Group life and personal accident insurance là bảo hiểm gì
Group Personal Accident Insurance protects your workers from the financial impact of an accident or illness. Unlike Workers Compensation Insurance, the cover applies 24 hours a day, 7 days a week. If necessary, you can arrange for it to apply worldwide. Show Why does my business need Group Personal Accident Insurance?A Group Personal Accident policy can: Meet the requirements of an enterprise bargaining or collective bargaining agreementGroup Personal Accident Insurance is often required in Enterprise Bargaining Agreements including union-controlled workplaces like construction sites. Some examples being the CFMEU (WA) Union Collective Agreement and United Maritime Workers Union (AMWU). Provide volunteer workers with cover for injuriesVolunteers are ineligible for Workers Compensation Insurance. Group personal accident cover for voluntary workers is an excellent way to offer some protection. Attract and retain high-quality employeesPersonal Accident Insurance is a practical employment perk. It can be especially valuable for people in jobs where a minor injury can keep the worker off work for an extended period of time. Minimise productivity loss following an accidentPersonal Accident Policies usually offer Return to Work Assistance. This helps injured employees return to work quickly and safely. Protect your business from financial lossWhen you reduce the financial loss your employees face following a work accident, you reduce the likelihood of them suing your business for damages. If they do pursue legal action, the financial loss they can claim will be smaller. Who is Group Personal Accident Cover for?All businesses can benefit from Group Personal Accident Insurance. In particular: Businesses with union insurance requirements. Including:Site or project specific agreements Enterprise Bargaining Agreements Industry-specific agreements General agreements Union agreements, for example CFMEU (WA) Union Collective Agreement or AMWU Industries where workers are vulnerable to major injuries:Construction Mining Oil / Gas / Power Travel & Transport (especially for staff who need a licence) Professional Sports Not-for-profits and any organisation who uses volunteers.Employers wanting to offer additional protection and benefits to their workforce.What coverage is available?➤ Weekly BenefitThis is a fixed amount paid to the insured person on a per-week basis following an accident or illness. Your insurance policy will set out the weekly benefit amount and the maximum duration it is payable. ➤ Death and Disablement BenefitsThis is a lump sum payable to the insured person (or their estate) following their accidental death or disablement. The payment is compensatory. Your employee receives the full amount, regardless of the financial-losses they incurred. ➤ Return to Work AssistanceYour policy can cover costs associated with helping an injured employee to return to work. ➤ Workers Compensation Top-UpClaims ExamplesWhy Work with KBI?1. Full needs assessmentWe will work with you to gain a full understanding of your business, and its risks. This can include research into your insurance obligations under a collective bargaining agreement. 2. Multiple quotesWe organise quotes from multiple sources and help you find the option that best suits your needs and budget. 3. Help to submit your applicationWe will make sure your insurer has the information they need to underwrite your policy. 4. Compliance assistanceOur team will explain your policy obligations to you in plain English so that when a claim occurs, the insurance responds as expected. 5. Claims managementKBI has assisted hundreds of clients with insurance claims. If a claim occurs, we will liaise with you and the insurer to ensure a fair claim outcome for your employee. Group Personal Accident TeamDirector Account Executive Contact InfoStreet Address: Level 18, 140 St. Georges Terrace, Perth, WA, 6000 Postal Address: PO Box Z5102, St. Georges Terrace, Perth WA 6831 Phone Numbers:Get in Touch with our Brokers: Click the button below to find out more about our people, their experience and their accomplishments. |