Contact Us

HOW CAN YOU REACH US?

Should you desire to inquire about our range of products, initiate a new policy, renew an existing insurance policy, or request alterations to your current policy, we kindly ask that you contact your designated broker or Tied Insurance Intermediary for assistance.

OUR TIED INSURANCE INTERMEDIARY DETAILS

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Jolene Bugeja

White Pearl,Triq Santa Lucija, Santa Lucija

Kercem, Gozo

Monday – Friday:From 16.00 till 19.00
Tuesday: From 08.00 till 11.00
Wednesday: By Appointment
Thursday: From 16.00 till 19.00
Friday and Saturday: By Appointment

Phone: 79284370

Email: bugejajolene@gmail.com

Vanguard Services

43, republic street,Rabat, Gozo

Monday – Friday:From 09.00 till 17.00
Saturday: From 09.30 till 13.00

Phone: 79256904 / 79268313

Email: vanguardservices@gmail.com

Chris Borg

15 Triq San Mikiel San Gwann

Monday – Friday: From 09.00 till 17.00
Saturday: From 08.00 till 12.00

Phone: 99248807/99217803

Email: info@cborgargus.eu

Emika Watanabe Limited

Giacint Tua Street, Gzira

Winter Hours

Monday to Friday: From 09.00 till 13.00 & From 16.00 till 19.00
Saturday: From 09.00 till 12.30

Summer Hours (0.07 to 30.09)

Monday & Wednesday: From 09.00 till 13.00 & From 16.00 till 19.00
Tuesday, Thursday, and Friday: From 09.00 till 14.00 & From 09.00 till 12.30
Saturday:

Phone: 27992106
99490346 / 77992019

Email: insurance@watanabe.com.mt

Daniela Grech

Triq Sir Ugo Mifsud, Ta Xbiex

Monday to Friday: From 08.00 till 16.30
Saturday: By Appointment

Phone: 77006183

Email: info@danielagrech.eu

George Mangion

345, Triq il-Vitorja , Qormi

Monday to Friday: From 08.30 till 12.00 & From 16.00 till 18.00
Saturday: From 08.30 till 12.00

Phone: 99453453

Email: info@gorgmangion.eu

Emika Watanabe Limited

224 Triq Hompesch, Il-Fgura

Winter Hours

Monday to Friday: From 09.00 till 13.00 & From 16.00 till 19.00
Saturday: From 09.00 till 12.30

Summer Hours (0.07 to 30.09)

Monday & Wednesday: From 09.00 till 13.00 & From 16.00 till 19.00
Tuesday, Thursday, and Friday: From 09.00 till 14.00 & From 09.00 till 12.30
Saturday:

Phone: 21826770
79466769 / 79466770

Email: insurance@watanabe.com.mt

Mario Saliba

9, Triq Wied Babu, Zurrieq

Monday to Friday: From 16.00 till 18.00
Saturday: From 08.00 till 12.00

Phone: 79704549

Email: salibamario68@gmail.com

If You are insured through a Broker.

If You are insured through a Broker and You need to make a claim under your Policy or become aware of an incident which may lead to a claim, please contact Your Broker as soon as you can.

The broker collects all necessary information from the client regarding the claim, such as details of the incident, supporting documents, and any other relevant information including policy excess (when applicable).

The broker submits the claim on your behalf to Us, providing all required documentation and information.

We will then assess your claim submitted by the broker, we review the provided documentation, and investigate the circumstances of the claim.

The broker will keep you informed throughout the claims process, providing updates on the progress of the claim, any requests for further information from the insurance company, and the final decision on the claim.

Depending on the outcome of the claim evaluation, We either approve the claim and provides compensation to You or deny the claim if it does not meet the policy terms and conditions. If the claim is approved, You will receive compensation from the Us as per the terms of the policy. If the claim is denied, your broker communicates the reasons for the denial to You.

