Insure your employees against all accidents
The Securex Private Life Insurance extends the normal cover of the Occupational Accidents insurance plan with a cover for accidents that do not occur on the work floor.
This prevents endless discussions about accidents en route and means you can send your employees home every day with your mind at ease.
How does the Securex private life insurance work?
You can make your choice from two calculation formulas:
- The equivalent calculation method is based on the legal intervention, and raises it with an additional benefit.
- The annual wages calculation method takes into account the employee’s actual wages and does not take legal stipulations into account.
Below is an example in figures of the equivalent calculation method. Did you opt in favour of the annual wages calculation method? Then let’s look at the calculations together.
Example: Your employee falls down the stairs at home and is thus unfit for work. He earns 50,000 euros on an annual basis.
Is he temporarily unfit for work?
Then the Securex benefit from day 31, and after intervention of the health insurance fund, will amount to:
(€ 50,000.00 x 90%)/365 = € 123.29 a day.
Is he permanently unfit for work or did the employee die?
Then we will pay an annuity.
What about the medical costs?
We will reimburse the difference between the effective costs and the intervention of the health insurance fund to your employees. And we will do this up to three years after the date of the accident.
