Group Medical Insurance (HMO)

Comprehensive healthcare protection that keeps your employees healthy, supported, and ready to perform at their best.

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Group medical insurance or, locally known as HMO, is a valuable employee benefit that provides fast, convenient access to high-quality private healthcare. It supports your employee’s physical and mental wellbeing, reduces absenteeism, and strengthens your ability to attract and retain top talent.

Whether you're covering your entire workforce or specific employee groups, this benefit can also extend to immediate dependents—either fully funded or on a voluntary basis.

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What’s included

Comprehensive medical coverage

Includes consultations, diagnostics, specialist treatments, surgeries, hospital stays, and more.

Mental health support

Many policies offer quick, discreet access to mental health professionals and services.

24/ 7 Teleconsultation*

24/7 telemedicine options allow employees to consult doctors from the comfort of home.

Annual medical physical examination / executive check-up

Early detection saves lives. Annual check-ups help identify potential health issues before they become serious.

Clinic management services

Need help setting up occupational health services? We offer support in establishing and managing on-site clinics tailored to your workforce.

Covers pre-existing conditions

No stringent medical underwriting requirements, making onboarding seamless.

Extensive provider network

Access to a wide network of accredited doctors, hospitals, and dentists nationwide.

On-site insurance liaison officers*

Available at major hospitals to assist with claims and ensure smooth care coordination.

* Availability may vary depending on your account arrangements.

Tech-enabled convenience

Mobile Apps & Online Portals

Locate facilities, book appointments, and access Letters of Authorization in advance.

Microchip health cards

Tap-and-go access to care, automatic approvals, and even cash reimbursements—loaded directly onto the card, usable anywhere VISA, Mastercard, or Europay is accepted.

Exclusive perks

Enjoy access privileges and discounts at wellness centers, gyms, restaurants, hotels, and more.

Benefits for Your Business

  • Promotes a culture of care
    Shows your commitment to employee wellbeing and health.
  • Reduces absenteeism
    Faster treatment means quicker recovery and return to work.
  • Boosts productivity
    Healthy employees are more focused, engaged, and efficient.
  • Enhances Recruitment & Retention
    Nurtures loyalty and attracts top talent.
  • Tax-Efficient
    Premiums are typically treated as a legitimate business expense.

Benefits for Your Employees

  • Fast, flexible access to healthcare
    Avoid long wait times and schedule treatments around personal and professional commitments.
  • Peace of mind
    Access healthcare advice and treatment without the stress of long waiting times
  • Holistic support
    From physical health to mental wellbeing, employees receive comprehensive care.

Expert guidance, tailored to your business

Choosing the right Group Medical Insurance policy or HMO program is just as important as offering one. Our team of experienced consultants works closely with you to design a healthcare strategy that aligns with your workforce needs, business goals, and budget.

Whether you're exploring HMO coverage for the first time or optimizing an existing plan, we provide independent, impartial advice tailored to your unique circumstances. We go beyond price and policy terms to ensure the chosen solution truly supports your employees’ wellbeing.

With deep market knowledge and strong relationships with leading insurers, we help you unlock greater value—often without increasing costs. From plan selection to implementation, our experts are with you every step of the way, ensuring confidence in every decision.

Your employees’ health is our priority, and we’re committed to helping you build a benefits program that reflects care, foresight, and strategic value.

Talk to a Benefits Expert

Find out how the right HMO can elevate your employee wellbeing strategy.

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