Risk insurance ensures for your employees around the clock and almost worldwide life insurance cover, which will be valid in the extent of the selected sum insured as of the moment of making the first insurance payment. In the event of an employee's death, the insured sum will be paid to the beneficiary, which may be the company or the employee's loved one.
The unexpected may happen to any one of us; accordingly, we at TNT provide insurance for all our employees. – TNT, courier delivery services company
We consider our employees the key asset of our company and have endeavoured to create, in addition to salaries, an extensive incentive package to promote their development during both work and leisure. – AGA, industrial gas producer
You can insure individual employees as well as the entire personnel. The price of the insurance agreement is calculated individually for each employee and depends on the age, health status, hobbies, and occupation of the employee. Different insured sums may be applicable to different employees.
The price of the life insurance cover agreed upon entry into the agreement will not be subject to recalculation. The expected duration of an agreement is 3–5 years.
Example of price formation:
Insurance cover | Sum insured | Total monthly premium |
---|---|---|
Risk insurance | EUR 25,000 per person | EUR 68 |
Extra accident cover for disability* | EUR 25,000 per person | EUR 18 |
If the beneficiary is a company, the fringe benefit tax is not charged. In case of a loss event, the indemnity shall be paid to the company.
If the beneficiary is a person close to the employee, the company shall pay the fringe benefit tax in addition to monthly insurance premium. In case of a loss event, the indemnity shall be paid to the person close to the employee.
Please read the terms and conditions of risk insurance before you sign the insurance contract.
General Terms and Conditions of AS SEB Elu- ja Pensionikindlustus
Risk Insurance
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