PRODUCT OVERVIEW

FOR EMPLOYERS

GROUP PERSONAL ACCIDENT

Group Personal Accident Cover (GPA) provides employees with comprehensive personal accident insurance that goes beyond the basic obligations of Worker’s Compensation and General Liability. This, in turn, helps employers to meet the demands of the highly competitive employee market.

Benefits typically include:
Accidental Medical Expenses, Accidental Death, Permanent Total Disability and Temporary Total Disability

Note: This cover requires a minimum annual premium of R7475 (VAT incl.) and a Short-Term Commercial licence.

XPECT GROUP RISK EMPLOYEE BENEFITS

Death, critical illness, or disability can be financially crippling for any family. With Xpect’s Group Risk EB Solutions, employers can protect the financial health of their employees in the regrettable event that they should be affected by one of them.

Note: This product requires a Life licence.

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EMERGENCY RESPONSE COVER

H&A’s Emergency Response Cover is for students at learning institutions and is designed to assist parents and learning staff in cases of emergencies. 

Note: This cover requires a Short-Term Commercial licence.

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GROUND BREAKER

Our Ground Breaker Cover provides Personal Accident insurance for life on the farm.

Note: This cover requires a Short-Term Commercial licence.

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FOR INDIVIDUALS

As a professional, self-employed or employed individual, this insurance product safeguards one of your most important assets: income. 

Note: This cover requires a Short-Term Personal Lines licence.

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GAP Combination Cover is designed to bridge the gap between what’s covered by an individual’s medical scheme and what’s charged by medical specialists in hospital. This option is the more comprehensive option including cover for co-payments.

Note: This cover requires a Short-Term Personal Lines licence.

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H&A’s GAP Plus / Premier product bridges the gap between what’s covered by an individual’s medical scheme and what’s charged by medical specialists in hospital. Note: This offering excludes co-payment cover.

Note: This cover requires a Short-Term Personal Lines licence.

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