Does Horizons offer Life Insurance?

Yes, Horizons offers life insurance through the SafetyWing Life add-on, an optional benefit that companies can add to their SafetyWing Health plans to provide extra financial protection for their employees.


How Does the SafetyWing Life Add-On Work?

  • The Life add-on is available for primary policyholders aged 25 to 55 who are enrolled in a SafetyWing Health plan.

  • It functions as an additional plan option—for example, Standard + Life—and must be selected at the employee’s start date.

  • Once enrolled, the Life add-on cannot be added or removed during the policy year.

  • For about $11 extra per month, this add-on offers meaningful financial support to employees’ families during difficult times.

  • The life coverage provides a one-time lump sum payout of up to $50,000 to a beneficiary in the event of the employee’s death or a life-altering injury.

  • Life-altering injuries include the loss of limbs or sight, with the payout amount depending on the injury (see table below).

  • Unlike many life insurance policies, SafetyWing’s Life add-on covers members worldwide, following them across countries regardless of where they live or travel.


Important Notes

  • If a company chooses to offer the Life add-on to any employee, it must be added for all employees under that company’s policy for compliance reasons.

  • Dependents are not eligible to have their own Life policies but can be named as beneficiaries.

  • No paperwork, medical underwriting, or in-person assessments are required.

  • Claims are processed digitally, simply contact the SafetyWing team via chat for support.


Injury and Payout Details

Type of InjuryPercentage of Benefit Paid
Loss of both hands100%
Loss of both feet100%
Loss of one hand and one foot100%
Loss of entire sight of both eyes100%
Loss of one hand and entire sight of one eye100%
Loss of one foot and entire sight of one eye100%
Loss of entire sight of one eye50%
Loss of one hand or one foot50%

If you have further questions about the SafetyWing Life add-on or want to learn how to add it to your company’s plan, please contact your Horizons representative for assistance.

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