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Group Health & Life Insurance

Employers are increasingly becoming aware that the future of any business depends upon the calibre and commitment of its staff. In today’s employment market, it is no longer enough to simply offer the right salary. 

Successful companies attract and retain quality employees by offering a complete and comprehensive employee benefits package, as part of their remuneration, including Group Health Insurance and Group Life Assurance cover.

We are determined to offer the best possible rates and terms to our clients. It is for this reason that we offer special terms to groups of all sizes. We can cater for groups starting from 5 individuals to large organisations employing thousands.

We can offer anything from a low-budget basic health and life insurance policy to full-refund international health insurance and high-value life insurance policies.

 

Download Brochure

 

 

We offer Group Health and Life Insurance for employees and members of companies and organisations in Malta and the EU.

Contact us on [email protected] to learn more about Group Health and Life Insurance for your company or organisation.

What are the Benefits?

  • Offers additional benefits to employees.
  • Show that employees are cared for and give them a sense of belonging.
  • Provide employees with better access to medical care.
  • Favourable rates when compared to Individual coverage.
  • Group plans may be tailor-made to include additional benefits not offered under individual plans.
  • Easy Administration.

 

How to Make a Claim

  • Notification of the claim must be made to the Company as soon as the loss occurs
  • If you cannot find a downloadable claim form on our website, please contact our offices immediately
  • The claim form must be supported by all necessary documentation/reports/estimates
  • Upon receipt of all the above, the company will be in a position to consider the claim submitted in the light of the Policy wording

Where applicable, In the event of loss/damage you must:

  • Provide at your own expense all the information and help we need
  • Retain all damaged items for us to view, test or inspect
  • Take photographs as necessary to prove your loss/damage
  • Tell the police immediately about any property which has been lost, stolen or maliciously damaged
  • Do all you reasonably can to recover any lost or stolen property
  • Provide us with details of any third parties which could be involved in the loss/damages you have suffered
  • Forward us immediately and unanswered any legal documents served on you in connection with any claim for legal liability arising from injury or damage
  • Not discuss, admit, reject or negotiate any claim with anyone else without our written permission
  • Always act as if you are uninsured to try and minimise the loss as much as possible

For Health Insurance Claims:

  • Claims for specialist consultation and any diagnostic procedures must be on the initial recommendation of your General Practitioner, except for consultations/treatment given by gynaecologists, paediatricians or ophthalmologists
  • You must always contact Laferla Insurance Agency Ltd. before receiving any in-patient treatment, C.T./M.R.I. scan, or any other high-cost treatment, to enable us to confirm eligibility and extent of cover
  • Claims, together with original receipts, to be submitted within 3 months of initial date of treatment
  • Upon receipt of all the above, the company will be in a position to consider the claim submitted in the light of the Policy wording

If you are a Laferla Insurance customer you can download and print the relevant claim form below. Please complete the form, post it or fax it back to us on 2124 081.

Download Health Claim Form 

 

 

Schedule of Customary and Reasonable Fees

The schedule is what Laferla Insurance Agency Limited considers to be reasonable and customary in terms of its underwriting policies of health insurance secured with Middlesea Insurance plc.

Note that the figures provided are maximum benefits payable always subject to the terms and conditions of the applicable insurance policy.

Schedule of Fair and Reasonable Benefit Maxima