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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, health, and personal accident insurance for your company’s employees. With more than 110 years in the market, and as the number one company in group health insurance * in Panama, we offer plans and coverage that meet your employees’ needs and your budget.
*Information from Superintendencia de Seguros y Reaseguros de Panamá
Explore our Solutions
Personal Accident Plans
Employer Plans for SMEs
Business Life Insurance
Life Insurance Solutions
Multinationals
Personal Accident Plans
Personal Accident Plans
Employer Plans for SMEs
Employer Plans for SMEs
Business Life Insurance
Business Life Insurance
Life Insurance Solutions
Life Insurance Solutions
Multinationals
Multinationals
Personal Accident Insurance Solutions for Employers
Personal Accident Insurance Solutions for Employers
We are committed to caring for your company’s most valuable resources, by covering your employees under a single policy. Our group life and personal accident insurance allows you to prevent and protect against any situation, with a variety of plans offering broad protection for people belonging to companies, schools, associations, and other organizations.
- Corporate events
- Short‑term: protection for events with an established start and end time
- Student plans: schools and universities
- Critical illness
- Travel assistance
Summary of Benefits:
- Around‑the‑clock coverage
- Sums insured depending on the needs of the policyholder and insureds
- Renewable annual limit or coverage for a specific period of time
- Easy process—no medical exams required
- Option to insure dependents
- And more
To request a quote, click here.
Personal Accident Insurance Solutions for Employers
Personal Accident Insurance Solutions for Employers
We are committed to caring for your company’s most valuable resources, by covering your employees under a single policy. Our group life and personal accident insurance allows you to prevent and protect against any situation, with a variety of plans offering broad protection for people belonging to companies, schools, associations, and other organizations.
- Corporate events
- Short‑term: protection for events with an established start and end time
- Student plans: schools and universities
- Critical illness
- Travel assistance
Summary of Benefits:
- Around‑the‑clock coverage
- Sums insured depending on the needs of the policyholder and insureds
- Renewable annual limit or coverage for a specific period of time
- Easy process—no medical exams required
- Option to insure dependents
- And more
To request a quote, click here.
Protect the well‑being and boost the productivity of your business's capital with insurance that fits your needs.
SME Life & Health
SME Life & Health
SME Life & Health protects your workforce with medical and life insurance for groups of four to 25 permanent, full‑time employees. With this insurance plan, intended for small and medium‑sized businesses, you’ll receive coverage for the various categories of employees in your business.
- Age of eligibility: primary insureds from age 18 to age 64
- Age of coverage termination: age 75
Summary of Benefits:
- Reimbursement of medical expenses
- Medication
- Optional dental coverage for preventive and restorative treatment
- Psychological assistance services
Our structured plans with international and/or local coverage offer a wide range of options to meet your company’s financial and protection needs.
To request a quote, click here.
PYMEFLEX
PYMEFLEX
Under this flexible plan with local and regional coverage, you can select your group life and health insurance designed for medium‑sized companies with 25 to 75 permanent, full‑time employees.
- Age of eligibility: Primary insureds from age 18 to age 64
- Age of coverage termination: age 75
Our flexible customized plans with international and/or local coverage allow you to choose from various combinations of benefits, based on your company’s needs.
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 allows your company to design a customized life and medical insurance plan.
Summary of Benefits:
- Outpatient doctor visits
- Medical assistance: primary care, specialists, psychology, and more
- Plans with or without maternity coverage
- Medication
- Optional preventive dental coverage
- Preventive medicine
- And more
To request a quote, click here.
FLEXIMEDIC
FLEXIMEDIC
Group life and health insurance designed for medium and large companies. As specialists in employee benefit plans, we accompany you in the design of plans that adapt to your organizational structure and your business nature, which not only allow you to meet the protection needs of your employees, but also allow you to maintain your competitiveness to attract and retain the best talent.
- Age of eligibility: holders from 18 to 59 years 11 months of age
- Age of termination: 70 years
Summary of Benefits:
- Hospitalization coverage for the primary insured and their dependents
- Outpatient treatment for the primary insured and their dependents
- Maternity
- Dental coverage including Emergencies and Prevention
- Psychological assistance services
- Home care services
- Preventive medicine
- Home health care service
- Ambulance service
- Preventive care
To request a quote, click here.
SME Life & Health
SME Life & Health
PYMEFLEX
PYMEFLEX
FLEXIMEDIC
FLEXIMEDIC
SME Life & Health protects your workforce with medical and life insurance for groups of four to 25 permanent, full‑time employees. With this insurance plan, intended for small and medium‑sized businesses, you’ll receive coverage for the various categories of employees in your business.
- Age of eligibility: primary insureds from age 18 to age 64
- Age of coverage termination: age 75
Summary of Benefits:
- Reimbursement of medical expenses
- Medication
- Optional dental coverage for preventive and restorative treatment
- Psychological assistance services
Our structured plans with international and/or local coverage offer a wide range of options to meet your company’s financial and protection needs.
To request a quote, click here.
Ensure the continuity of your business.
Covering the lives of your business partners and key individuals is an essential part of sound financial planning. Protect your company from the financial imbalance that would be caused by the absence of these individuals.
Summary of Benefits:
- Ensures your business continuity and integrity
- Does not affect working capital
- Secures liquidity
- Flexibility and excellent returns
- And more
Think about everyone who depends on you today. Your business life insurance is here for you. We are ready to answer any questions you may have.
To request a quote for Business Insurance,
Life Insurance Solutions for Employers
Life Insurance Solutions for Employers
Group life insurance is designed to support you by protecting the well‑being of your organization’s employees and families against the unexpected.
Group Life from Pan‑American Life offers your team financial protection and peace of mind, through a comprehensive insurance plan that can meet the protection needs of every group and budget.
Summary of Benefits:
- Death due to any cause
- Total and permanent disability
- Accidental death and dismemberment
- Triple compensation for specific accident
- Advance for funeral expenses
- Critical illness
- Voluntary supplemental group life plans
- Other coverages
- And more
To request a quote, click here.
Life Insurance Solutions for Employers
Life Insurance Solutions for Employers
Group life insurance is designed to support you by protecting the well‑being of your organization’s employees and families against the unexpected.
Group Life from Pan‑American Life offers your team financial protection and peace of mind, through a comprehensive insurance plan that can meet the protection needs of every group and budget.
Summary of Benefits:
- Death due to any cause
- Total and permanent disability
- Accidental death and dismemberment
- Triple compensation for specific accident
- Advance for funeral expenses
- Critical illness
- Voluntary supplemental group life plans
- Other coverages
- And more
To request a quote, click here.
For companies operating in several countries, we offer a complete benefits package that meets each country’s needs.
Our unique geographical presence, combined with our specialized experience designing accident, life, health, and retirement plans for multinational companies, has made us the partner of choice for companies like yours seeking to offer their employees high‑quality benefits and first‑class services.
To request a quote,
*NOTE: Information and pricing subject to change for product renewals
This is not an offer or solicitation to sell insurance products. The information above constitutes a summary of the different product benefits. It is not a contract or agreement. All products are subject to exclusions and other applicable terms and conditions.
Portal Access
Member Portal
Access member portal today for your policy information, pre authorizations, obtain ID cards and much more.
Additional Resources
Resource Center
Access additional resources, forms, applications, product terms and conditions and additional policy benefits
PALIG Plus
A discount program offering attractive benefits at numerous participating businesses to help you save on your healthcare.
PALIG Assistance
PALIG offers its insureds PALIG Assistance. Consult with healthcare providers through video calls, phone calls, and more without a visit to a clinic.
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