Embrace - International life and disability insurance for employees

We understand the importance of preparing for the unexpected without fear or uncertainty. Our diverse range of life and disability products offers comprehensive financial protection, providing the assurance that your employees' families will be well-supported in the face of adversity. You can select the benefit value, paid as a fixed sum or salary percentage; it’s your choice. Since Embrace Life and Disability insurance can vary based on location, industry, company, and individual employees, we've developed a range of options to ensure you can choose the best benefits for your team while staying within your budget. You have the flexibility to integrate this with your Allianz International Health insurance, Global Healthcare Services, or opt for it as a standalone benefit.

We know how essential it is to protect staff. We offer comprehensive solutions to help your company attract, maintain and protect your employees. No matter how complex or diverse your team is, we have a solution.

It is important for both employers and employees to have a plan for the unexpected. Our Embrace group life insurance plans offer financial protection and security for dependents, in the unfortunate event of the death of one of your staff. You can choose the benefit amount, basing it on a fixed sum or a percentage of your employee’s salary. 

This benefit provides a lump sum to the insured employee in the event of a loss of limb or limb function as a result of an accident, when the dismemberment has taken place within 365 days of the accident.
In the unfortunate event of the insured employee’s death due to an accident, this benefit provides an additional lump sum to beneficiaries, when the death has taken place within 365 days of the accident.
This cover provides financial security for up to two years to an insured employee who is unable to perform the material and substantial duties of their role as a result of an accident or illness.
Long-term Disability cover provides financial security for insured employees who, as a reult of an accident or illness, are unable to carry out:
1. The material and substantial duties of their own occupation, and 
2. Any suitable occupation (based on education, skills and experience) 
Permanent and Total Disability cover provides a lump sum to insured employees who become permanently and totally disabled as a result of an accident or illness.
Our Embrace Life and disability plans offer comprehensive cover with optional enhancements, so you can build the right plan for your needs and budget. Read our Brochure or Company Benefit Guide for more information about our international life insurance for employees.

Check our Embrace Life and Disability plans for the UAE 

During the challenging time when a team member or their loved one is facing the reality of a life or disability claim, we understand the importance of providing compassionate support. Our paperless Life and Disability claims experience is simple and convenient, allowing you to focus on providing the necessary support.

Before you start a claim, make sure you have these documents for the insured employee readily available here:

  1. Pay slip
  2. ID, passport, or driver’s license
  3. Death certificate (for life claims)
  4. Policy or accident report (if it's an accident)
  5. Employer Disability Statement (for disability claims)
  6. Physician Disability Statement (for disability claims)
  7. Short description of occupation (for disability claims)
  8. Data Consent form signed by the insured employee (if HR or brokers is submitting the claim on behalf of the insured employee)
  9. Any additional medical information

Please ensure that certified copies of the documents are provided.

Best in class experiences
Financially strong company with A+ Superior, A.M. Best rating. Number 1 insurance brand by Interbrand for the fifth year running
Digital for convenience
Convenient paperless Life and Disability claims experience with our Life and Disability claim portal.
Always on: 24/7 multilingual Helpline.
Build the right plan for you and your team.

Find the answers to our most commonly asked questions about the nature of our cover and how we protect members globally. 
In the unfortunate event that an insured employee dies, life insurance will cover a benefit amount as a lump sum. It can either be a fixed amount or calculated as a factor of the insured employee’s gross annual salary, subject to an agreed maximum sum. Life insurance can be offered up to 10 times the gross annual salary or up to €2,000,000, whichever is the lower amount. Find out more here
Yes, cover for Life normally ends when the insured person reaches the age of 70.

For Accidental death, Accidental dismemberment  Permanent, Short-term and Long-term disability, cover ends when the insured employee reaches the age of 65.  If cover ends at a lower age, this will be specified in the Company Agreement.

If an insured employee receives a diagnosis of a terminal illness after the start date of cover, we will make an advance payment of the life sum insured (up to €100,000 or 50% of the life sum insured whichever is lower), as stated in the Table of Benefits. Find out more here 
Terminal illness means an advanced or rapidly progressing incurable illness where the insured employee’s life expectancy is no greater than 12 months, in the opinion of the person’s doctor and our medical director.
The total Accidental Death, Accidental Dismemberment and Permanent Disability benefit is 100% of the life sum insured (as stated in the Table of Benefits) or €2,000,000 (whichever is lower). Find out more here
In the event that and insured employee is unable to work because of a disability, he/she will receive a percentage of the their gross annual salary at the start date of the accident or illness that led to the disability, up to a maximum monthly benefit payment of €20,000. Find out more here
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Best International Group Health Insurance Provider 2023.