Each company is unique with respect to the challenges and opportunities they face. Our approach to group insurance plan design is personalized, impartial, and highly specialized. For each company, we devise a plan that is best suited to yield ultimate performance over time.
Standard and default. A plan for everyone built according to the standards set by the insurer, which assumes
Options with flexibility. Devised to offer employees a selection of plans that can be customized according to their circumstances and budget.
Autonomy and transparency. Also called self-insured, with these plans, the company is fully responsible for its experience-driven benefits, which it manages as an asset.
Freedom of choice. An option offered to employees, who manage an amount for experience-driven benefits at their own discretion.
On average, these make up less than 20% of the plan. Pricing is established according to the standards of the insurer(s) and assessed according to age, gender, occupation of the employee and the company’s business sector.
On average, these make up a little more than 80% of a plan and represent the least predictable component. The pricing is directly correlated to claims and therefore, the actual usage by employees.
With an ecosystem of business partners made up of the leading industry talents, our comprehensive à la carte service meets all insurance, HR management and financial planning needs.
