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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
Employer Plans for SMEs
Life Insurance Plans
Personal Accident Plans
Multinationals
Employer Plans for SMEs
Life Insurance Plans
Personal Accident Plans
Multinationals
Protect the well‑being and boost the productivity of your business's capital with insurance that fits your needs.
SME LIFE & HEALTH
Group Life and Health Insurance designed for small businesses with 4 to 25 full‑time permanent employees.
- Hiring Age: holders from 18 to 64 years 11 months of age
- Age of Termination: 75 years
Our range of structured plans with international and/or local coverage provides you with flexibility that protects your company from financial fluctuations.
SME FLEX
Flexible insurance with local and regional coverage for Group Life and Health Insurance designed for medium‑sized companies with 25 to 75 full‑time permanent employees.
- Hiring Age: holders from 18 to 64
- Age of Termination: 75 years
Our offer of flexibly designed plans with international and/or local coverage will allow you to choose between combinations of benefits, depending on the needs of your company.
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.
- Hiring Age: holders from 18 to 59 years 11 months of age
- Age of Termination: 70 years
Some benefits to choose from are:
- Hospitalization Coverage for the primary insured and their dependents
- Outpatient Treatment for the primary insured and their dependents
- Maternity Coverage
- Dental Coverage including Emergencies and Prevention
- Psychological Assistance Services
- Home Care Services
- Preventive Medicine
- Telemedicine Service
- Home Health Care Service
- Ambulance Service
- Preventive Care
SME LIFE & HEALTH
SME FLEX
FLEXIMEDIC
Group Life and Health Insurance designed for small businesses with 4 to 25 full‑time permanent employees.
- Hiring Age: holders from 18 to 64 years 11 months of age
- Age of Termination: 75 years
Our range of structured plans with international and/or local coverage provides you with flexibility that protects your company from financial fluctuations.
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.
We design products that can be customized with coverage including:
- 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 coverage
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.
We design products that can be customized with coverage including:
- 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 coverage
Personal Accident Insurance Solutions for Employers
This plan offers the support and peace of mind that your employees need to protect their well‑being in case of accidents or unexpected events.
We have a variety of plans offering broad protection for employees of corporations/companies, associations, schools, 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
Features:
- Coverage 24/7/365
- Face values depending on the needs of the policyholder and insureds
- Renewable annual term or pre determined end period
Personal Accident Insurance Solutions for Employers
This plan offers the support and peace of mind that your employees need to protect their well‑being in case of accidents or unexpected events.
We have a variety of plans offering broad protection for employees of corporations/companies, associations, schools, 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
Features:
- Coverage 24/7/365
- Face values depending on the needs of the policyholder and insureds
- Renewable annual term or pre determined end period
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.
*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
Benefits Direct
Access Benefits Direct today to file claims, follow claim status, view policy eligibility and request authorizations.
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.
Telemedicine
PALIG offers its insureds Telemedicine. Consult with healthcare providers through video calls, phone calls, and more without a visit to a clinic.
