Voluntary Personal Accident Insurance for Employees | Sarwa Life
Optional Protection. Maximum Peace of Mind.
Accidents can happen anytime, anywhere — and when they do, even a small policy can make a big difference.
Sarwa Life’s Voluntary Personal Accident Insurance Plans allow companies to offer their employees an extra layer of protection against accidental death and disability, at no cost to the employer.
This flexible group plan is funded by employees through low-cost monthly payroll deductions, giving them financial security without affecting your business’s budget.
What the Plan Covers
- Accidental Death Benefit A lump sum payout to beneficiaries in the event of the insured’s death due to an accident.
- Permanent Total Disability Benefit Compensation for total, irreversible disability caused by an accident.
- Permanent Partial Disability Partial payout based on the severity and nature of injury.
Optional riders may include:
- Critical illness coverage
- Hospital cash allowance
- Reimbursement of medical treatment expenses
How It Works
- Employer Enrollment: Your business enrolls in Sarwa’s voluntary program at no cost.
- Employee Opt-In: Each employee chooses whether to enroll and selects a coverage tier.
- Payroll Deduction: The monthly premium is automatically deducted from the employee’s salary.
Why Offer Voluntary Personal Accident Plans?
- Zero cost for the company
- Added value to employee benefit packages
- Boosts employee confidence and retention
- Easy to implement and manage
Ideal For:
- Small and mid-sized companies
- Industrial and field-based teams
- Healthcare, logistics, and education providers
- Companies seeking enhanced benefit programs without budget impact
Empower Employees with Affordable Protection With Sarwa Life’s Voluntary Personal Accident Insurance, you can show your team you care — while giving them the option to protect their future with a plan they can afford