Most international employers whether by Expat HR corporate policy, local laws or voluntary protection of their expatriate families will protect life, accidental death for TPD Total Permanent Disability.

When selecting an international group health insurance plan, the main consideration are HR policy and legal compliance, employee benefits and the flexibility as expatriate come and go.

Most financiers of a company have a vested interest in purchasing insurance for the key person running the company; to protect their loan, investor capital or executive partners. Unfortunately only professional bankers and fund managers, think about protecting their capital from an early death of the founder CEO.

Office and business insurance are compulsory by law for public places. The PCCC fire department is checking your public liability insurance.

Product liability is personal protection similar to Professional Indemnity insurance for production factory owners. Western countries consumers engage in legal action against the productor of the goods.

Company Fleet of vehicle insurance best coverage needs professional advice as various aspects of personal or company liabilities are involved depending on the usage of the vehicle by whom.

Tax-free employee benefit: employers purchase private health insurance as a means to attract, reward and retain the best employees, by giving them access to the best hospitals.

Professional Liability and Director indemnity are mostly requested for compliance reasons when dealing with Multinational companies MNE. Seek protection and indemnity.