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Benefit Guides


Employee Benefit Guide

The Employee Benefit Guide is a detailed document which we send to your group member clients in their Welcome Pack. It contains extensive information on:
  • Member Services
  • Explanation of Benefits and Cover
  • Policy Exclusions and Limits
  • Paying Premium and General Information
  • How to Claim
  • Policy Definitions
Employee Benefit Guide (EBG)

This information must be read carefully and in conjunction with the Table of Benefits. Full Policy Terms and Conditions are issued to you with the Group Contract. This should be made available to your employees on request. For further information, please contact Individual and Corporate Sales Support.




Individual Benefit Guide

The Individual Benefit Guide is a detailed document which we send to your individual clients in their Welcome Pack. It contains extensive information on:
  • Member Services
  • Explanation of Benefits and Cover
  • Policy Exclusions and Limits
  • Paying Premium and General Information
  • How to Claim
  • Policy Definitions
Individual Benefit Guide (IBG)

This information must be read carefully and in conjunction with the Table of Benifits. If you have any questions please contact Individual and Corporate Sales Support.