Employee Benefits

With the economy booming and more growth expected, the future is looking bright for business in Indonesia. But the demand for qualified workers is outstripping the supply, and attracting and retaining great talent is becoming ever-more difficult. 

A well-thought-out benefits offering can show your employees that you value them, and help keep them in the family.

Employee benefits is one of the most tailorable offerings in insurance. Our experts work with you to evaluate your existing offering, analysing usage patterns and premium costs to understand your company's requirements. We then design a bespoke offering with no waste or undue complications, that makes sense for your people and your business alike.

Everything we do for you and your employees is powered by:
 

1. High-impact analytics and ongoing consultancy 

Some insurances you may never claim against. With employee benefits, most clients claim a lot. Which means significant negotiation with insurers, ongoing policy optimisation and risk management education, both inside your business and in the insurance markets. We handle all that for you.

2. Proactive risk management and education 

Naturally, you’ll be wanting to do everything in your power to prevent premium price rises. We help by educating your staff on a range of subjects that can keep those premiums down; from healthy lifestyles to financial wellbeing courses and much more.

3. Prompt payment of claims

We have the greatest respect for your employees. We know that claims are for the personal, real-life situations that are among the most stressful your employees will encounter. So we only work with insurers who feel the same way, getting the support directly where it’s needed, fast.
 

What does good look like? 

Medical insurance 

We cover your staff’s medical expenses if they ever need to visit or stay in 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

With an increased life expectancy and an aging population, the number of workers who retire will continue to increase over the coming decades. But experts believe that minimum MPF contributions will be insufficient to meet most workers' retirement needs, and very few people save more than this. Offering your employees the chance to pay into a private pension scheme will help them better 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.

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 
• Vaccination programmes
• Virtual GP 
• Discounted gym memberships
• Dietician consultations
• Second option consultations

This element of cover is infinitely tailorable. 

International employee benefits for expats 

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. 
 

How to claim

Initiating the claims process depends on your cover.

Private medical / health insurance 

For medical claims, clients generally go direct to the insurer.  Howden will step in and advocate in the event of any problems. 

Life insurance, personal accident, critical illness

We advise you contact Howden directly with claims in these areas.

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 assist with internal communications, helping draft memos to ensure that your staff understand the benefits they are entitled to. We are also happy to run workshops at your workplace and provide bespoke handbooks, even training your recruiters and hiring managers to ‘sell’ your company to prospective employees. 

Ongoing support

Employee Benefits isn't the kind of policy that you buy and then forget about. As your staff make the most of their benefits, regular communication with the insurer will be necessary. As a Howden client, you will have at least two designated account handlers from our expert team, who will be available to offer you support, advice, and representation throughout your policy duration. We offer:

Administration of premium billing and supporting member list

We will ensure the accuracy of the premium calculation before sending over to you for settlement. 

Administration of claims documents

We will pre-screen claims documents before they are submitted to the insurance company, to ensure that they contain all data necessary to process the claim. 

Setting dispute claims

As your consultant and broker, we represent you and your staff on issues arising throughout the policy term - for example, claim settlements and staff enquiries. Our ultimate aim is to secure the best interests of your Company and to ensure the members’ interests are well protected.