Overview

Various employers understand the fact that there are risks associated with the jobs, and they take great care of their employees by providing free employment benefits. Most employees are happy with the cover or benefits provided by their employer, but are it sufficient for employees? Can an employee completely rely on the benefits offered by their employer? It can depend on various factors whether the benefits offered by the employer are sufficient for you or not. Here is what you need to know.

How to know if you can rely on employment benefits?

There are certain ways to identify whether you can rely on employment benefits or not.

Are your family and loved ones covered?

Family is doubtlessly a priority when it comes to buying life insurance or protection in any other way. You will never want your loved ones to suffer in an event of your death or when your loved ones can’t rely on your income anymore. It is important to know if your loved ones are safe if the worst happens.

Do you have cover for illnesses?

You can never know what the next life has to offer, critical illness or accident can strike without any prior notice. You need to ensure that you have some kind of protection in place to deal with such incidents. Your insurance should allow you to deal with medical expenses, any other loan that you may have or to deal with daily expenses. Will you get enough payout in such an event?

Do you need a separate policy?

When you analyze all the features of the policy that you already have from your employer, you will need to decide whether you need a separate policy or not. If your employee benefits don’t fulfil your life insurance or protection needs, better get a separate policy.

Know more from our life insurance experts.



We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
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