Employee Benefits

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Based on the particularities of each insured, we develop activities that aim to maximise benefits and obtain the best cost-coverage ratio.

Smart Administration

- Policyholder Flow Management System: Admissions, Terminations, Retroactivity Control.
- Contributorship Report: Individuals, Companies
- Simulation and Validation of Insurance Company Collections.
- Medical Claims Workflow
- Connectivity with Applications

Insurance Programme Design and Management

- Tailored to the needs of our Clients (Taylor Made)
- Population Data Collection
- Segmentation according to socio-economic and geographical factors.


- Work in First Layer or Provisional System.
- Analysis of effective bonuses.
- Collective Programmes Tenders
- Realisation of Health Fairs
- Wellness: Models and Trends

Periodic Reporting

- Delivery of monthly reports on the Management of the Programmes Administered.
- Claims
- Distribution, Providers, Measurement Systems
- Monthly Determination of Spending Limits (Stop Loss)

Talk to an employee benefits specialist today

Call us on  +56 2 24 29 4410  or drop us a quick message and we'll get back to you asap


Contact - Carlo Caiani
Tel No - 56 (9) 77599739

Contact - Juan Antonio Sánchez
Tel No - 56 (9) 65879482

Contact - Alejandro Guajardo
Tel No - 56 (9) 54076238

Contact - Fernando Olavarria
Tel No - 56 (9) 33656999

Contact - Roberto López
Tel No - 56 (9) 4934 1105

Contact - José Escudero
Tel No - 56 (9)74440208

Contact - Bernardita Laso
Tel No - 56 (9) 97011978

Contact - Miguel Anselmi
Tel No - 56 (9) 5444 9361

Contact - Victoria Jaramillo
Tel No - 56 (9) 52158022

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For employees, what does good look like?

Popular benefits that show your business is committed to employee wellbeing. 

Private medical: the best care, no questions asked 

We cover your staff’s medical expenses if they ever need to visit or stay in the hospital, have surgery or outpatient treatment, dental work, or maternity expenses.

Because you don’t want to exclude any of your people, we have schemes that happily cover pre-existing conditions. That way, you don’t have to ask awkward questions and your talent is covered from day one.  

Pensions: optimised performance, low maintenance  

With an increased life expectancy and an ageing population, the number of workers who retire will continue to increase over the coming decades. Offering your employees the chance to pay into a pension scheme will help them prepare for retirement – however old they are now. 

We know that financial education can be the difference between a comfortable older age and a difficult retirement. That’s why we offer targeted workshops to clients’ employees of all ages. 

Life insurance

This cover provides a lump sum pay-out to an employee’s family if the employee passes away while they are working for you.

Income protection  

Income protection insurance usually pays out to the employer, who in turn pays their employee when they are off work with a long term illness or disability. 

It works this way so that the employer can handle the tax obligations and pension contributions, as they normally would. Income protection pays their salary for a pre-defined period, another customisable element of the programme – recommended lengths vary from industry to industry.

Temporary or permanent disablement insurance 

If your employee suffers a temporary or permanent disability, their focus needs be on recuperating, and that alone. Disablement insurance provides a cash lump sum to alleviate worries about financial commitments while recuperating. 

Personal accident insurance

Personal accident insurance offers support in the face of the unexpected. If your employee is injured through an accident, they will be protected against loss of income and medical expenses.

Lifestyle benefits 

Other benefits can help employees live a healthy relaxed lifestyle. Some popular options include:

  • Discounted health screenings 
  • Virtual GP 
  • Optical benefits 
  • Retail therapy discounts  
  • Discounted gym memberships
  • Financial counselling helplines

This element of cover is infinitely tailorable. 

International employee benefits for ex-pats 

Compliance requirements are different all around the world – as are the insurance markets. Getting the arrangements right takes global know-how. 

Howden is a truly global business with offices and trusted partners in over 90 countries, we’ll equip your programme to deliver results wherever in the world your people work.

Want to give your people more, without paying more?

Here's how we create comprehensive bespoke employee benefits insurance programmes at a sustainable, competitive price...

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Intensive review of your programme

Do people use their benefits? Does the business see a positive effect? Could you get better value another way?

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Never cutting corners, always buying smart

We aim for more peace, for less premium. We'd hate to do a deal that's cheap but with nasty surprises built in.

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Claims analytics solving business problems

Help you introduce initiatives to improve the health of your workforce and reduce the root causes of claims.

How Howden helps to design employee benefits insurance programmes

Review your employee benefits insurance programme

What would a thorough analysis of your employee benefits insurance programme reveal? Do people use them? Does the business see a positive effect? Is it worth revisiting the offering to see if you could get better value another way? 

More peace, less premium

Want your people to have greater peace of mind? Don’t want to pay more for it? We can work out comprehensive bespoke employee benefits insurance programmes at a sustainable competitive price.

The emphasis is always on quality rather than price – never cutting corners, always buying smart. The last thing we’d want to do a deal that’s cheap but has nasty surprises for your people when they try to claim.

Using claims analytics to solve business problems

We can help you introduce initiatives to improve the health of your workforce and reduce the root causes of claims. For example, deep claims analytics could reveal a lot of your claims relate back to stress. We can help you review the situation and find solutions, helping cut unnecessary stress to improve productivity and wellbeing at the same time.    

Speak to us about how other companies are using these insights. 

Communications support – if employees don’t know, then there’s no benefit

Is your team communicating the benefits offering well? In terms of attracting and retaining staff, communication is crucial – and frequently overlooked.

You cannot simply buy the employee benefits insurance and assume your work is done. 

We are happy to run workshops and provide bespoke handbooks, even training your recruiters and hiring managers to ‘sell’ your company to prospective employees. 

Who provides the cover?

All successful employee benefits arrangements are unique. When we have decided on the elements of cover, we take them to market and secure the best price for your exact needs.

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Got a question? We're always happy to help

We’re approachable, insightful and won’t dive in to
the hard sell