Group protection does not come off a shelf: it is built from cover blocks, tailored to your company's headcount, job types and budget. Here are the blocks and three proven tier samples – without prices, because the real premium emerges from competing offers from several insurers.
Each block is a fixed-sum benefit. The Insights cluster Covers in depth presents how each one works, block by block.
In the event of death – regardless of cause, subject to the exclusions and grounds for exemption set out in the policy terms (e.g. suicide within two years of the start of risk cover, acts of war, a deliberate serious criminal offence) – a fixed sum for the beneficiary.
Details →For death due to an accident, typically an extra payout on top of the death benefit sum.
Details →For permanent impairment, a benefit proportional to the degree of the damage.
Details →A smaller, frequent payout – the cover the team meets most often.
Details →A fixed sum by category when an operation happens – to spend freely.
Details →A fixed daily sum for days of inpatient hospital care – typically above a minimum number of days, with an annual day-limit and the exclusions set out in the policy terms (e.g. rehabilitation, convalescent spa care). For permanent impairment from an accident, a sum from the policy's compensation table – linear or progressive – typically above a defined degree of impairment.
Details →A larger lump sum for defined serious diagnoses – when everything changes.
Details →A daily benefit that tops up statutory sick pay during longer absence – protecting the family budget.
Details →Typically an option to include a spouse or adult family member – under separate rules.
Details →These are not products but proven design patterns: the real package is shaped by headcount, age profile, job types and budget. The details of executive–staff tiering: executive extra tiers.
The essentials from a small premium: a fixed-sum net against the big troubles, for the whole team.
The most common choice: with covers that can be felt in everyday life too.
For key people and the executive tier – higher sums, a wider range.
The samples are illustrations; the available covers and conditions differ by insurer. We deliberately publish no specific premiums – they emerge after a quote request, from competing offers from several insurers.
| Cover block | Core protection | Extended cover | Premium cover |
|---|---|---|---|
| Death benefit | ✓ | ✓ | ✓ higher sum |
| Accidental death | ✓ | ✓ | ✓ higher sum |
| Accidental disability | ✓ | ✓ | ✓ higher sum |
| Bone fracture | ✓ | ✓ | ✓ |
| Surgery benefit | – | ✓ | ✓ |
| Hospital daily benefit | – | ✓ | ✓ |
| Sick-pay supplement | – | ✓ | ✓ |
| Critical illness | – | option | ✓ |
| Family member extension | – | option | option |
An illustrative sample map, not an offer: the actual content depends on the chosen insurer's conditions and your company's decisions. The comparison method: comparing offers.
Planning rests on three questions: who the budget should protect (everyone uniformly, or in tiers), what it should be sensitive to (physical risk, lost income, the big troubles), and from what budget. That produces the block list, for which I collect competing offers from several insurers – and you decide from a single table. The process steps are on the How it works page, and the budget planning details in the Insights article.
Free of charge, no obligation – by the end you will see your options and the next step clearly.