Employee benefits

There is nothing more important than staff wellbeing. Providing insurance benefits for employees not only helps to support the wellbeing of your people if they are sick or incapacitated it is also a highly valued and effective way of keeping and recruiting staff in a competitive labour market.

Supporting the health and wellbeing of your people

Employee benefits are typically made up of a combination of:

  • Group medical insurance
  • Group life, disablement/income protection and critical illness insurance

Our Life & Health team can help you tailor the best group solution for your business. The employer determines the eligibility and base level of cover they will pay for per employee.

Employer funded plans offer features unavailable under a regular personal plan such as full cover for pre-existing medical conditions and substantial discounts in comparison to retail premiums.  In many cases these advantages extend to the immediate family of your employee also.

The range and levels of cover offered will vary depending on your business and the profile of your team.  In most cases we can implement a plan without individual application forms or medical questions asked. This means that your staff will be assured of a certain amount of cover in the event of a claim.

How employee benefits pay out at claim time

  • Group Medical Insurance - will enable your staff access to private medical treatment without the usual wait with the public health system. This may also extend to cover specialist consultations and diagnostic tests along with day-to-day expenses such as GP visits, Physiotherapy or Dental check ups (to name a few).
  • Income Protection - pays out a monthly income replacement benefit (of up to 75% of salary) if your employee was unable to work for a period of time due to illness or injury
  • Critical Illness - pays out a lump sum benefit upon diagnosis of a serious medical condition such as diagnosis of cancer, heart attack, stroke or similar major health conditions
  • Total and Permanent Disablement - pays out a lump sum if your employee was deemed unlikely to ever work again
  • Life cover - pays out a lump sum in the event of death or diagnosis of a terminal illness

 Minimum group size and other terms and conditions apply

Employee benefits keep your people happy and healthy

Adding employee benefits to your overall employee package provides peace of mind to your employees and their families and will also help keep them healthy at work. Having medical insurance, for example, aids with productivity as staff are more likely to see a medical specialist if they are ill and get treatment quicker, thus returning to work faster.

If you would like to have a chat with one of our advisers about adding employee benefits to your employment package or would like a complimentary review of your existing benefits, please contact Kathy Pascoe -

+64 22 506 9249


To protect the people in your business

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