Supplementary Life and Health Insurance Brokerage
Supplementary insurance your people value.
We design, tender and administer your organisation's supplementary life and health insurance: cover people understand, a cost Finance can defend and a renewal negotiated with evidence, not with the insurer's latest proposal.
Health & Benefits
The most visible benefit deserves a design of its own.
Supplementary health insurance is usually the benefit people value most and the one that weighs most in the budget after pay. Even so, many policies are renewed by inertia, with the same insurer and without comparison. We put it under the same discipline as a reward decision: diagnosis, comparison and a decision that HR and Finance take with the same document.
- Health and life plan design by level and by country
- Health, real usage and employee engagement
- Cost, claims experience and renewal terms
- Operational simplification and programme administration
Indicative reference
- 01DiagnosisPolicy, usage and two years of claims.
- 02DesignLevels, cover and budget by segment.
- 03TenderComparable terms, at least three proposals.
- 04DecisionNeutral comparison table and negotiation.
- 05ImplementationEnrolment and plain-language communication.
- 06Follow-upQuarterly report and renewal preparation.
The cycle is aligned with the renewal date of the current policy; follow-up feeds the next year's diagnosis.
What we do for your People team.
One team runs the whole programme, from reading the current policy to the quarterly report. Each stage leaves a document you can share with your board.
- 01
Diagnosis of the current policy
Cover, limits, exclusions, provider network, usage and claims over the last two years. What the programme pays and what people pay out of pocket.
- 02
Plan design
Cover levels, co-payments and deductibles, catastrophic, dental and life cover. A design per segment, aligned with the Benefit Value Map from the Benefits Study.
- 03
Tender among insurers
Comparable terms, at least three proposals and a neutral comparison table: premium per person, conditions, service and network.
- 04
Renewal negotiation
We negotiate premium, terms and service with claims and market evidence, before the renewal proposal arrives.
- 05
Implementation and communication
Enrolment, plain-language material and sessions so every person knows what the plan covers and how to use it.
- 06
Administration and claims
Support with claims, follow-up of complex cases and a quarterly report on usage, cost and satisfaction.
An annual cycle, not a last-minute renewal.
The programme is managed all year. The renewal is the result of a cycle that starts with the diagnosis and ends with the evidence that negotiates the next premium.
- 01Month 1
Diagnosis
Policy, usage and claims.
- 02Month 2
Design
Levels, cover and budget.
- 03Months 2–3
Tender
Comparable terms and proposals.
- 04Month 3
Decision
Comparison table and negotiation.
- 05Month 4
Implementation
Enrolment and communication.
- 06Months 5–12
Follow-up
Quarterly reports and preparation of the renewal.
Indicative reference; the calendar follows the renewal date of the current policy.
For large and mid-sized companies, and for people.
- 01
Large and corporate employers
Programmes by level, across subsidiaries or countries in the region, coordinated under one design and one report.
- 02
Mid-sized companies
A competitive group policy, with the minimum headcount and terms the market requires, without paying for cover nobody uses.
- 03
Voluntary insurance
Catastrophic, dental, travel and other individual cover with payroll deduction, to complement the programme without raising the company's cost.
Cover we compare.
Each cover is compared on the same criteria across every proposal, so the decision is about value rather than each insurer's format.
- 01Supplementary healthWhat we reviewOutpatient and inpatient reimbursement, limits, deductibles, provider networkWho uses itAll staff and dependants
- 02CatastrophicWhat we reviewAnnual limit, deductible, closed or open network, cover abroadWho uses itAll staff
- 03DentalWhat we reviewReimbursement rate, limits per treatment, orthodonticsWho uses itBy level
- 04Life and credit lifeWhat we reviewInsured capital by level, additional cover, beneficiariesWho uses itAll staff
- 05Assistance and telemedicineWhat we reviewAccess, response times, integration with the planWho uses itAll staff
How we are paid.
We work on fees agreed with the client or on the intermediation commission set in the policy, and we state which in writing before the decision. Any incentive from an insurer is declared. The comparison table shows every proposal on the same criteria, including the incumbent insurer's.
- One remuneration scheme per programme, stated in writing.
- Proposals compared on the same criteria, including the incumbent insurer.
- Headcount data is used only for the programme and returned or deleted at close.
What your team receives
What your team receives.
For Finance
- Proposal comparison table: premium per person and per level
- Claims projection and renewal scenarios
- Total programme cost against the Benefit Value Map
For HR
- Plan design and plain-language cover summary
- Communication and enrolment plan
- Quarterly report on usage, claims and satisfaction
Reference timing
A proper tender takes weeks, not days.
From diagnosis to decision, six to eight weeks as a reference. Implementation is scheduled around the renewal date of the current policy.
- Weeks 1–2Diagnosis and terms · policy reading, claims experience and tender terms
- Weeks 3–5Tender and comparison · proposals from at least three insurers and comparison table
- Weeks 6–8Negotiation and decision · decision session with HR and Finance
Indicative reference, confirmed at kick-off.
How we start
Start with your current policy.
There is no need to wait for the renewal. The diagnosis can be done at any time of the year and shows how much room there is to improve cover or cost.
Related services
- 01Weeks 1–2
You share the policy
Current policy, the last two years of claims and headcount. We sign confidentiality before receiving anything.
You receiveA diagnosis of cover, use and cost within two weeks.
- 02Week 3
Scope and renewal date
Together we define cover levels, countries, the tender calendar and how we are paid, in writing.
You receiveComparable tender terms and a calendar.
- 03Weeks 4–8
Tender and decision
At least three proposals compared on the same basis, renewal negotiation and a decision session.
You receiveComparison table and a negotiated policy.
Let's define the next step.
Tell us about the decision, the context and the timeline.