1. PRUCorporate Life
Overview: PRUCorporate Life is a group life insurance product designed to provide life protection for employees. It ensures that employees' families receive financial support in the event of the employee's death, offering peace of mind to both employers and employees.
Features:
- Group Coverage: Covers all eligible employees under a single policy.
- Flexible Sum Assured: Choose the coverage amount based on the company’s needs and budget.
- Additional Riders: Options to add riders such as accidental death, critical illness, and total permanent disability for enhanced protection.
- Simplified Enrollment: Easy enrollment process for employees without the need for medical underwriting.
Benefits:
- Employee Welfare: Enhances employee benefits, contributing to job satisfaction and retention.
- Financial Security: Provides financial support to employees' families in case of death.
- Comprehensive Protection: Customizable with additional riders for broader coverage.
- Cost-Effective: Economical way for employers to provide life insurance benefits.
2. PRUGroup Health
Overview: PRUGroup Health is a group health insurance product designed to provide comprehensive health coverage for employees. It covers a wide range of medical expenses, ensuring employees have access to quality healthcare services.
Features:
- Comprehensive Medical Coverage: Includes hospitalization, outpatient treatment, maternity benefits, dental care, and more.
- Cashless Facility: Cashless treatment at a network of partner hospitals and clinics.
- Flexible Plans: Various plan options to suit different company sizes and budgets.
- Health and Wellness Programs: Includes preventive care programs and wellness initiatives to promote employee health.
Benefits:
- Quality Healthcare: Ensures employees receive the medical care they need without financial strain.
- Employee Satisfaction: Enhances job satisfaction and loyalty by providing valuable health benefits.
- Reduced Absenteeism: Promotes healthier employees, reducing absenteeism and increasing productivity.
- Customizable Plans: Tailor the coverage to meet the specific needs of the workforce.
3. PRUWorkman Compensation
Overview: PRUWorkman Compensation is designed to provide financial compensation to employees who suffer work-related injuries or illnesses. It ensures that employees receive adequate support during recovery, helping them return to work.
Features:
- Income Replacement: Provides compensation for lost wages due to work-related injuries or illnesses.
- Medical Expenses: Covers medical treatment, rehabilitation, and recovery costs.
- Disability Benefits: Offers benefits for temporary or permanent disabilities resulting from workplace incidents.
- Death Benefits: Provides financial support to the families of employees who die due to work-related incidents.
Benefits:
- Employee Protection: Ensures employees are supported during recovery from work-related injuries or illnesses.
- Financial Security: Provides income replacement, reducing financial stress for affected employees.
- Compliance: Helps employers comply with local labor laws and regulations.
- Workplace Safety: Encourages a safer work environment by highlighting the importance of employee health and safety.
4. PRUGroup Term Life
Overview: PRUGroup Term Life is a group term life insurance product offering high coverage at affordable premiums. It provides financial protection to employees' families in the event of the employee's death within the policy term.
Features:
- Affordable Premiums: Cost-effective premiums for high coverage amounts.
- Fixed Term: Coverage for a specified period, such as one year, with the option to renew.
- Simplified Enrollment: Easy and quick enrollment process without extensive medical examinations.
- Rider Options: Additional riders available for critical illness and accidental death coverage.
Benefits:
- High Coverage: Provides substantial financial protection at a lower cost.
- Financial Security: Ensures that employees' families are supported in the event of death.
- Employee Benefits: Enhances the overall benefits package, contributing to employee satisfaction and retention.
- Customizable: Flexible coverage options and additional riders for comprehensive protection.
Prudential Indonesia’s employee protection insurance products are designed to provide comprehensive coverage and financial security for employees. These products help employers enhance their benefits packages, improve employee satisfaction and retention, and ensure compliance with local labor regulations.