Employee Insurance
Insurance Pillar

Employee Insurance

Protect your people; attract and retain top talent.

About this Pillar

Comprehensive Employee Insurance from Oakstem

We help employers attract and retain top talent through competitive employee benefits packages. Oakstem designs and administers group insurance programs that protect employees and their families while supporting workplace wellness.

Audience

Who this cover is for

If you recognise yourself in any of these, this is for you.

  • Individuals and families wanting predictable monthly cover
  • SMEs balancing premium cost with comprehensive protection
  • Corporates and contractors needing scheme-level cover
  • Anyone who has been over-charged or under-covered in the past
Our process

How it works with Oakstem

From the first call to the renewal letter, here's exactly what happens.

  1. 01 Step 1

    Discovery call

    A 15-minute conversation to understand what you need to insure and why.

  2. 02 Step 2

    Underwriter comparison

    We pull comparable quotes from our 15+ partner insurers and present the trade-offs.

  3. 03 Step 3

    Policy issuance

    You pick the cover, we handle paperwork, payment scheduling and the certificate.

  4. 04 Step 4

    Claims & renewal

    When something happens, you call us — not the insurer. We manage the claim end-to-end and re-shop the cover at renewal.

Why it matters

Why Employee Insurance matters

Risk does not announce itself. The right policy means an accident, illness or loss disrupts a few days of your life — not years of your finances.

Available Cover

Cover Options

Tailored protection within Employee Insurance.

01

Work Injury Benefits Acts (WIBA)

Cover for employees while on duty in the execution of the Insured's business.

  • Accidental death
  • Permanent total disability
  • Temporary total disability
  • Medical expenses
Learn more →
02

Group Personal Accident (GPA)

Compensation for employees in the event of death, injury or disability from accidents.

  • Accidental death
  • Permanent disability
  • Temporary disability
  • Medical expenses
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03

Last Expense / Funeral Cover

Stand-alone cover that pays an agreed lump sum on death of an insured employee.

  • Lump-sum payout
  • Quick claims turnaround
  • Family financial relief
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04

Life Insurance

Protection against financial loss from the premature death of an insured person.

  • Death benefit to beneficiaries
  • Education protection for children
  • Individual or group cover
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05

Group Life Cover

Life insurance taken by an employer that pays an agreed amount on death in service.

  • Death-in-service payout
  • Beneficiary protection
  • Tax-efficient employee benefit
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06

Fidelity Cover

Protection against loss of money or property due to employee fraud, theft or dishonesty.

  • Employee fraud cover
  • Theft & dishonesty
  • Recovery of losses
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07

Travel Insurance

For companies whose employees travel to overseas subsidiaries, branches or offices.

  • Loss of passport & luggage
  • Travel delay & cancellation
  • Medical expenses & assistance
  • Hospital allowance
Learn more →
FAQ

Frequently Asked

Everything you wanted to know about Employee Insurance.

Underwriters look at the value at risk, your claims history and a handful of risk-rating factors. We help you understand each factor and where you can negotiate or restructure.
Most claims are settled within 14–30 days of complete documentation. Our team chases the underwriter on your behalf so you do not have to.
Yes. Bundling typically unlocks loyalty discounts and a single renewal date — handy if you are also taking medical, motor or property cover with us.
We can usually amend the policy mid-term (add a vehicle, dependent or asset). Major changes may move to the next renewal — we will tell you up front.
Take the next step

Ready to protect your employee insurance?

Talk to a Oakstem advisor and get a tailored quote within 24 hours.

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