Accident and Health Insurance

• Travel
• Group Personal Accident
• Voluntary Employee Benefits

Sapphire Personal
Helps provide financial security to loved ones in the event of an accidental death or disability. This insurance provides comprehensive 24-hour annual coverage for losses due to death or disability resulting from an accident. Coverage is available on an individual basis.

Travel Guard
Is geared for international travelers traveling for pleasure or business outside their country of residence. Coverage available to the traveler taking a short-term trip may include Accident & Sickness, Medical, Emergency Medical Evacuation, various inconvenience covers and the accidental death or dismemberment of the traveler.

Business Travel Accident
Provides 24-hour basic or supplemental accident protection for employees worldwide while traveling on business or year round. May be offered on a per trip basis. Dependents of insured employees, board members and corporate guests can all be covered.

Group Personal Accident
Enables employers/associations to provide its employees/members insurance protection against the expenses associated with an accidental death or injury. The policy typically covers the insured and their families annually 24 hours a day, 365 days per year worldwide. It can also be limited to on the job coverage.

Voluntary Group Accident
Voluntary Group Accident Insurance is an excellent way for expense-conscious companies to make benefits available to their employees at no additional cost to the company. Employees pay 100% of the premium with the employer endorsing the plan and providing payroll deduction administration. The policy covers employees and their families annually 24 hours a day, 365 days per year worldwide.