We believe all employers have unique health, protection and wellbeing risks when it comes to their employees. Our group health and protection solutions are designed to be tailored to target those specific risks, whatever they may be.

We have the right culture, proposition and most importantly people to partner with you to deliver outstanding results that provide peace of mind and security for your employees and their families. Our team of experienced industry specialists work with you to create and deliver a holistic group health and protection benefits strategy, unique to you and your workforce.

Whether you are looking to create a brand-new group health & risk strategy, or simply looking to refresh an existing one, we are with you every step of the way. We start with a full audit of your existing benefits, insurers and funding methods upon appointment, providing a data-driven understanding of your organisation and workforce. This knowledge informs our approach to designing your benefits, selecting providers and negotiating pricing. It also allows us to challenge the status quo and bring new innovative ideas to our clients.

We leverage our close relationships with benefit providers to iron out potential issues and provide maximum value for your benefit spend, the reflect the exact needs of your workforce, Our work can even be blended with a wider-ranging employee benefits review to provide maximum efficiency.

Employer Challenges

The cost of insurance premiums continues to increase, putting a strain on employer budgets. We can help by:

  • Negotiating with insurers: We will leverage our market relationships to secure competitive / sustainable rates and discounts.
  • Recommending cost-effective policies: We will always look to recommend insurance solutions which meet your demands and needs and offer comprehensive coverage at a sustainable cost.
  • Suggesting cost-saving strategies: Rather than simply recommending a group risk or healthcare policy we can explore options like wellness programs, preventive care, and employee education, with the aim of reducing claims, improving employee health and ultimately driving future cost savings.
     

Employees have diverse needs and expectations when it comes to health and protection benefits. We can help you by:

  • Conducting employee surveys and strategic benefit reviews: We can help you by gathering insights into what employees want their benefits packages to look like and work with you to develop and drive a sustainable benefits and wellbeing offering which meet employee preferences and your priorities.
  • Providing employee education and communication: We can support you in promoting the benefits you offer, the benefits they can bring to employees and suggest ways to maximise usage of any value added benefits which are offered by your insurers.

Health and protection benefits are subject to various regulations, which can be complex.  Barnett Waddingham can help by:

  • Staying updated on regulations: We monitor all changes in legislation and will always keep our clients updated to ensure compliance.
  • Providing guidance on regulatory requirements: When establishing new benefits we will always advise  our clients on how to meet their obligations.

Our approach

To make your life easier and deliver value, we use a clear, three stage process to deliver the best possible value for your benefit spend.

Pre-renewal

We evaluate your needs to optimise benefit design, alongside a performance review of past claims.

Market review

We approach the whole market in an appropriate way, to drive the best results for you.

Implementation

Seamless integration with existing systems and processes, including any third-party benefit platforms.

What is group health and protection?

Associate and Consulting Lead – Health & Protection Kevin O'Neill explores what is covered under group health and protection benefits, also known as group risk benefits.

READ OUR BLOG

Private Health Care Consulting – GEM Analytics

Our Health Care Consulting approach centres on accurately pricing market risk through our proprietary GEM Health model. By leveraging advanced actuarial knowledge, we can forecast future claims fund requirements and provide detailed insights into an organisation's financial needs. The model enables comprehensive analysis of claims experience, benefit design, and membership profiles.

With this information, we then focus on strategic negotiation with insurance markets to secure competitive pricing, potentially eliminating the need for annual market reviews. Instead of recommending frequent insurer switches based solely on price, GEM Health provides nuanced advice that considers long-term financial implications. Our approach allows clients to model various outcomes using different assumptions, empowering them to make informed decisions about cost management and benefit design.

Key benefits of our approach include:

  • Minimising management time and costs through clear, actionable advice.
  • Providing ongoing support throughout the year to prepare for renewal processes.
  • Offering detailed insights into claims performance and pricing methodologies.
  • Enabling clients to make strategic decisions about their healthcare benefits and financial planning.
     
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Speak to our experts

To find out more about how our expertise can support your needs, please contact our team.

New business enquiries

New business enquiries

Get in touch with our team to discuss your needs.

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Employer DNA

The insights your organisation contains can transform the way it operates. See how we can help you discover your organisation’s DNA and use it to maximise your competitive advantage.

Employer DNA hub
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One team approach

We hold regular internal meetings with the entire client team to ensure active participation, awareness of all issues, effective communication, and the ability to share ideas, for a unified, holistic experience.

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Full benefit reviews

Employees now expect a comprehensive set of benefits tailored to their circumstances. Where appropriate we can support you meet their needs by combining your group health and risk policy renewal with a comprehensive review of your employee benefits package.

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Future proof

Every 12 months or following any major changes, we carry our extensive market research and due diligence on every provider, prior to making any client recommendations. 

Related knowledge and resources

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