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Welfare Cover

Students Welfare Insurance Scheme

A low-cost student group cover designed for tertiary institutions and the risks students are actually exposed to.

Universities and colleges

Student protection programmes

School-bill integrated insurance

Talk To Our Team

Welfare Cover

SWIS

Students Welfare Insurance SchemeStudents Welfare Insurance Scheme is tailored to the needs of students through benefits shaped around the risks common to higher institutions.

At A Glance

What matters most about this structure.

Who holds policyInstitution as policyholder

ScopeNatural death, accidental death, medical expenses

Cover basis24-hour on and off campus

Overview

How this group plan is positioned.

Students Welfare Insurance Scheme is tailored to the needs of students through benefits shaped around the risks common to higher institutions.

It is intended for public and private universities, polytechnics, and colleges of education.

Product Detail

Features, benefits, and operating notes.

The old-site content has been reorganised here into the sections decision-makers usually want first.

Key Features

The institution is the policyholder while students are the insured lives.

The scheme provides benefits for both accidental and natural death.

Premiums are usually paid by students along with the school bill.

Policy is renewable annually and runs on a 24-hour basis.

Provides lump-sum cash benefits for next of kin.

The scheme is essentially non-medical.

Benefits

Protection continues both on and off campus.

Can cover medical and hospital expenses where injury results directly from an accident.

Helps institutions provide a more formal welfare layer for students.

Notes

Medical expenses are not paid in isolation; there must be an accident that results in injury.

Cult-related injury or death must be disproved by school authorities for a claim to stand, and cult-related injury itself is excluded.

The institution, not the student, is treated as the insured for claim discharge purposes.

Need Guidance?

Need help structuring group cover or benefits?

If the organisation needs a clearer welfare, compliance, gratuity, or credit-protection setup, Clara can help narrow the right plan before your team speaks with Capital Express directly.

More Group Plans

Explore related group products.

Home/Group Plans/Students Welfare Insurance Scheme

Welfare Cover

Students Welfare Insurance Scheme

A low-cost student group cover designed for tertiary institutions and the risks students are actually exposed to.

Universities and colleges

Student protection programmes

School-bill integrated insurance

Talk To Our Team

Welfare Cover

SWIS

Students Welfare Insurance SchemeStudents Welfare Insurance Scheme is tailored to the needs of students through benefits shaped around the risks common to higher institutions.

At A Glance

What matters most about this structure.

Who holds policyInstitution as policyholder

ScopeNatural death, accidental death, medical expenses

Cover basis24-hour on and off campus

Overview

How this group plan is positioned.

Students Welfare Insurance Scheme is tailored to the needs of students through benefits shaped around the risks common to higher institutions.

It is intended for public and private universities, polytechnics, and colleges of education.

Product Detail

Features, benefits, and operating notes.

The old-site content has been reorganised here into the sections decision-makers usually want first.

Key Features

The institution is the policyholder while students are the insured lives.

The scheme provides benefits for both accidental and natural death.

Premiums are usually paid by students along with the school bill.

Policy is renewable annually and runs on a 24-hour basis.

Provides lump-sum cash benefits for next of kin.

The scheme is essentially non-medical.

Benefits

Protection continues both on and off campus.

Can cover medical and hospital expenses where injury results directly from an accident.

Helps institutions provide a more formal welfare layer for students.

Notes

Medical expenses are not paid in isolation; there must be an accident that results in injury.

Cult-related injury or death must be disproved by school authorities for a claim to stand, and cult-related injury itself is excluded.

The institution, not the student, is treated as the insured for claim discharge purposes.

Need Guidance?

Need help structuring group cover or benefits?

If the organisation needs a clearer welfare, compliance, gratuity, or credit-protection setup, Clara can help narrow the right plan before your team speaks with Capital Express directly.

More Group Plans