Close the Gap

Accidents lead to extra expenses normally not covered by a traditional group benefits plan, such as:

  • Day care expenses
  • Education and retraining expenses
  • Spousal educational/training expenses
  • Home and vehicle modifications
  • Workplace modifications and accommodations
  • Funeral expenses
  • Rehabilitation expenses
  • Physical therapy expenses
  • Parental care benefits



UNIGAP is a special program that covers injuries sustained by active full-time or part-time employees or contract staff 24 hours / 365 days a year, either off-work or while participating in a work assignment . Staff , volunteers and students participating in specific activities of the policyholder can also be covered under a separate class.



UNIGAP provides coverage for:

  • Accidental Death, Dismemberment and Specific Loss Indemnity
  • Permanent Total Disability
  • Accidental Medical Expenses
  • Weekly Accident Indemnity to cover the portion of income not covered by a group plan's disability benefits
  • Exposure and Disappearance
  • Family transportation expenses
  • Repatriation
  • Additional benefits for expenses mentioned above


Premiums are billed monthly based on the list of persons reported, and the rates are applied for each enrollment class
Aggregate Limit
An aggregate limit applies per any one accident