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A good Employee Benefits Programme can strengthen the bonds with your employees and make your company more attractive by securing top-quality human resources.

AVIVA NDB Select Employee Benefit Plan, your three pronged choice - for your own tailor-made Employee Benefit Programme

We offer a customised solution to suit the needs of your organisation and provide financial protection for you and your employees.

If you have a minimum of twenty employees who are between the ages of 18 and 60, you are eligible to join this scheme, under the 3 sub plans given below, which offer you the flexibility to ensure a unique plan to suit your needs.

Essential	:	offering Basic Life Cover for Death due to any event
Preferred	:	offering Accidental Death Cover and Disability Cover in addition to Basic Life Cover
Premier	:	is the enhanced version of the Preferred Package, with the added option of the Hospital Cash Benefit, which offers financial assistance in the event of an employee being hospitalised. This benefit could be extended to the employee's spouse and/or children too.

•	The Critical Illness Benefit is available separately as an additional benefit, to be included to any package.

Benefits	Essential	Preferred	Premier
Basic Life Cover
Accidental Death Cover
Permanent Total Disability Cover
Permanent Partial Disability Cover
Hospital Income Benefit
Critical Illness Benefit

You can invest in one sub-plan to cover all your employees or a segment of your employees. For example, you can invest in the PREMIER plan to cover your senior management and the PREFERRED plan for junior management or the PREMIER plan for the entire staff with different benefit amounts for each category of employees.

•	Premiums are charged on an annual basis
•	Simple application procedures
•	No medical examination required (in most cases)
•	Option to enroll dependents for Hospital Cash
•	Speedy claims settlement

AVIVA NDB Select Benefits explained in detail - What your employees will be entitled to.

Basic Life Cover:

•	Covers death due to any event
•	Select the level of life cover

Accidental Death Cover:

•	Provides enhanced protection to your employee’s loved ones in the event of an employee’s unexpected accidental death.
•	An additional amount equal to the Basic Life Cover benefit will be paid in the event of an accidental death.

Disability Cover:
Permanent Total Disability Cover (due to Accident or Sickness)

•	If an employee becomes totally and permanently disabled due to an accident or a sickness (which could prevent him/her from following any occupation) an amount equal to Accidental Death Cover will be offered.

Permanent Partial Disability Cover (due to Accident only)

•	An amount as a percentage of the Accidental Death Cover benefit will be paid if an employee becomes permanently and partially disabled.
•	The percentage benefit amount varies from 3% to 100% depending on the nature and severity of the disability

Hospital Cash Benefit:

•	A fixed amount of up to Rs. 5,000 per day will be paid starting from the third day in the event of the employee being hospitalised.
•	The daily payment will be doubled if he/she is admitted to the Intensive Care Unit.
•	This benefit can be extended to your employee’s spouse and children too.

Critical Illness Benefit:

•	A lump sum on diagnosis of a critical illness (subject to a 30 day survival period)
•	Provides an option of choosing either cover for 7 illnesses or a full range of 22 illnesses.
•	The benefit amount of the Critical Illness Cover can be taken as a percentage of the Basic Life Cover and it can vary from 25% to 100% up to a maximum of Rs 3 million.

*Terms and conditions apply

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+94 11 2310310

info@avivandb.com

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