Information about Allianz

Employee Health insurance

A. Standard Package Plans

1. Group Core Plans: The AWC Group Core plans is designed to cover your employees for the more expensive medical costs associated with in-patient treatment, along with cover for:

• rehabilitation treatment
• out-patient surgery
• nursing at home
• routine maternity
• medical evacuation

2.  Out-patient Plans (Optional)

Additional cover for ‘day to day’ or routine treatments such as visits to a doctor, vaccinations, prescription drugs or physiotherapy.

3. Dental Plans

To help reduce your employees' dental healthcare bills.

4 Repatriation Plan

This plan offers medical repatriation. This means that if the necessary treatment for which a member is covered is not available locally, they can opt to return to their home country for treatment, rather than to the nearest appropriate medical centre.

Group Life cover provides financial protection and security for your employee’s dependants, in the unfortunate event of an employee’s death. The benefit amount can be based on a percentage of your employee’s gross annual salary, or it can be a fixed amount.Cover for accidental death and dismemberment (AD&D) and terminal illness is also available with life cover.AD&D provides a lump sum to the dependants in the event of your employee’s death due to an accident, or to your employee in the event of the loss of a limb/limb function as a result of an accident.The benefit payment is calculated as a factor of your employee’s gross annual salary.

Group Disability provides greater financial security for an employee who is unable to perform their occupation following an accident or illness.
Companies can choose from either Short and Long Term, or Temporary and Permanent disability:

Short Term Disability cover provides employees with financial security if they are unable to perform their own occupation as a result of an accident or illness for a period of up to two years.

Short Term Disability cover provides employees with financial security if they are unable to perform their own occupation as a result of an accident or illness for a period of up to two years.

Long Term Disability cover provides an income to employees, unable to perform any gainful occupation relevant to their education, skills and experience, as a result of an accident or illness, up to 65 years of age.

Temporary Disability cover is similar to Short Term Disability, however the cover period is limited to one year, with shorter waiting periods.

Permanent Disability cover provides a lump sum payment to the employee in the event of an irreversible medical condition due to an accident or illness.