Risk & Healthcare Benefits

Risk and Healthcare benefits form an essential part of an employee benefits package and it is important that these remain relevant, valued and cost effective.

We look to work with our clients to regularly review the appropriateness of the risk and healthcare schemes that they have in place.  Market trends and new developments can mean that policies can become less beneficial and valued if they are not kept up to date. 

We are able to source the most appropriate and competitive terms and conditions for you based on your requirements, as well as making sure that you are able to access any added value benefits and helping you communicate these to your staff.

Find out why you should review your Risk, Healthcare and Flexible Benefits:

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Where we can support you:

Group Risk Benefits include policies such as Group Life, Dependants’ Pension, Group Income Protection, and Critical Illness.  Typically these benefits are reviewed from a pricing perspective every two years and we look to test the competitiveness of the existing insurer as well as review the scheme design for continued appropriateness.  In addition, we work closely with our clients in the unfortunate event that a claim needs to be made, to help guide them through the process and ensure that the insurer processes the claim in a prompt manner.

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Healthcare benefits include policies such as Private Medical Insurance, International Private Medical Insurance, Cash Plans, and Dental insurance.  In recent years the market has seen a number of developments which potentially help maintain the longer term sustainability of some schemes as well as offer a cost effective offering to employers who would like to extend coverage to a wider number of employees.  We are able to help you navigate through these options as well as analyse your claims experience to provide appropriate and cost effective solutions.

For further information on Risk & Healthcare benefits, please contact:

Wellbeing is a wide reaching term but in this context typically includes Employee Assistance Programmes, health assessments, wellbeing workshops and online programmes.  We are able to work with you to design a programme that can help deliver your wellbeing strategy, understand the real underlying health issues in your population and ensure that your other risk and healthcare policies are working together in a co-ordinated manner.

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Having the right scheme design is essential to ensuring that you get the maximum value from you policies.  Many of our new clients have not reviewed their scheme design for a number of years and are not aware of the options that are available.  We aim to ensure that our clients are up to date with market trends and developments and that they understand what is happening in their schemes from a claims and pricing perspective through our management reports.

For further information on Risk & Healthcare benefits, please contact: