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employee care plus
Employee Care Plus

Well being and peace of mind of employees lead to better productivity, hence is imperative for success of any business. A survey established that 75% of employees prefer to have a benefits program rather than cash reimbursements or allowance. Employee benefit programs help the employer to:

  1. Recruit and retain the best talent
  2. Enhance loyalty amongst employees
  3. Minimize losses incurred while his employees are on sick leave, when treatment is provided to them in a timely manner, thus controlling their absence from work.
  4. Plan and control the medical expenses

For the first time in Pakistan, now business firms as small as with 5 (five) employees can also choose from our range of comprehensive life and health insurance plans to provide financial compensation to employees and their families in case of death, disability or sickness.

Small and Medium size businesses are considered the engine of economic growth in both developed and developing countries. Data indicates that SMEs account for 60-90% of all enterprises. In Pakistan, Small and Medium businesses employ 80% of workforce in urban areas and contribute 30% to the country’s GDP. IGI Life endeavors to serve this under-served, yet fast growing segment.

Now you can select an appropriate plan for all your employees and their respective families from various options.Employee Care Plus offers the benefit / compensation in the event of:

Death of employee (due to any cause)
Accidental death – Additional (double) compensation
Permanent Partial Disability (due to accident & sickness)
Hospitalization (due to accident & sickness)
Maternity / Childbirth
Critical Illness & Accidental Medical Reimbursement (optional)
Plan Platinum Gold Silver Bronze
Group Life*
(Death Due to any cause)
Rs. 1,000,000 Rs. 750,000 Rs. 500,000 Rs. 300,000
Accidental Death Benefits*
(Double Indemnity)
Rs. 1,000,000 Rs. 750,000 Rs. 500,000 Rs. 300,000
Permanent Partial Disability*
(Accident & Sickness)
Rs. 1,000,000 Rs. 750,000 Rs. 500,000 Rs. 300,000
Temporary Total Disability*
(Accident only)
Rs. 3,000 fortnightly and maximum up to 12months
Comprehensive Major Medical
(per insured per disability)
Rs. 100,000 Rs. 75,000 Rs. 50,000 Rs.   40,000
Supplementary Major Medical
(per insured per annum)
Rs. 400,000 Rs. 300,000 Rs. 250,000 Rs.   200,000
Daily Room & Board Limit Rs.   7,600 Rs.   5,000 Rs.   3,500 Rs.   2,000
Maternity – Normal Rs. 30,000 Rs. 30,000 Rs. 30,000 Rs. 30,000
Maternity – C-Section Rs. 60,000 Rs. 60,000 Rs. 60,000 Rs. 60,000
Maternity – Abortion Rs. 20,000 Rs. 20,000 Rs. 20,000 Rs. 20,000

* for employees only

Accidental Medical Reimbursement*

Per employee per accident

Rs. 10,000

Rs. 10,000

Rs. 10,000

Rs. 10,000

Rs. 500 deductible per accident

Lump sum payment

Rs. 500,000

Rs. 500,000

Rs. 500,000

Rs. 500,000


Accidental Medical Reimbursement*

Last updated October 15, 2021