HEXA Corretora de Seguros
Workers' Compensation Insurance · Angola

Workers' Compensation Insurance in Angola — legal obligation, professional management

Mandatory policy under the General Labour Law for any company with employees in Angola. HEXA structures, contracts and manages your Workers' Compensation policy — from initial enrolment to claims management.

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For whom it is mandatory

Recognise yourself in any of these scenarios? This insurance was designed for you.

All companies with employees (permanent, fixed-term, casual)

Companies with interns, trainees or contracted apprentices

Companies hiring exclusive-basis service providers

Public and private sector companies, regardless of size

What it covers

What the policy covers

The policy transfers to the insurer the employer's financial responsibilities provided for in the General Labour Law:

Medical, pharmaceutical and hospital assistance for the injured worker

Temporary disability compensation — salary maintenance during absence

Partial or absolute permanent disability compensation

Pensions to beneficiaries in case of worker death

Transport and funeral expenses

Procedural and administrative expenses associated with the claim

Rehabilitation and professional reintegration of the injured worker

Process

How HEXA structures the policy

1

Workforce assessment — number of employees, professional categories and payroll

2

Comparison — proposals from the main insurers authorised in Workers' Compensation

3

Recommendation — technical analysis of premiums, capital and deductibles

4

Implementation — issuance, communication to employees and ongoing claims management

The HEXA difference

Why HEXA

Audited compliance — policy strictly compliant with the General Labour Law

Dedicated claims management — single point of contact for employer and worker

Annual renewal with payroll review and renegotiation of terms

Technical support in complex cases (permanent disability, death, occupational diseases)

Frequently asked questions

Workers' Compensation Insurance in Angola — your questions

Is Workers' Compensation insurance mandatory in Angola?
Yes. The General Labour Law of the Republic of Angola requires all employing entities to contract insurance covering workplace accidents of their employees. The absence of this policy constitutes an infraction, with administrative sanctions and direct liability of the employer in case of loss.
How is the Workers' Compensation premium calculated?
The premium is calculated based on the annual payroll and the professional category of each employee (which defines the risk level). Sectors such as construction, transport and industry have higher rates than administrative activities. HEXA always presents comparative proposals from several insurers.
What does the company do in case of a workplace accident?
It must ensure immediate medical assistance, report the accident to the insurer within the legal deadline (usually 24h) and contact HEXA. Our team handles the report to the insurer, medical follow-up and management of any compensation, relieving the HR department.
Does the policy cover workers travelling outside the office?
Yes. Coverage applies throughout the working day — including business trips, training outside the premises and, under certain conditions, the home-work commute (commuting accidents). HEXA confirms the exact extent of each policy.
Can I transfer the current policy to HEXA's management?
Yes. Transferring the management of an already contracted policy is simple — just a formal authorisation to the insurer. No additional cost and no change in conditions. HEXA then takes over as the company's single point of contact.

Technical assessment of the policy

We present a comparative analysis of the current policy and proposals from the main insurers operating in Angola.

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