Life & Accident Insurance: Protecting Your Team’s Future
Protect your team beyond today with life and accident insurance that supports what matters most.
In a fast-paced SME environment, health benefits are a priority—but many overlook the importance of offering life and accident insurance alongside healthcare. While health plans cover immediate medical needs, life and accident coverage ensures long-term security for employees and their families in the face of unexpected events.
For SMEs, bundling these protections together is a cost-efficient way to strengthen your benefits offering and show that your company is invested in your team’s future—not just their present.
Why Life & Accident Insurance Matters for SMEs
While most companies focus on hospitalization and outpatient coverage, real security comes from being prepared for the unpredictable. Life and accident insurance provides:
✔ Financial support for families in the event of employee loss
✔ Coverage for accidental injuries, disabilities, and income disruption
✔ Peace of mind that extends beyond day-to-day healthcare
What Does Life & Accident Insurance Cover?
Accidental Death & Dismemberment (AD&D): Lump sum benefit for death or permanent disability due to accidents
Accident Medical Reimbursement: Reimbursement for treatment after an accident, even if it happens outside of work
Loss of Income Protection: In cases of long-term disability, insurance can help replace lost wages
Global Coverage: Purple Cow’s options even offer worldwide protection, supporting staff wherever duty calls
These benefits are often provided as a multiple of an employee’s Maximum Benefit Limit (MBL), ensuring fair and proportional protection.
How Bundled Benefits Help HR & SMEs
Streamlined administration – One provider, one platform, simplified claims
Stronger recruitment and retention – Offering more comprehensive protection sets your SME apart
Stronger employee loyalty – Staff who feel valued stay longer and contribute more
Cost efficiency – Bundling can reduce premium costs compared to separate policies
Bundle for Better Protection and Peace of Mind
Bundle life and accident insurance with Purple Cow’s health plans and give your employees the protection they deserve—because caring for your team means planning for the unexpected.
