Group Medical insurance

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.

Policy Highlights
 

Covers pre-existing conditions with no stringent medical underwriting requirements

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

Extensive network of doctors, hospitals and dentists

We provide 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

Find your nearest accredited facility, and avoid queues by getting Letters of Authorization in advance. 

Telemedicine service

Get medical attention from the comfort of your home. 

Save stress at the hospital with microchip technology

No more stressful time put on hold at the hospital, get automatic approval simply by tapping your card.

The microchip cards have three key functions: 

• Health scheme membership card, for fast access to medical care

• Cash card, where reimbursements are loaded onto the card and it can be used for purchases anywhere that takes VISA, Mastercard or Europay
• Access privileges and preferential deals with restaurants, wellness centers, gym memberships, hotel and accommodation, etc.

Premium refunds

The better Group Medical policies offer a premium refund if you meet a certain utilisation ratio (going a specified amount of time without a claim). 

Swift claims settlement 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 use doctors to 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.