Employee benefits for SMEs

Tailored solutions for businesses with 30–250 employees

Smart benefits that grow with your business

When you're running a growing business, your people matter more than ever. Great employee benefits aren’t just about ticking a box—they're a powerful tool for attracting talent, keeping your team engaged, and creating a culture that sticks.

At Howden, we work with Indian SMEs to design benefits strategies that are tailored, compliant, and built around your people. From health cover to life insurance to wellbeing support, we make benefits simple, scalable, and impactful.

Indian business team working together

Why SMEs choose Howden

You want to do more for your people, but you’ve got a business to run. That’s where we come in.

Our specialist consultants:

  • Understand the pressures and priorities of SMEs
  • Cut through the clutter of providers and policies
  • Help you offer benefits your employees actually value
  • Keep your plans cost-effective, compliant, and future-ready

No cookie-cutter benefits

Every SME is different. Your benefits should be too.

From the first conversation, we focus on understanding your company’s culture, growth plans, and what good looks like to you. Then, we:

  • Review your goals – talent, retention, wellbeing, cost
  • Audit the market – to find providers and packages that match
  • Build a plan – measurable, meaningful, and made for your team

What we can help with

  • Group Health Insurance Plans
  • Group Term Life and Critical Illness Cover
  • Flexible Benefits & Voluntary Schemes
  • Mental Health & Wellbeing Programmes
  • Retirement Planning & Provident Fund Support
  • Digital Benefits Platforms and Reporting

We’ll tailor it to your team size, sector, and business maturity.

Indian professionals collaborating during a team planning session

Let’s energise your SME benefits

At Howden, we believe SMEs deserve big-thinking benefits—without the complexity. If you’re ready to invest in your people and set your business up for long-term success, let’s talk. Contact us today and we’ll help you build an employee benefits strategy that works as hard as you do.

Howden is a comprehensive broker. Please email us at [email protected]

Mumbai (head office)

B Wing, 6th Floor, Supreme Business Park,
Hiranandani Gardens, 
Powai, Mumbai – 400076
Tel- +91 (0) 22 6655 8888/00

Please visit our Regional Offices page to see a full list of our presence in India.