Starter team
₦2,400a month, from
- Group life for 5 to 20 staff
- Certificates in 48 hours
- Monthly or yearly billing
Age 40
Chapter: Own business, from age 40
Staff benefits
Group life, staff health and accident cover for businesses with 5 to 5,000 people, managed from one online dashboard that HR actually enjoys using.
From ₦2,400 a staff member a monthexample
Why it matters here
Staff benefits cover for how life really works in the South West
Group life cover is required by law for employers with three or more staff in Nigeria, and good health cover keeps your best people. We set it up in a week, send cards to every phone and handle claims with dignity.
- 01
Group life
Three times each employee's annual salary paid to their family, as the law requires.
- 02
Staff health
Bronze, Silver or Gold plans for staff and their families, with one invoice.
- 03
Personal accident
Injury cover at work and on the way to work.
- 04
Online dashboard
Add and remove staff, download certificates and see claims in one place.
- 05
Wellness days
Free on site health checks once a year for teams of 50 or more.
- 06
Dedicated manager
One named account manager, reachable on WhatsApp.
Price staff benefits
Example rates for this demo, not an offer. A person on the team checks every quote before cover starts.
Get my full quotePlans
Three ways to be covered
Prices are example monthly amounts from our rate card. Pay monthly, quarterly or yearly by card, transfer, direct debit or POS at any branch.
Most chosen
Growing team
₦11,800a month, from
- Group life plus Bronze health
- Accident cover
- HR dashboard
Enterprise
₦24,500a month, from
- Group life plus Silver health
- Wellness days
- Dedicated account manager
Claims
How a staff benefits claim moves
Every step shows in your account, with the name of the person handling it.
- Week 1
Staff list
Send a staff list with salaries. We return a quote the same day.
- Week 1
Certificates
Certificates for your compliance file within 48 hours of payment.
- Ongoing
Changes online
Add new starters on the dashboard. Cover begins the same day.
- At claim
Family support
A named claims officer supports the family from first call to payment.
We moved 84 staff from three insurers to Crescent in one week. HR finally has one dashboard and one invoice.
Honest limits
What this cover does not do
Read these before you buy. The full policy wording is in your account and at every branch.
- Staff aged over 70 on group life without underwriting
- Health conditions before joining for small groups of under 10, for 12 months
Questions
Staff benefits cover, answered
Is group life insurance compulsory?
Employers with three or more staff are required by Nigerian law to hold group life cover of at least three times annual pay. We will confirm the current requirement with your adviser.
Can staff add their families to health cover?
Yes. You pay for staff and they can add family members at the group rate, paid from salary.
How are premiums worked out?
Group life is a small percentage of the yearly payroll. Health is a fixed amount per person for the plan chosen.
Can we pay quarterly?
Yes. Monthly, quarterly or yearly, with a discount for yearly payment.
Next on the timeline
People with this cover often add
Ready to cover your own business?
A quote takes two minutes, and a person on the team checks it before your cover starts.