This benefits employees and some of the benefits include; Ambulance costs, Doctor’s visits,Maternity benefits,Intensive care expenses,Diagnostic x-ray and laboratory expenses,Surgical expenses .

Individual Medical covers medical expenses both inpatient and outpatient which arise out of illness. It does not cover for loss of life.

This is a type of defined contribution pension which some employers offer to their workers, which is later converted into retirement money.

This is usually set up by an individual to make contributions on his/her own behalf towards saving for retirement.