skip to main content

A group insurance plan to help employers care for the health, safety and well-being of their employees while working from home (WFH). 

The traditional work environment has fragmented into different types of work spaces, with employees now digitally connected by video and teleconferencing applications.

Working from home can result in feelings of isolation due to social separation and changes in work demands may lead to fatigue. Employees are also exposed to inconsistent workstation ergonomics, home hazards such as stairs and unkept toys.

Even after the COVID-19 pandemic has passed, working from home may remain a part of every employee’s work week and expectations.

Coverage Highlights

Policy Coverage

Coverages are modifiable based on Client’s request


Work from Home Perils

Mental Health Support
- Max of Php 5,000, up to 4 consultations a year

Ergonomics Injury Benefit (requires surgery)
- Php 200,000

Ergonomics Prevention
- Php 5,000 for Occupational Health and Safety Consultation

- Php 45,000 for Remedial/Replacement Furniture

Domestic Perils: Slips & Falls
- Accidental Death and Permanent Disability: Php 200,000.00

- Temporary Total Disablement: Php 1,000 per day


Home Perils:  Domestic Burns

- Php 50,000


Mobile Office

- Php 200,000.00 for Accidental Death and Permanent Disability

- Php 1,000 per day for Temporary Total Disablement

Benefits for Employees and Businesses

  • Mental Health Support
    A payment for the mental health / psychological counselling expenses of employees diagnosed with stress disorders caused or contributed to by, working from home arrangements.
  • Ergonomics Injury
    A payment for employees to cover any surgery costs required as a result of a postural or ergonomic injury caused by poor home workspace design or conditions.
  • Ergonomics Prevention
    A payment for an Occupational Therapist consultation to address diagnosis for postural or ergonomic stress or strain and to cover the cost of any recommended equipment.
  • Domestic Perils: Slip & Falls
    A payment to employees or their estate to cover expenses as a result of an Accidental Death or Permanent Disability due to an accident at home. Includes a daily benefit up to 14 days for any extended leave required following a serious injury at home.
  • Domestic Perils: Burns
    A payment for employees for serious burns received as a result of cooking while working from home.
  • Mobile Office
    A payment if an employee needs or chooses to take their work outside and suffers an Accidental Death or Permanent Disability. Includes a daily benefit up to 14 days for any extended leave required following a serious injury.

Have a question or need more information?

Contact us to find out how we can help you get covered against potential risks