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Insurance Solutions for Employers

Trusted for over 110 years to provide insurance solutions for your business

Let us take care of a competitive benefits package that fits your business needs.

Employer Plans

Retain and motivate your top talent and increase their wellbeing and protection with access to the best care with group life, medical and personal accident insurance for your company’s employees. With more than 85 years in the market, and as the fifth-ranked company in group life insurance* in Colombia, we offer plans and coverage that meet your employees’ needs and your budget.
*Information from Fasecolda December 2022
Explore our Solutions
Employer Plans
Multinationals

Employer Plans

Multinationals

Personal Accident Insurance Policy—Basic Coverage

This is an immediate, low-cost protection solution for companies or service providers. When protecting your employees is the most important thing, you have the peace of mind that comes from being prepared for unexpected events with the best plan and financial support.
Most of the benefits and coverage under our products are designed to be enjoyed during the insureds’ lifetime.
Personal accident products can be standardized and/or customized to cover employees in the following arenas:
  • Corporate: at work, at home, personal activities, and private and public transport
  • Conferences
  • Educational trips
  • Tourism
  • Associations, corporate events and fundraisers
  • Concerts
  • Sporting events (non-professional participants)
Coverages
Additional Benefits
Accidental death
International travel assistance
Dismemberment
Telemedicine and online Doctor visits
Daily hospital benefit
Funeral assistance
Ambulatory surgery support
Telenutrition
Travel insurance
Home assistance and health care
Repatriation
Emotional wellness
Disability due to an accident
Pet assistance
Public transport accidents
Dental coverage
Emergency transfers
School orientation
Funeral expenses
Physical therapy assistance
Medical expenses (network—reimbursement)

Cosmetic Surgery

Belleza Protegida is offered to clinics, hospitals, and doctors to protect both parties opting for elective cosmetic surgeries.
This product gives clients and the hospital or clinic peace of mind in case of a possible complication caused by a covered surgery or surgical procedure, where the causal relationship between the surgery or surgical procedure and the complication has been demonstrated.
This plan provides a guaranteed face value that is sufficient to cover any medical, surgical, and hospital fees that may be incurred in the covered surgery, which are normally excluded under all kinds of health plans.

Life Insurance Policy—Basic Plan

We are committed to caring for your company’s most valuable resources your people - by providing coverage under a single contract to the employees who work with you or share a common interest, such as family members, same interest in activities and hobbies and much more.
We offer your insured employee a policy ensuring that in the event of death, the stipulated amount is paid to the employee’s family or to those individuals who have been financially impacted by his or her absence. Homicide, suicide, and terrorist acts are covered at the start of coverage.
Some of the additional coverage we offer your employees are:
  • Surgical complications: Covers medical expenses for treatment of a complication resulting from a surgical procedure covered by the policy, up to the limit established in the declarations page of the policy (as the maximum liability).
  • Involuntary unemployment and temporary disability: Covers payment of a certain number of installments of the financial obligation, in the event of unemployment of the person liable to the financial institution. In the case of independent contractors, this would operate as coverage for a temporary disability.
  • Critical illness: Non-restrictive financial support that is provided to your employee(s) if, under this coverage, she or he is diagnosed (based on clinical, radiological, histological, or laboratory exams) for the first time with one of the following critical illnesses, for which the Insured requires special treatment:
    • Cancer (advanced, stages III or IV)
    • Stroke
    • Acute myocardial infarction
    • Chronic kidney failure
    • Multiple sclerosis
    • Coronary artery bypass
    • Transplant of vital organs, others
Your company may include up to 16 diseases (depending on company size)
  • Total and permanent disability: Economic benefit granted to the insured employee if, as a result of physical injuries or incurable functional alterations, they are permanently prevented from performing gainful activities and receiving salaries, fees, or any kind of remuneration for which they have been trained through their education, training, and experience, as a direct result of a non-preexisting illness or accident.
  • Accidental death and dismemberment benefits: Additional coverage, above the basic protection provided to the company’s employees, if as the sole, direct result of an accident, the insured suffers a loss included in the Schedule of Benefits.

PanaMed Group Health

PanaMed is health insurance designed to fulfill the medical needs of your employees and their families, fitting within the policyowner’s budget.
With PanaMed, your employees and their families can enjoy excellent health coverage with hospital benefits, outpatient services, and additional special coverage, in a health network of highly respected hospitals, diagnostic centers, and medical specialists.

Traditional Group Health Product

Your company can move forward and provide valuable benefits to your employees, with effective solutions and coverage to support them and their families.
This plan gives your company a customized health insurance policy.
It will provide you and your employees with hospital and outpatient insurance that, up to a certain limit of face value and only within the health network, covers the insured’s hospital and outpatient expenses up to the established limits.

Personal Accident Insurance Policy—Basic Coverage

Cosmetic Surgery

Life Insurance Policy—Basic Plan

PanaMed Group Health

Traditional Group Health Product

This is an immediate, low-cost protection solution for companies or service providers. When protecting your employees is the most important thing, you have the peace of mind that comes from being prepared for unexpected events with the best plan and financial support.
Most of the benefits and coverage under our products are designed to be enjoyed during the insureds’ lifetime.
Personal accident products can be standardized and/or customized to cover employees in the following arenas:
  • Corporate: at work, at home, personal activities, and private and public transport
  • Conferences
  • Educational trips
  • Tourism
  • Associations, corporate events and fundraisers
  • Concerts
  • Sporting events (non-professional participants)
Coverages
Additional Benefits
Accidental death
International travel assistance
Dismemberment
Telemedicine and online Doctor visits
Daily hospital benefit
Funeral assistance
Ambulatory surgery support
Telenutrition
Travel insurance
Home assistance and health care
Repatriation
Emotional wellness
Disability due to an accident
Pet assistance
Public transport accidents
Dental coverage
Emergency transfers
School orientation
Funeral expenses
Physical therapy assistance
Medical expenses (network—reimbursement)
In each product’s general conditions, you will find a description of the basic coverage and its exclusions, deductible amounts, waiting periods before coverage begins, age limits, automatic renewals, unilateral cancellations, and any other legal provision limiting your right to obtain benefits.

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