Why this exists
Recruiting and retaining good people is harder than it was, and benefits are one of the few levers that cost less than a salary increase and are valued more.
What it covers
- Group health cover through an HMO
- Group life, typically a multiple of salary
- Group personal accident
- Optional extension to dependants
What it does not
- Pre-existing conditions during initial waiting periods
- Treatment outside the provider network
- Dependants, unless specifically added
Exclusions vary between insurers and wordings. These are the ones we see most often — yours should be read individually.
Who it is usually right for
- Employers building a benefits package
- Businesses with staff in the field or on sites
- Organisations where staff turnover is a real cost
Terms worth knowing
We do not sell this policy to you.
We compare it across insurers, tell you whether you actually need it, and stand with you if you ever have to claim on it. Start with a conversation, not a quote.