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Howden has offices in 30 countries and a network of partners in more than 60 locations. Whether you’re a multinational looking for a broker that’s truly global, or a smaller business looking to insure your local needs, we can help you.
A well-thought-out benefits offering can show your employees that you value them, and help keep them in the family.
Employee benefits is one of the most tailorable offerings in insurance. Howden consultants help you design a programme with no waste or undue complications, that makes sense to employees and business leaders alike – for the long term.
1. High-impact analytics and ongoing consultancy
Some insurances you may never claim against. With employee benefits, most clients claim a lot. Which means significant negotiation with insurers, ongoing policy optimisation and risk management education, both inside your business and in the insurance markets. We handle all that for you.
2. Proactive risk management and education
Naturally, you’ll be wanting to do everything in your power to prevent premium price rises. We help by educating your staff on a range of subjects that can keep those premiums down; from healthy lifestyles to financial wellbeing courses and much more.
3. Prompt payment of claims
We have the greatest respect for your employees. We know that claims are for the personal, real-life situations that are among the most stressful your employees will encounter. So we only work with insurers who feel the same way, getting the support directly where it’s needed, fast.
We cover your staff’s medical expenses if they ever need to visit or stay in the hospital, have surgery or outpatient treatment, dental work, or maternity expenses.
Because you don’t want to exclude any of your people, we have schemes that happily cover pre-existing conditions. That way, you don’t have to ask awkward questions and your talent is covered from day one.
With an increased life expectancy and an ageing population, the number of workers who retire will continue to increase over the coming decades. But only a small proportion of workers in Turkey are currently saving for retirement. Offering your employees the chance to pay into a pension scheme will help them prepare for retirement – however old they are now.
We know that financial education can be the difference between a comfortable older age and a difficult retirement. That’s why we offer targeted workshops to clients’ employees of all ages.
This cover provides a lump sum pay-out to an employee’s family if the employee passes away while they are working for you.
Income protection insurance usually pays out to the employer, who in turn pays their employee when they are off work with a long term illness or disability.
It works this way so that the employer can handle the tax obligations and pension contributions, as they normally would. Income protection pays their salary for a pre-defined period, another customisable element of the programme – recommended lengths vary from industry to industry.
If your employee suffers a temporary or permanent disability, their focus needs be on recuperating, and that alone. Disablement insurance provides a cash lump sum to alleviate worries about financial commitments while recuperating.
Personal accident insurance offers support in the face of the unexpected. If your employee is injured through an accident, they will be protected against loss of income and medical expenses.
Other benefits can help employees live a healthy relaxed lifestyle. Some popular options include:
This element of cover is infinitely tailorable.
Compliance requirements are different all around the world – as are the insurance markets. Getting the arrangements right takes global know-how.
Howden is a truly global business with offices and trusted partners in over 90 countries, we’ll equip your programme to deliver results wherever in the world your people work.
Invest in their wellbeing at work and at home to attract and keep the talent your business needs.
Initiating the claims process depends on your cover.
For medical claims, clients generally go direct to the insurer. Howden will step in and advocate in the event of any problems.
We advise you contact Howden directly with claims in these areas.
All successful employee benefits arrangements are unique. When we have decided on the elements of cover, we take them to market and secure the best price for your exact needs.
Comprehensive bespoke employee benefits insurance programmes at a sustainable competitive price
Do people use their benefits? Does the business see a positive effect? Could you get better value another way?
We aim for more peace, for less premium. We'd hate to do a deal that's cheap but with nasty surprises built in.
Help you introduce initiatives to improve the health of your workforce and reduce the root causes of claims.
What would a thorough analysis of your employee benefits insurance programme reveal? Do people use them? Does the business see a positive effect? Is it worth revisiting the offering to see if you could get better value another way?
Want your people to have greater peace of mind? Don’t want to pay more for it? We can work out comprehensive bespoke employee benefits insurance programmes at a sustainable competitive price.
The emphasis is always on quality rather than price – never cutting corners, always buying smart. The last thing we’d want to do a deal that’s cheap but has nasty surprises for your people when they try to claim.
We can help you introduce initiatives to improve the health of your workforce and reduce the root causes of claims. For example, deep claims analytics could reveal a lot of your claims relate back to stress. We can help you review the situation and find solutions, helping cut unnecessary stress to improve productivity and wellbeing at the same time.
Speak to us about how other companies are using these insights.
Is your team communicating the benefits offering well? In terms of attracting and retaining staff, communication is crucial – and frequently overlooked.
You cannot simply buy the employee benefits insurance and assume your work is done.
We are happy to run workshops and provide bespoke handbooks, even training your recruiters and hiring managers to ‘sell’ your company to prospective employees.