Find the right group insurance
In-depth knowledge in placing employee benefits insurances!
An organization’s people is by far its most important asset. Your people take care of your business. Your people make the difference between success and failure.
Employee Benefits aren't just desirable to employees. They can improve your business. Adding benefits can increase loyalty, retention, focus and productivity, attendance and recruiting.
Himaya can assist you in buying a peace of mind by placing group medical insurance, personal accident including passive war risks and terrorism outside Europe, group travel schemes, kidnaping and ransom, etc.
Our Services
- Designing your employee benefits program after thoroughly assessing your needs, keeping in mind that our aim is to free Your human resources department for other tasks than insurance.
- Performing the necessary insurance market/tendering exercise through benchmarking premiums, insurance offers and policy types etc. thanks to our market knowledge.
- Mapping the location of your staff in order to adjust accordingly the direct billing network of the Third Party Administrator/Insurer.
- Administering your program on daily basis thanks to the professional Himaya’s team
- Intervening in case of escalation for Claims recovery
- Assigning one Account Executive in charge of Your Company from A to Z who acts as a single point of contact
Our Advices
- To deliver on your duty of making a fair presentation of the risk to insurers containing all material circumstances which you know or ought to have known
- If you are in doubt as to whether information is material, it is best to disclose it since rarely disclosure will prejudice you, whereas non-disclosure certainly will.
- Disclosure to include:
– Loss history
– Date of birth, occupation, gender, nationality, etc.
– Any material fact
A material fact is one that is likely to influence the judgment of an insurer when determining whether to provide a business with cover and at what premium.
- For the medical insurance of your company staff you should refuse any pre-existing exclusion
- The HR department should only intervene for escalation with Your insurance broker and not on daily basis
- To assess the reliability of your health insurance provider by checking its track record
- To favor insurers (or their TPA) who have an extensive direct billing network where the insured does not pay from his/her pocket through a “Cashless facility” at hospital
- To fight abuses, the claims takes the escalator and the premium will take the lift at renewal, costs have to be contained!
AT THE TIME OF THE CLAIM IT IS TOO LATE! “TO GOVERN IS TO FORESEE…”