 

If You are insured through a Tied Insurance Intermediary

If You are insured through a Tied Insurance Intermediary and You need to make a claim under your Policy or become aware of an incident which may lead to a claim, please contact us as soon as you can. Our specialized Claims Department is committed to making the process as smooth and hassle-free as we can for you.

How to Claim

Step 1: Please contact us:

Telephone: +356 23422000

Non-Motor Email: nonmotorclaims@argus.mt

Motor Claims Email:

or visit us at our offices:

 

Trident Park, 8B Level 5,

Notabile Gardens,

Mdina Road,

Central Business District Zone 2,

Birkirkara CBD 2010

Malta

 

Winter Hours

From 16th September to 15th June.

From 8.00am to 4.00pm

 

Summer Hours

From 16th June to 15th September.

From 8.00am to 3.00pm

 

Step 2: The claims handler will talk with you about your claim and confirm your policy coverage. Afterwards, they will describe the next steps and provide you with a claim form if needed.

Step 3: Depending on the nature of the claim, the claims handler will request the required documentation from You to review the claim. A claim form must be submitted to Us in all cases. It is important that the form is filled out and signed by You.

Step 4: Once Your claim has been verified, your settlement and / or benefit will be paid by cheque or via bank transfer.

At Argus Insurance Company (Europe) Limited, we are committed to providing the best possible service. However, we understand there may be times when we do not meet your expectations. We want all our customers to let us know straight away if they are not satisfied with our services.

We always aim to resolve your complaint quickly and efficiently.

We want to:

  • Make it easy for you to tell us about your complaint.

  • Carry out a full investigation.

  • Give your complaint our careful attention.

  • Provide a thorough account of our actions.

  • Make sure you are satisfied we have handled your complaint fairly.

If you need to forward us a complaint, you may:

  • Call us: 356 2342 2000

  • Email us: complaints@argus.mt

  • Write to us:

The Compliance Officer,
Argus Insurance Company (Europe) Limited
Trident Park, 8B Level 5,
Notabile Gardens, Mdina Road,
Central Business District Zone 2,
Birkirkara CBD 2010

  • Form: Complete the Complaints form on our website

We will contact you initially within five working days of receiving your complaint. We will either respond with a full reply or send you an acknowledgement letter, which will tell you:

  • Who is dealing with your complaint; and

  • When we will contact you again

Once we have sent you an acknowledgement letter, we will investigate your complaint fully and write to you with our findings. If your complaint is particularly complex, we may need to spend longer investigating it. In these cases, we will keep you up to date on our progress. In all cases we will respond to your complaint within 8 weeks, in line with the deadline set by the Malta Financial Services Authority.

We try to resolve all complaints internally. However, if you remain unhappy with our response to your complaint, or if we have not resolved it 8 weeks after you first told us about it, you may have the right to refer your complaint to the Office of the Arbitrator for Financial Services. If you want the Office of the Arbitrator to look into your complaint, you must refer it to them within 6 months of the date of our final response to you. You can contact them at:

Office of the Arbiter
for Financial Services
N/S in Regional Road
Msida MSD 1920
Malta
Freephone: 80 072 366
Telephone: (+356) 21 249 245
Email on: complaint.info@financialarbiter.org.mt

Contact Us

Our Location

Address
Trident Park, 8B Level 5,Notabile Gardens, Mdina Road, Central Business District Zone 2, Birkirkara CBD 2010 Malta
OUR CONTACT DETAILS
+356 2342 2000
Hours of Operations
Weekdays Monday - Friday: 9:00am - 5:00pm
Social

To access the Student Mental Health Hotline please dial the appropriate number below.

U.S. and Canada: 1-855-649-8641

Outside U.S. and Canada: 001-416-380-6578

We understand at times that our clients may require assistance for a travel companion when accessing your Argus health benefits. Benefits for a travelling companion are approved in the following circumstances:

  • When the Insured Person is a minor Dependent Child,or has surgery or mental incapacity.

Customer Service Centre:
For routine health claims questions, call 298-0888 to speak with one of our knowledgeable Customer Service Representatives. 

