Papua New Guinea
Explore personal, business, life, and medical insurance products designed to help individuals, families, employers, and organisations protect what matters most.
Whether you are protecting your home, your vehicle, your travels, or your business operations, our general insurance solutions are designed to reduce financial stress and help you recover when things go wrong.
Everyday cover for homes, vehicles, travel, and personal protection.
If the worst happens, this cover helps you rebuild, repair, and move forward with greater confidence.
Your vehicle is more than transport. It is part of your family’s security and your daily routine.
Stay afloat with confidence through cover designed for pleasurecraft loss or damage.
Travel with confidence wherever life takes you with cover designed to reduce financial and emotional stress while away from home.
Flexible accident cover designed to support you and your family when injury, disability, or death causes unexpected hardship.
Commercial cover for property, projects, vehicles, marine risks, liabilities, and specialist exposures.
Protect business premises, stock, equipment, and insured assets so operations can recover faster after an insured event.
Engineering cover helps protect contractors, plant, machinery, and works exposed to operational and project risks.
Marine cover helps protect goods in transit, vessels, and marine liabilities associated with operating on the water.
Keep your business moving with cover for commercial vehicles used in daily operations.
Protect your business against liability, compensation, professional advice risks, and other financial exposures arising from accidents, negligence, or management decisions.
Additional covers are available for equipment, cash, burglary-related losses, and packaged business risks.
Common questions about general insurance in Papua New Guinea.
Insurance is a contract between you and an insurer. You pay a premium in exchange for financial protection against risks or losses covered by the policy.
Insurance helps protect your finances, assets, and family from the cost of unexpected events such as accidents, property loss, illness, or natural disasters.
The Papua New Guinea product range on this page includes home, motor, marine pleasurecraft, travel, personal accident, business, life, and medical insurance solutions.
A premium is the amount you pay to keep your insurance policy active.
Premiums are usually paid monthly, quarterly, or annually depending on the product and policy terms.
A deductible is the amount you agree to pay yourself when making a claim before the insurer pays the remaining covered amount, subject to policy terms.
Contact the insurer or your broker for guidance. The claims team will advise what documents and information are required for the claim.
Yes. Many customers hold more than one policy to protect different parts of their personal and business life.
Premiums may be affected by factors such as age, claims history, property value, vehicle type, occupation, travel details, location, and the level of cover selected.
Choose the cover you need, speak with your broker or insurer, provide the required information, review the policy terms, and pay the premium once cover is approved.
Life insurance products help provide financial security for employees and families when they need it most. These covers are designed to reduce the burden caused by death, disability, funeral costs, or unpaid debt.
Protection that helps families, employees, and dependants stay financially supported when life changes unexpectedly.
Protecting your life so your family can keep living theirs. Group Term Life provides financial support to your chosen beneficiaries if you pass away.
Provides fast financial support for funeral and related costs, helping reduce the immediate burden on loved ones.
Loan Protection helps settle or reduce an outstanding loan if the insured person passes away, helping protect the family from unpaid debt.
Mortgage Protection helps reduce or pay off an outstanding home loan if the insured person passes away, helping loved ones remain financially secure.
Common questions about life insurance in Papua New Guinea.
Group Term Life is insurance commonly provided through an employer that pays a lump sum benefit to chosen beneficiaries if the insured person passes away, subject to policy terms.
It allows the insured person to access part or all of the life cover benefit early if they become totally and permanently disabled, subject to the policy wording.
Payment is generally made as quickly as possible once all required claim documents are received and accepted, in line with the policy process.
Group life insurance commonly pays a lump sum benefit when the insured person passes away. Any deductible or excess depends on the specific policy wording.
Loan Protection helps settle or reduce an outstanding loan balance if the insured person passes away, subject to policy terms and claim approval.
Mortgage Protection helps pay off or reduce a home loan if the insured person passes away, helping dependants maintain financial stability, subject to policy terms.
Each product serves a different purpose. One may support long-term family security, another may help with immediate funeral costs, while others help manage debt obligations.
Group Term Life and Group Funeral Benefit are generally paid to beneficiaries. Loan Protection and Mortgage Protection are generally paid to the lender or loan provider, depending on the policy terms.
Cover usually starts once the application or enrolment is approved, the policy is accepted, and any required payment conditions are met.
Contact the insurer, broker, or relevant plan administrator for guidance on the claim process and required supporting documents.
Medical insurance helps employees and their families access essential healthcare services while reducing the financial pressure of routine and unexpected medical costs.
Healthcare-focused protection designed to support access to treatment, hospital care, and day-to-day medical needs.
Medical cover that helps employees and their families get the care they need when they need it.
Common questions about medical insurance in Papua New Guinea.
Medical insurance is a plan that helps pay for healthcare costs such as hospital stays, doctor visits, and medicines, depending on the cover selected.
It helps protect you from large medical bills and gives peace of mind if you become sick or injured.
Group Medical helps with certain medical expenses such as consultations, hospitalisation, and treatment costs, depending on the employer-selected plan and policy terms.
Pre-existing conditions may be covered subject to policy terms, waiting periods, and underwriting rules. The specific plan wording should always be checked.
Cover often applies through listed service providers. At other hospitals or clinics, you may need to pay first and then seek reimbursement, depending on the plan terms.
A deductible is the amount you agree to pay out of pocket when making a claim before the insurer covers the remaining eligible amount.
Contact the insurer or your scheme administrator for assistance. They will explain the required claim steps, forms, and supporting documents.
