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Affordable group cover for illness, accidents, and life’s unexpected events
Many employees in Norway need protection against illness, injury, or death, but private insurance can be costly. Group insurance arranged through the workplace is typically far more affordable, offering employees greater security while strengthening your business offering.
At Howden, we help you build the right insurance programme for your workforce. We benchmark prices and conditions every year to ensure your coverage is always competitive and relevant no matter your industry.
Key features:
- Compensation for permanent disability or injury (e.g. loss of hearing or limb)
- Reimbursement for reduced work capacity or loss of income
- Coverage for medical equipment beyond what the national insurance covers
- Financial support to dependants in case of death, with added payout for children under 20
- No employer tax on premiums
Protect your people outside of working hours. Leisure accident insurance offers worldwide coverage with minimal exclusions and flexible benefit levels.
It’s a cost-effective option that can enhance your overall employee benefits offering.
Most serious illnesses—like cancer, stroke, or cardiovascular disease—occur outside of work. Group sickness insurance ensures your employees are financially supported during recovery, helping them focus on their health and easing the pressure on your business.
Offer peace of mind with tax-free financial protection for an employee’s family in the event of death. This insurance provides a lump-sum payout, regardless of cause, and can be structured to suit different family situations.
Key benefits:
- Paid directly to spouse, partner, or chosen beneficiary
- Customisable payout structures
- No inheritance tax for spouses or children
- Fully flexible with support for modelling and implementation
A serious diagnosis can cause financial strain—on top of emotional and physical challenges. Critical illness insurance provides a one-time tax-free payment soon after diagnosis, helping employees cover medical costs or focus on what matters most.
Covers conditions like:
- Cancer
- Heart attack or major heart surgery
- Stroke and brain tumours
- Multiple sclerosis (MS)
- Organ transplant and kidney failure
It's time to invest in your employees’ health and wellbeing
Looking after employees’ health and wellbeing is a growing priority for businesses of all sizes. Organisations are increasingly recognising the benefit to both their business and their people of taking a proactive approach to workplace health and wellbeing.
This includes minimising employee absence due to ill health, having a more productive workforce and creating a happy and healthy culture where employees can thrive.
If you're considering healthcare benefits for the first time or looking to review the benefits you have in place, our team of expert consultants can help you. They provide independent and impartial advice based on the needs of your business, people and budget. You can rest assured you'll be in good hands.
Wherever work takes your people, we’ve got them covered
Whether it’s a short trip across the border or a long-haul flight to the other side of the world, travel insurance makes sure your employees are protected while they’re on the move.
We’ll help you build a travel insurance solution that works for your business—covering individuals or teams, with the option to agree annual travel days in advance. Many of our clients choose to extend this cover to include employees’ families during personal trips too.
Want to go further? We can also include:
- One-off payouts for accident-related disability or death
- Medical cover for expat employees living or working abroad
With access to a wide market and deep product knowledge, we’ll help you find the right balance of cover and cost—so your people feel safe, wherever business takes them.
