Group Medical insurance

Medical cover for employees

Health insurance provides access to top-quality medical care when your employees are sick or injured. Important to all companies who wish to promote wellbeing and attract talent, health insurance is a vital component of your employee benefits programme. 

Buying group insurance policies and getting the full benefit are two different things: Howden consultants can help you offer more value to your people, without paying more. Our expertise, footprint in the market and solid relationships with insurers means we can arrange tailored people strategies that fit your needs precisely. 

We take the time to understand the nuances of your business upfront, design benefits and wellbeing initiatives to support your business objectives - and use analytics to make sure they deliver continued value.  

Policy highlights

No stringent underwriting requirements 

Helping you avoid too many awkward questions before you can hire talent.

Extensive network of doctors, hospitals and dentists

Through our partners, we can give cashless access to accredited facilities all over the country. 

Insurance liaison officers in hospitals

At the bigger hospitals, we have people on-site to help you get the care quickly and efficiently.  

Tech-driven efficiency 

We can offer various tech-enabled options to make your people’s lives easier. 

Online portals and mobile apps

We help simplify the process of getting medical help, providing technology to make it easy.

Our medical app, Smartie, analyses the usage habits and health profile of each of your employees – how often they seek medical help, the type of treatment they receive, how much they pay, and more. It then recommends nearby alternative providers that offer the same services for less money – or even for free. To find out more, get in touch. 

Telemedicine service

Get medical attention from the comfort of your home. 

Claims support with our own in-house claims department 

Expediting claims in a huge part of the broker’s role: we build in speedy claims resolution from the design phase, to save time and stress when it matters most. 

Utilisation analysis – to keep your benefits useful and used

As well as providing care, we conduct research and analysis into your staff’s use of the benefits. By studying trends around the take-up and usage of benefits, we can help fine-tune your package – and improve the wellbeing of your team.

Communicating your offering

As with all employee benefits policies, buying wellbeing and not communicating properly, is wasteful. We are on hand to assist and help you maximise the benefit.  

Helping HR save time and minimising admin 

We become an additional resource you can count on – we make sure enrolment and document processing is not a burden to you

We conduct policy reviews, monitor renewals, and facilitate enrolment, deletion and billings. 

Benchmark against your competition 

Compare your offering against other companies within your industry. 

Our own contact center

We’re ready to take calls and support 24/7.