LIFE INSURANCE
for Employees in Africa

The AHR Group Life Policy automatically covers all active employees of Africa HR Solutions, including all active employees contractually engaged across Africa under Africa HR Solutions’ employer of record solution, between the ages of 18 – 64 (‘Eligible Employee/s’).
This means that employees will not be covered before their employment start date and after their effective date of termination of employment.

Subject to the terms and conditions of the AHR Group Life Policy, the AHR Group Life Policy will pay a fixed benefit of USD 20,000 to the nominated beneficiaries of the Eligible Employee. No medical questionnaires are required for the fixed benefit of USD 20,000.
Additional coverage is available up to a maximum of USD 100,000 per Eligible Employee until the age of 60, subject to not exceeding 6 x basic annual salary (inclusive of the fixed benefit of USD 20,000). This additional coverage is also subject to the completion of a voluntary health declaration, which is satisfactory to Unisure Limited.

Africa HR Solutions is solely responsible for the premiums associated with the fixed benefit of USD 20,000 per Eligible Employee.
In the event that an Eligible Employee wishes to apply for additional coverage, and this is accepted by Unisure Limited, Africa HR Solutions will not be responsible for the premiums associated with such additional coverage.

The AHR Group Life Policy covers death by any cause during active employment, subject to the following key limitations:
(i) Suicide is not covered during the first 24 months of employment.
(ii) The following industry-standard exclusions also apply and no benefits will be paid in the event of death by:
• War or warlike operations.
• Terrorist activity.
• Chemical agent, biological agent or nuclear reaction.
• Abuse or being under the influence of drugs and/or alcohol.
• Deliberate exposure to exceptional danger.
• Any loss caused directly or indirectly from kidnap or wrongful detention.
• Travel to war zones.
• Where general medical advice has not been followed.

beneficiaries who will be paid in the event of a valid claim. This should be sent to the relevant Key Account Manager at Africa HR Solutions and we recommend that Eligible Employees also send this to their nominated beneficiaries for record keeping purposes.
Please note that, in the event that an Expression of Wish Form is not completed and signed, Unisure Limited will be solely responsible for identifying the applicable beneficiaries during the claims stage in accordance with applicable local law and legal requirements.
In the event that an Eligible Employee wishes to apply for additional coverage under the AHR Group Life Policy, they should contact the relevant Key Account Manager at Africa HR Solutions who will guide them through the process.

In the event of the death of an Eligible Employee, the nominate beneficiaries should initially contact the relevant Key Account Manager at Africa HR Solutions, who will notify Unisure Limited of the claim.
We recommend that the nominated beneficiaries should also send an email to [email protected] and [email protected] notifying Africa HR Solutions of the claim and attaching the completed and signed Expression of Wish Form.
In addition, please note that Africa HR Solutions can be called on +230 465 3100.
As the administrators and underwriters of the AHR Group Life Policy, Unisure Limited is solely responsible for administering the claims in accordance with the terms and conditions of the AHR Group Life Policy.

Extended coverage is also available to active employees between the ages of 65 – 75, subject to satisfactory medical underwriting. Africa HR Solutions will not be responsible for the premiums associated with such extended coverage.
All claims will be subject to the full terms and conditions of the AHR Group Life Policy, which will be made available to all Eligible Employees upon written request to Africa HR Solutions.
The AHR Group Life Policy is being offered to all Eligible Employees at the sole discretion of Africa HR Solutions Limited and this benefit can be revoked by Africa HR Solutions at any stage. In the event that the AHR Group Life Policy is revoked by Africa HR Solutions for any reason, all Eligible Employees will be notified.