SME and Corporate Insurance Financing

SME AND CORPORATE INSURANCE

Corporate Medical Insurance

Medical insurance for employees of Corporate and SMEs. By taking medical insurance as a group, the insured enjoy discounted rates. This insurance can be offered to the employee (the primary insured), one legal spouse and children under the age of 18 years or 23 years if they are in full time education. This insurance offers one mandatory benefit, the InPatient Benefit that covers costs and charges when the insured is admitted by a medical provider. The limit for this benefit can either be per entire family or per individual family member, dependant on application.

Other additional benefits can be added to the policy, these include OutPatient Cover, Dental, Optical, Maternity, Last expense/Funeral cover among others.

Group Life Insurance

Group Life is an optional benefit offered by an employer to employees as part of the employment benefit package. Where the employer is offering this, employees do not have to pay from their salaries although they may have to pay the full premiums if the employer is only acting as the facilatator Some of the key benefits of this are death benefit(lumpsum of money is paid to the nomindated beneficiary of the deceased), last expense (payment for the disposal of the mortal remains of the deceased).

Additional benefits can be included at a typically much lower cost, to cater for life's other unfortunate events, these include temporary total disability, critical, total and permanent disability and more.

Motor Insurance

Corporate and SME insurance for comprehensive, third party & fire and also third party only (TPO) for commercial vehicles. Discounted rates for vehicle fleets from as small as 3 vehicles. Note : Discounted rates subject to size and value of vehicle fleet, and loss ratio.

Assets All Risks Insurance

This insurance policy combined many different singular covers into one insurance. It can be taken as a combined policy or each component insurance can be taken separately and still subject to its own terms, conditions, limits and warranties.

This insurance may contain these different covers, Fire, Burglary, Consequential Loss, Machinery breakdown, Public Liability, Fidelity Guarantee, and any more subject to the applicant's request.

Marine Insurance

Insurance is available for two categories, cargo and hull. Marine Cargo insurance protects the insured against losses incurred as a result of loss and / or damage to the goods while in transit on water and land subject to request. This insurance usually covers all risks subject to exclusions depending on nation of goods in transit and type of transit

Other Insurance

Get competitive quotes for other classes of corporate and SME insurance like : Work Injury Benefits Act (WIBA) Insurance, Group Personal Accident Insurance, Directors and Officers Liability, Employers Liability, Contractors All Risks, Erection All Risks Insurance, Public Liability, Goods in Transit, Machinery breakdown, Terrorism and Sabotage, Burglary.

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