Group Accident Insurance for Companies
24-hour protection for your entire team, at work and in leisure time
Group accident insurance provides your employees with worldwide, round-the-clock accident protection — far beyond the statutory benefit. As an attractive employee benefit, it strengthens employee loyalty and secures your workforce's financial future.
Benefits of this insurance
Protects your team from accidents both at work and during leisure time, anywhere in the world.
The policy can be taken out without naming each insured person individually, for up to 250 people.
You can choose between different progression scales that increase the benefit disproportionately based on the degree of disability.
Premiums can be structured tax-efficiently for the company, depending on the chosen direct-claim model.
What is covered
Work and leisure accidents
Covers accidents that occur both during work activity and during the employee's leisure time.
Lump-sum benefit for permanent disability
Offers a lump-sum benefit in the event of permanent disability resulting from an accident.
Death benefit
Offers a financial benefit to beneficiaries in the event of accidental death.
Accident pension and hospital daily allowance
Can be extended with an accident pension, hospital daily allowance, or other supplementary benefits.
What is not covered
Business owners without voluntary coverage
Business owners themselves are not automatically included in statutory accident insurance and must insure themselves voluntarily and separately.
More than 250 people without naming
The no-naming option is limited to a maximum of 250 insured persons.
Real claim examples
Permanent disability after a workplace accident
An employee suffers permanent partial disability after a workplace accident; the insurance covers the corresponding lump sum according to the chosen progression scale.
Accident during leisure time
An employee has an accident during vacation resulting in disability; the insurance covers the benefit, since coverage applies around the clock.
Frequently asked questions
Who does this insurance protect?
All company employees for whom the group accident insurance has been taken out, either by name or as an insured group (e.g., all administrative staff).
Does it cover accidents outside of work?
Yes, coverage applies around the clock, both in the professional and private spheres.
Must each insured person be named individually?
No, the policy can be taken out without naming individuals for groups of 2 to 250 people.
What is the difference with statutory accident insurance?
Statutory accident insurance only covers workplace accidents with limited benefits; group accident insurance supplements this protection with additional 24-hour coverage and higher benefits.
Want to protect your team against accidents?
Tell us the size of your workforce, and we will help you design the right coverage.
Request free advice