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.
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.
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.
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.
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).
The support your people will get is unrivaled.
At Howden, we pride ourselves on our insightful consultancy and aftercare support.
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.
Always on your side…especially in a claim.
Our in-house claims specialists are ready to support, advise and defend your interests.