Worldwide Call Centre (if you require treatment overseas):
Before making any arrangements to travel overseas for medical treatment, please call us for pre-approval.From Bermuda, Canada and USA, call 1-800-720-7315 (toll free) or 1-905-532-2954 (collect) or email overseascare@argus.bm. Argus Representatives are available to provide assistance with emergency medical care, emergency medical evacuation, discharge planning, loss of travel documents and insurance verification.

Your spouse (including legally married or common law spouse or legal domestic partner) and children. 

Your child must be an unmarried, natural child, step-child, child of a dependent spouse or a legally adopted child who:

  • is under the age of 19; or
  • is over the age of 19 but under age 26, if the child is in full-time attendance in a recognised school, college or university; or
  • is over the age of 19, and is impaired by reason of mental illness, physical illness or disability or intellectually disabled and unable to meet the requirement for physical health, safety or self-care

In general, your dependents will have the same health insurance benefits as you. Please note:

  • your non-working/unemployed spouse must be insured for full coverage
  • your working spouse may be insured for everything except Health Insurance Act benefits which must be provided by your spouse’s employer
  • your self-employed spouse may be insured for full coverage
  • dependent children may be insured for full benefits although they may be entitled to Bermuda government subsidies for the Health Insurance Act benefits

The Non-Medical Limit (NML) is the guaranteed amount of life insurance that an employee will receive  without requiring medical underwriting. All amounts in excess of this amount are subject to satisfactory medical evidence of insurability. In other words, medical underwriting will be required for all excess amounts of insurance above the NML. NML’s vary by employer and are reviewed every year during renewal.

Medical underwriting is the use of medical or health information to assist in the evaluation of an applicant for coverage and determining the appropriate benefit and premium. Read more detail here.

The medical underwriting department should be advised of a death claim by the employer or the named beneficiary. If you need assistance please contact our Customer Service Team on 298-0888 or at insurance@argus.bm 

Renewals occur for Group Life plans throughout the year. It depends on the anniversary date of the policy (i.e. the original policy effective date). For example, ABC Company insured for Group Life on November 1, 2012. ABC’s policy will renew on November 1st every year thereafter, unless otherwise stated.

An average rate per $1,000 of insurance benefit is calculated for the plan based on the age and gender of insured employees. The average rate is multiplied by the employee’s volume of Insurance divided by $1,000 units of cover. The volume of insurance is determined by the employee’s insured benefit amount and the benefit plan which is either a multiple of salary (e.g. 2 x annual salary) or a flat benefit amount (e.g. $5,000)

The average rate is reviewed annually.

An example of a Group Life Premium calculation would be:
$100,000 (volume) x $0.15 (rate) /$1,000 (units of cover) =$15.00 per month

An example of Group Accidental Death and Dismemberment (AD&D):

$100,000 (volume) x $0.04 (rate)/$1,000 (units of cover) = $4.00 per month.

 

 

Group Underwriters set Short Term Disability Premiums during renewals. A group underwriter will review a group as a whole, factor in claims experience and set the rate based on a pre-determined cost analysis spreadsheet. The Short Term Disability premiums are billed monthly to the policyholder and will appear on the same invoice as their group health.

Short Term Disability plan renewals occur throughout the year and usually renew on the anniversary date of the policy or its original effective date.

Short Term Disability claims should be directed to our Customer Service Team on 298-0888 or at insurance@argus.bm Our Claims Team will advise if the claim is deemed a disability and communicate with the policyholder and employee on the particulars of the case.

Our standard income replacements are 50%, 66.67% and 75% of weekly earnings. Each benefit is subject to an overall weekly maximum, and plan design varies from plan sponsor.

Weekly Benefits will be paid to or on behalf of an Insured Employee if he/she becomes disabled while insured, is totally disabled throughout the Elimination Period, remains disabled beyond the end of the elimination period and submits proof of loss to us.

