Employee Protect Premier

Employee Protect Premier offers a comprehensive coverage for your staff, including life, accident, disability, critical illness, funeral expense and hospital cash benefits.

Number of employees

Minimum 20 

Employee Age limit 

19-65 years  

What is Employee protect Premier

Employee Protect Premier provides comprehensive protection for your employees , offering peace of mind and financial security. This plan includes a life cover, accident death benefits, permanent disability benefits (total and partial), and critical illness coverage for  39 specified illnesses, depending on the package. It also offers funeral expense benefits and hospital cash benefits for both non-ICU and ICU stays, providing support during challenging times.

Featured benefits

Life cover

The Life Cover payable in the event of death due to any cause offers a benefit starting from LKR 50,000 up to an unlimited amount for the employee. Spouse and parents are eligible for 50% of the employee's Life Cover benefit.

Accident death benefit (an optional cover)

In the event of a passing away due to an accident, an Accident Death Benefit is payable. The benefit amount ranges from LKR 50,000 to LKR 30,000,000 for the employee, with the spouse eligible for 50% of the employee's Accident Death Benefit.

Permanent total disability (an optional cover)

In case of permanent total disability resulting from an accident, a benefit amount ranging from LKR 50,000 to LKR 30,000,000 is payable to the employee. The spouse is eligible for 50% of the employee's permanent total disability benefit.

Permanent partial disability (An optional cover)

In the event of a permanent partial disability resulting from an accident, a benefit amount ranging from LKR 50,000 to LKR 30,000,000 is payable to the employee. The spouse is eligible for 50% of the employee's permanent partial disability benefit

Critical illnesses – 39 illnesses (An optional cover)

For diagnosis of one of the 39 specified critical illnesses, a benefit amount ranging from LKR 25,000 to LKR 3,000,000 is payable to the employee. The spouse and parents are each eligible for 50% of the employee's critical illness Benefit.

Funeral expenses benefit (an optional cover)

In the event of death due to any cause, a funeral expenses benefit of up to a maximum of LKR 500,000 is payable, calculated as 10% of the life cover.

Hospital cash benefit – non- ICU (an optional cover)

For hospitalisation outside of an ICU, a hospital cash benefit is payable. This benefit is calculated as 1% of the life cover, with a maximum payout of LKR 5,000 per day.

Hospital Cash Benefit – ICU (An optional cover)

For hospitalisation in an ICU, a hospital cash benefit is payable. This benefit is calculated as 1% of the life cover, with a maximum payout of LKR 10,000 per day.

Wellness benefits

Doc990

Free unlimited online doctor consultations with general physicians and specialists.

Flash Health

Free unlimited online doctor consultations, medicine delivery and 10% discount on mobile lab services.

High Octane

Enjoy up to 40% discounts at High Octane Fitness, Colombo's leading gym chain.

My Dentist

Enjoy an exclusive 15% discount on treatments and surgeries at My Dentist Clinic.

Unilever Pureit

AIA customers enjoy up to 25% discounts on Unilever Pureit water purifiers.

Vida

AIA First Class customers enjoy preferential care at Vida Medical with up to 15% discounts.

Vision Care

AIA customers get 12% discount on spectacles & sunglasses and 15% discount on Visual Fitness Assessment Tests.

Aayu by Nawaloka Care Premier

AIA customers can now enjoy exclusive discounts at Nawaloka Care Aayu Premier. 

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Terms and conditions

Please note that these terms and conditions may vary depending on the product. For detailed information specific to your policy, please refer to the policy document.

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  • Businesses with 5 to 250 employees aged 19 to 60. Secure the wellbeing of your workforce with comprehensive life and hospital coverage.