Life & Health Insurance
We focus on understanding the health and protection needs of your employees. Aware that the most valuable asset of any company is its people, we design tailored solutions that support the attraction and retention of key talent.
How do we do it?
We are expert consultants in employee benefits programs. At Global Assurance, every client is a unique project.
Analysis and Evaluation of Your Benefits Program
We identify needs, analyze population composition, coverage requirements, market trends (benchmarking), and align with your company’s strategy.
Planning and Design
We define strategies, processes, and specific actions aligned with your organizational goals.
Placement Process, Economic Proposal & Customized Technical Solutions
We assess and price risks, and negotiate competitive offers with our partner insurers.
Issuance and Validation of Insurance Contracts
We consolidate offers while ensuring the proper application of agreed conditions in all policies.
Communication with Stakeholders and Employees
We design the right strategy and tools to deliver clear, relevant, and objective information.
- Training sessions
- Flyers, tips, and user guides
- Monthly newsletters on health, wellness, etc.
Claims Support, Administration & Advisory Services
We offer medical and claims support with dedicated teams to assist policy
holders in complex cases, available 365 days a year, 24/7.
Because we understand that your health is what matters most!
Audit, review, and oversight committees for our management, metrics, and statistics.
We guarantee our service through regular evaluations.
Key Program Types We Offer
Optional & Flexible Plans
Individual top-ups (life, medical expenses), critical illness, educational plans, hospitalization indemnity, etc.
Health Plans
Major and minor medical expenses, dental and vision plans, medical memberships, assistance services, etc.
Life & Assistance Insurance
Life, personal accidents, travel protection, expense coverage, assistance, and funeral services.
Group Insurance Programs
Wellness & Employee Wellbeing Programs
Frequently Asked Questions
- It is an insurance policy that protects you in case of an accident or illness by covering most hospital, medical, and medication expenses incurred as a result.
- Yes, the limit is determined by your insured sum. This amount is the maximum that can be covered for an illness or accident, in addition to specific sub-limits for each type of coverage.
- Deductible: The initial amount you must pay out of pocket for each illness or accident. It applies only once per covered event and is usually set in UMA (Unit of Measure and Update). Once this amount is exceeded, the insurer begins coverage.
- Co-insurance: The percentage of covered expenses that you must pay after the deductible has been applied. This amount is usually expressed as a percentage and subject to a maximum cap.
Policies may vary depending on the product, but common exclusions include:
- Pre-existing conditions
- Companion expenses during hospitalization
- Cosmetic or elective medical/surgical treatments
- Vitamin supplements
- Check-ups not related to a covered condition
- Dental, alveolar, gingival, or maxillofacial treatments
- Infertility, sterility, or birth control treatments
- Conditions resulting from drug or alcohol use
- And others...
It depends on the coverage you have contracted. In some cases, especially in accidents, you may not be required to pay the deductible or co-insurance.
- UMA stands for “Unidad de Medida y Actualización” (Unit of Measure and Update), a monetary reference value established by the Mexican government and updated annually. You can check the current value at: https://www.inegi.org.mx/temas/uma/
- It is a financial instrument that provides a guaranteed sum in case of death, disability, or survival.
- In group or collective life insurance, the employer contracts the policy as part of the employee benefits package.
- Yes. The insured has the right to freely designate or change beneficiaries at any time, provided there is no legal restriction. The change must be requested in writing using the life insurance consent form applicable to your policy.
Some of the complementary coverages we may offer include:
- Funeral assistance
- Medical assistance (home visits, medical referrals, pharmacy and lab discounts)
- Ambulance service
- Legal, nutritional, psychological, and grief counseling
- Funeral expense coverage
We recommend consulting a specialist to understand the specific conditions of your policy, as they may vary depending on the coverage, insurer, region, etc.