The Weekly Benefit will not exceed the Insured employee's net weekly benefit, or be paid for longer than the maximum benefit period. Please check with a group underwriter for additional information.

If you are a permanent full-time employee, under 65 years of age less the elimination period, and work a minimum of 20 hours per week at the employer’s usual place of business, you are eligible to join the plan.

Yes, benefits under the policy will not be paid in connection with a disability, resulting directly or indirectly, from a pre-existing condition until an employee has been insured under the policy for at least 12 calendar months.

Workers' Compensation is a wage loss replacement benefit for expenses arising out of an accident or illness that occurs while working for an employer. In other words, job-related injuries and illnesses.

Bermuda has legislated benefits under the Workers’ Compensation Act (1965) together with subsequent amendments that hold employers liable to compensate their employees for loss of income and medical expenses. However, for most industries, insurance is not mandatory and the employer can choose either to self-insure against such expenses or purchase a workers’ compensation policy from an insurer.

All employees, aged 16 or above, of the Employer as defined by the Employment Act of 2000 and subsequent amendments, who are Bermuda residents and work for the Employer in connection with the Employer’s Business.

Eligible classes of employees can include:

  • Part-time employees working less than 15 hours per week for the Employer,
  • Temporary employees working less than three months per year for the Employer,
  • Students working for the Employer on weekends, public holidays and /or vacation periods.

Please note eligible classes of employees can vary from plan to plan. 

There are six components included in our Workers' Compensation Plan in accordance with the Workers’ Compensation Act 1965. Benefits are payable in the event of death, disability or injury resulting from a workplace accident as follows:

 (1) death benefit equal to the deceased employee’s earnings in the past 3 years*

(2) permanent total incapacity benefit equal to the disabled employee’s earnings in the past 4 years*,

(3) permanent partial incapacity benefit equal to a percentage of the amount payable for permanent total incapacity

(4) wage loss replacement for an injured employee who is unable to work in the amount of 2/3 of weekly earnings (or a higher percentage of salary if selected by the employer)

(5) medical expenses in accordance with legislated fees and benefits and

(6) employers’ liability at law is covered .

*or 3 or 4 years, as applicable, of the average annual per capita income as recorded by the Bermuda Government

No. To qualify for Workers’ Compensation benefits an employee must be disabled due to a work-related accident or occupational disease as defined in the Workers' Compensation legislation and unable to work.

The Argus office at 14 Wesley Street is now open to the public 9am to 4pm Monday to Friday. 

We want you to feel secure and comfortable when you visit Argus and we’ve followed the Government’s COVID-19 operations to create an environment that’s safe for all. New practices include, signage to remind and encourage social distancing protocols, the wearing of face masks, hand sanitiser stations and limited opening hours to allow for deep cleaning and sterilisation.

Argus will continue to support your needs online and by telephone. You can reach our Customer Service Centre on (441) 298-0888 between the hours of 8:30 am and 5:00 pm or email insurance@argus.bm for assistance.

We encourage our pensions and health members, corporate clients and personal motor policy holders to register for a Vantage online account to gain access to policy information and a number of self-service tools.

Your Business Interruption policy will not cover you for losses incurred as a result of a pandemic. Business Interruption insurance is designed to protect the insured for losses of business income it sustains as a result of physical loss, damage, or destruction to insured property by a covered peril. Insured perils can be found listed in your policy wording and usually consist of fire, lightning, explosion, hurricane, storm, flood, escape of water, riot, impact and earthquake.

It is important to know what coverage you have before your property is damaged, so you are encouraged to check each year to make sure your property is insured for the cost of replacing it. At the very least, check the value at the start of each hurricane season and, as a last resort and final fail-safe, check again as soon as a storm is declared as a threat to our island.

The replacement cost does not mean the sale cost, as the sale cost includes the land too, but it should include an allowance for demolition, then to remove debris and the cost of a new planning application, in addition to the actual building. In practice this generally adds about 13% of the property value.

