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Accident and Health Insurance
Are you working in hostile environments such as Syria, Iraq, Yemen or Afghanistan?

Get LIFE, ACCIDENT AND HEALTH INSURANCE for your small business

People are businesses most important asset - and therefore it is vital that they are protected. Life, accident and health insurance products not only optimise business growth but they also provide protection and ensure employees' peace of mind.

Aspire Insurance & Reinsurance provides a wide range of Accident and Health products including and not limited to:

    1. Personal Accident Insurance
    2. Evacuation and
    3. Political
    4. Medical Insurance – Local and
    5. Life Insurance – Death from Natural
    6. Kidnap and
    7. Defense Base

Insurance cover is:

      • Underwritten by Lloyd’s Underwriters or ‘A’ rated Security.
      • Cover up to 5 times Annual Income.
      • Hostile Territories including Iraq, Syria and Afghanistan are covered t highly competitive pricing.
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    *All Our Products include the War and Terrorism Extension cover as a Standard.

    Aspire can offer assistance on a range of programmes including:

    Our industry sectors include, but are not limited to:

    Personal Accident Insurance:

    Provides protection to your employees and their families in the event of death or disability due to an accident. Personal Accident includes the War and Terrorism Extension as a standard and falls into three parts:

    • Accidental Death and
    • Temporary Total Disablement – Income
    • Emergency Medical, Evacuation and Repatriation

    Life Insurance (Death from Natural Causes):

    Life Insurance is designed to protect the family’s financial security after the Insured passed away. The Insurance Company will provide a lump sum payment to the beneficiary named on the policy.

    Kidnap and Ransom Insurance:

    The Package for kidnap and Ransom provides for the payment of ransom demanded for the release of a detained person. It also provides for the cost of specialist response consultants named on the policy. This is a reimbursement policy for the amount of ransom and a person may therefore insure up to the limit of capital they could lay their hands on in the event of a claim.

    Medical Insurance:

    This provides cover for in patient/out-patient medical and surgical expenses that are incurred by the insured. Health insurance can either reimburse the insured for expenses incurred from illness or injury or pay the care provider directly.

    Defense Base Act:

    The Defense Base Act is a federal workers’ compensation system. It provides protection to contractors and subcontractors working overseas on a United States military base or working under a United States government contract. If a contractor is injured or killed, then the contractor or the beneficiaries may be entitled to benefits.

    Political Evacuation:

    In the event of a Political or Natural Disaster, our Third Party Administrator will evacuate Insured Persons to the nearest safest location, and return them home safely.

    Evacuation and Repatriation:

    This can be purchased as a standalone cover for Groups, or in combination with the Personal Accident Insurance. Should the Insured requires treatment outside the country he operates at, a qualified Third Party Administrator (TPA) will evacuate the Insured to the nearest Medical facility, and if required to his home country.

    What do you need?

    Group Personal Accident insurance (GPA) provides protection to your employees and their families in the event of death or disability due to an accident. Coverage can be limited to accidents related to your occupation only, or allow for any accident 24 hours a day. Covered events include: • Accidental Death • Dismemberment • Permanent Total Disablement • Permanent Disability Continental Scale Benefits Benefit levels are based on a schedule that you define.

    Designed to protect individuals from the risk of kidnapping, often covering other events related to kidnapping, including extortion. In the case of a kidnapping, the policy holder is compensated for money paid as ransom, medical expenses, counselling or for accidental death of the kidnap victim. The cost of an experienced crisis management team, who will be handling negotiations and ransom drop offs, is built into the premium.

    Should the treatment of an insured suffering a serious illness or accident not be available locally, a highly qualified and experienced Third Party Administrator will evacuate the insured to the nearest centre of medical excellence. Cover also includes repatriation, so that the insured can continue to get treated and recuperate in their home country. We can also arrange for political and natural disaster evacuation.

    Pays for in patient/out patient medical and surgical expenses that are incurred by the insured. Health insurance can either reimburse the insured for expenses incurred from illness or injury or pay the care provider directly.

    Providing wage replacement and medical benefits to employees injured in the course of employment in accordance with local laws and regulations.

    A protection against the loss of income that would result if the insured passed away. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured.

    A policy that pays out if you’re unable to work due to injury or illness. IP usually pays out until retirement, death or your return to work, although short-term IP policies are available at a lower cost. IP doesn’t usually pay out if you’re made redundant, but will often provide ‘back to work’ help if you’re off sick.