Life Insurance for Employees in Africa
Protect your team with free life insurance
- No hidden/additional costs
- No medical questionnaires required
- Full coverage as of day one
- Premiums are covered by Africa HR Solutions
- Additional coverage is available
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FREE Life Insurance for Your Team – Protect What Matters Most
Introducing our exclusive FREE life insurance plan for your employees in Africa.
As your Employer of Record (EOR) partner, we are proud to offer FREE life insurance – underwritten by Unisure Insurance – to the employees we onboard on your behalf.
Because your team’s peace of mind is invaluable, we are committed to providing the protection they and their loved ones need when we onboard them in Africa.
How Does this Free Life Insurance Plan Work?
What is it?
A Free Life Insurance offering, Free of charge – so you your talents can focus on their work knowing their loved ones are protected at all costs.
How does it work?
Our exclusive Free Life Insurance benefit is underwritten by the Unisure Group. No extra cost, no medical questionnaires required.
When does it start?
With minimal input on your end, the moment we onboard your talents in Africa via our Employer of Record solution, they can be covered by the Free Life Insurance plan.
Until When?
What sets our offering apart is its longevity. As long as we remain your Employer of Record (EOR), your eligible employees maintain their coverage.
Learn More About Our Free Life Insurance Offering
Life insurance benefit
- All employees onboarded through Africa HR Solutions have guaranteed coverage.
- Guaranteed access with no medical questionnaires.
- No additional cost to you or your EOR staff—premiums are covered by Africa HR Solutions.
Additional coverage
- Additional coverage is available for your EOR staff member.
- Requires a voluntary health declaration satisfactory to Unisure Limited.
- Costs for additional coverage are the responsibility of the individual.
More Information about our Life Insurance Package
Our Group Life Policy automatically covers all active employees of Africa HR Solutions, including all active employees contractually engaged across Africa under Africa HR Solutions’ employer of record solution, between the ages of 18 – 64 (‘Eligible Employee/s’).
This means that employees will not be covered before their employment start date and after their effective date of termination of employment.
Africa HR Solutions is solely responsible for the premiums associated with the coverage of your employees.
In the event that an Eligible Employee wishes to apply for additional coverage, and this is accepted by Unisure Limited, Africa HR Solutions will not be responsible for the premiums associated with such additional coverage.
The AHR Group Life Policy covers death by any cause during active employment, subject to the following key limitations:
(i) Suicide is not covered during the first 24 months of employment.
(ii) The following industry-standard exclusions also apply and no benefits will be paid in the event of death by:
• War or warlike operations.
• Terrorist activity.
• Chemical agents, biological agents or nuclear reactions.
• Abuse or being under the influence of drugs and/or alcohol.
• Deliberate exposure to exceptional danger.
• Any loss caused directly or indirectly from kidnapping or wrongful detention.
• Travel to war zones.
• Where general medical advice has not been followed.
It is important that all Eligible Employees complete and sign the Expression of Wish Form to nominate the
beneficiaries who will be paid in the event of a valid claim.
This should be sent to the relevant Key Account Manager at Africa HR Solutions and we recommend that Eligible Employees also send this to
their nominated beneficiaries for record keeping purposes. Please note that, in the event that an Expression of Wish Form is not completed and signed, Unisure Limited will be solely responsible for identifying the applicable beneficiaries during the claims stage in accordance
with applicable local law and legal requirements.
In the event that an Eligible Employee wishes to apply for additional coverage under the AHR Group Life
Policy, they should contact the relevant Key Account Manager at Africa HR Solutions who will guide them
through the process.
In the event of the death of an Eligible Employee, the nominate beneficiaries should initially contact the relevant Key Account Manager at Africa HR Solutions, who will notify Unisure Limited of the claim.
We recommend that the nominated beneficiaries should also send an email to insurance@thenew.africa-hr.com and info@thenew.africa-hr.com notifying Africa HR Solutions of the claim and attaching the completed and signed Expression of Wish Form.
In addition, please note that Africa HR Solutions can be called on +230 465 3100.
As the administrators and underwriters of the AHR Group Life Policy, Unisure Limited is solely responsible for administering the claims in accordance with the terms and conditions of the AHR Group Life Policy.
Extended coverage is also available to active employees between the ages of 65 – 75, subject to satisfactory medical underwriting. Africa HR Solutions will not be responsible for the premiums associated with such extended coverage.
All claims will be subject to the full terms and conditions of the AHR Group Life Policy, which will be made available to all Eligible Employees upon written request to Africa HR Solutions.
The AHR Group Life Policy is being offered to all Eligible Employees at the sole discretion of Africa HR Solutions Limited and this benefit can be revoked by Africa HR Solutions at any stage. In the event that the AHR Group Life Policy is revoked by Africa HR Solutions for any reason, all Eligible Employees will be notified.
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