People & Liability

Group Health & Life

Employee benefits package

Group health and life cover is the benefits package you provide for your employees. Because it is written for a group rather than an individual, the terms are usually better and the underwriting lighter than the same cover bought one person at a time.

What it covers

Inpatient treatment

Surgery, hospital stays and intensive care for employees and, if included, their families.

Outpatient treatment

Doctor visits, diagnostics and medication, usually as an optional module.

Group life

A lump sum to the employee's family on death, often with accident and disability riders.

Check-ups

Periodic health screening, which can be structured by role or age band.

Family cover

Extending the plan to spouses and children, either paid by the company or by the employee.

What to watch for

Terms depend on the size of the group; below a certain headcount insurers may decline or price differently.
Pre-existing conditions are handled more generously than on individual policies, but not always without limits.
Employees leaving the company come off the policy; continuing cover individually is a separate arrangement.
The hospital network is what determines whether employees actually feel the benefit.
Tax treatment of premiums depends on how the plan is structured — worth confirming with your accountant.

Who it is for

Companies that want to offer health cover as a benefit, and those competing for staff in a market where it has become close to expected.

What we add as a broker

A group plan is judged by employees on one thing: whether the hospital near them is in the network. We map your headcount by location before going to market, so the plan is compared on the hospitals your people would actually use rather than on the length of the list.

Frequently asked

What is the minimum number of employees?

It varies by insurer. Some write groups from a handful of people, others start higher. We know which insurers are comfortable at your size before we approach them.

Can families be included?

Yes, either funded by the company or offered to employees at group rates. Both structures are common and we can price them side by side.

What happens when someone leaves?

They come off the group policy. Some insurers allow the person to continue individually without fresh underwriting, which is a useful feature to have agreed at the outset.

Let us compare 30+ insurers on an identical cover set for group health & life.

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