Medical Top-Up and Portable Benefits

Supporting long-term health and financial peace of mind

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Are your people covered beyond retirement?

Most employees assume their current medical benefits will carry them through retirement — but that’s rarely the case.

Younger team members might not spot the gaps in their coverage until it’s too late. Older employees often find it harder to secure extra protection due to age or pre-existing conditions. Either way, the result is the same: unexpected medical bills and unnecessary financial stress.

Offering medical top-up and portable benefits shows you care — not just about your people’s working life, but their future too.

Why this matters

Aging population. Rising costs. Growing risks. Smart employers are already planning ahead. Here’s why providing post-retirement medical benefits is a powerful move:

Chronic conditions become more common with age. Comprehensive coverage ensures access to the treatment and care your people need — when they need it most.

Healthcare costs are only heading one way. Robust coverage helps protect your people from financial strain down the line.

From advanced diagnostics to specialist consultations, retirees often need more complex care. The right plan removes financial barriers.

Nursing homes, home assistance, recovery programmes — this kind of support isn’t optional. With the right benefits, it’s covered.

Nobody should have to choose between healthcare and a comfortable retirement. This is about dignity, peace of mind, and smart financial planning.

Smiling older Malaysian couple walking hand-in-hand along a coastal path, representing health and wellbeing in retirement

Expert guidance. Tailored to your workforce.

If you’re considering portable or top-up medical benefits, we’re here to make it simple.

Our consultants know the local and global landscape inside out. We’ll help you assess your current benefits, identify any shortfalls, and design a sustainable solution that works for your people — and your bottom line.

We work independently and bring market-wide insight, so you’ll always get unbiased advice built around your goals.

Because at Howden, we don’t just protect businesses. We look after people.

We’re here to help

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