Buildings Insurance applies to structures, fixtures and fittings. Contents Insurance applies to items that remain within the home, whereas personal possessions refer to items that are brought outside the home.

The coverage you choose depends on your specific needs. Please contact our Customer Service Centre at 298-0888 to discuss your coverage needs, or send us your contact information in a private message and we’ll reach out to you to further discuss.

Now that it is hurricane season, when is the latest point that I can purchase insurance to cover myself against damages from this year’s hurricanes?

At Argus, we put the interests of our clients first, and existing clients can update their sums insured at any time. We are currently accepting new clients and will continue to do so as long as possible in the face of an incoming storm. We encourage you to purchase your insurance now to ensure your property and belongings are protected, as damage caused within 48 hours of commencing the policy will not be covered for storm-related damage. 

 

It is important to know what coverage you have before your property is damaged, so you are encouraged to check each year to make sure your property is insured for the cost of replacing it. At the very least, check the value at the start of each hurricane season and, as a last resort and final fail-safe, check again as soon as a storm is declared as a threat to our island.

The replacement cost does not mean the sale cost, as the sale cost includes the land too, but it should include an allowance for demolition, then to remove debris and the cost of a new planning application, in addition to the actual building. In practice this generally adds about 13% of the property value.

Buildings Insurance applies to structures, including permanent fixtures and fittings. Contents Insurance includes furniture, furnishings, machinery and other items usual to the Insured’s business.

The coverage you choose depends on your specific needs. Please contact our Customer Service Centre at 298-0888 to discuss your coverage needs, or send us your contact information in a private message and we’ll reach out to you to further discuss.

Now that it is hurricane season, when is the latest point at which I can purchase insurance to cover myself against damages from this year’s hurricanes?

At Argus, we put the interests of our clients first, and existing clients can update their sums insured at any time. We are currently accepting new clients and will continue to do so as long as possible in the face of an incoming storm. We encourage you to purchase your insurance now to ensure your property and belongings are protected, as damage caused within 48 hours of commencing the policy will not be covered for storm-related damage. 

To complete registration you will need your car or bike policy number. You must also provide a jpg of a valid government-issued photo ID such as a passport or driver’s license. click here to register and, after reading the requirements, click ‘Next’.

Fill the form with the requested details and press ‘Next’. Once you have uploaded your ID, agree to the Terms of Service and Privacy Policy and press ‘Submit’.

Once completed, a confirmation will appear onscreen. After your account is verified and approved, you will receive an activation link via email.

You can also register for Argus Vantage to access your Health or Pensions accounts. Simply follow the steps above and provide your Health Certificate Number to manage your Health account or your Social Insurance number to view your Pensions account.

We’re open. Speak to a member of our team at 14 Wesley Street from 9am to 5pm Monday to Friday.

Argus will also continue to support your needs online and by telephone. You can reach our Customer Service Centre on (441) 298-0888 between the hours of 8:30 am and 5:00 pm or email insurance@argus.bm for assistance.

We encourage our pensions and health members, corporate clients and personal home, motor and marine policy holders to register for a Vantage online account to gain access to policy information and a number of self-service tools.

If you require additional assistance, please contact the Argus Customer Service Centre at 298-0888.

Registration is easy. Click “Member Login” under the “Pensions” section. A login page will appear and select “Not Registered”. This will take you to the online registration form. You will need your social insurance number to register. This number can be obtained from your member pension statement, your employer or the Social Insurance Department.

Within one to two business days after completing registration, Argus will send you an email containing your login and password information.

The law allows you to receive your pension either in the form of regular annuity payments for your lifetime or by making withdrawals from your account using a prescribed formula to ensure that you receive payments for life. In either case, provision may be made for payment to a beneficiary upon your death after retirement.

The National Pension Scheme (Occupational Pensions) Act came into existence on January 1, 2000.

An employer must enroll all employees who are either Bermudian or the husband or wife of a Bermudian. Non-Bermudians may be included, excluded, or covered under a separate plan.