Employee Benefits

With the economy booming and more growth expected, the future is looking bright for business in Turkey. But the demand for qualified workers is outstripping the supply, and attracting and retaining great talent is becoming ever-more difficult. 

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. 

Everything we do for you and your employees is powered by:

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.

A woman uses her smart phone sitting by the window of a bus

Save up to 50% on Group Health Insurance

Our Smart health insurance works as hard as you do

What does good look like? 

Private medical: the best care, no questions asked 

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.  

Pensions: optimised performance, low maintenance  

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.

Life insurance

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  

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.

Temporary or permanent disablement insurance 

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

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.

Lifestyle benefits 

Other benefits can help employees live a healthy relaxed lifestyle. Some popular options include:

  • Discounted health screenings 
  • Virtual GP 
  • Optical benefits 
  • Retail therapy discounts  
  • Discounted gym memberships
  • Financial counselling helplines

This element of cover is infinitely tailorable. 

International employee benefits for ex-pats 

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. 

Good talent expects more

Invest in their wellbeing at work and at home to attract and keep the talent your business needs.

How to claim

Initiating the claims process depends on your cover.

Private medical / health insurance 

For medical claims, clients generally go direct to the insurer. Howden will step in and advocate in the event of any problems. 

Income protection, critical illness, life insurance

We advise you contact Howden directly with claims in these areas.  

Who provides the cover?

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.

Want to give your people more, without paying more?

Comprehensive bespoke employee benefits insurance programmes at a sustainable competitive price

Seeing problems a mile off icon

Intensive review of your programme

Do people use their benefits? Does the business see a positive effect? Could you get better value another way?

More for your Singapore dollar icon

Never cutting corners, always buying smart

We aim for more peace, for less premium. We'd hate to do a deal that's cheap but with nasty surprises built in.

Trendspotting icon large

Claims analytics solving business problems

Help you introduce initiatives to improve the health of your workforce and reduce the root causes of claims.

Talk to an employee benefits specialist today

Let's talk...

+90 212 290 34 44

We'll put you in touch with the person best equipped to help.

Call us on +90 212 290 34 44 or drop us a quick message and we'll get back to you as soon as possible.

Contact details for all our local offices can be found here

Are you a:
3 + 15 =
Solve this simple math problem and enter the result. E.g. for 1+3, enter 4.
This question is for testing whether or not you are a human visitor and to prevent automated spam submissions.

How Howden helps to design employee benefits insurance programmes

Review your employee benefits insurance programme

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? 

More peace, less premium

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.

Using claims analytics to solve business problems

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. 

Communications support – if employees don’t know, then there’s no benefit

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. 

A woman takes a call on a headset

We’re approachable, insightful and won’t dive in to the hard sell

Got a question? We're always happy to help