LifeGroup Life: protecting your people and their families
What employers should know about group life cover and how it supports beneficiaries.
Read article →A corporate HMO is often the benefit employees value most. Choosing the right one is less about the lowest price and more about how well the plan works when someone is unwell.
What a corporate HMO does
A corporate HMO arranges access to healthcare for employees and their dependants through a network of providers, under a plan the employer selects and funds.
Questions to ask
Which hospitals and clinics are in the network, and are they close to where your people live and work? What are the benefit limits and exclusions? How are complaints handled? How easy is it to get authorisation when it is needed?
Why independent comparison matters
An independent broker compares HMOs on your behalf, helps design the programme for your workforce and monitors service through accredited providers after the plan starts.
Key takeaways
- Judge an HMO by access and service, not only price
- Check the provider network, benefit limits and exclusions
- Independent comparison and ongoing monitoring protect your employees
This article is general information and not a substitute for advice on your specific circumstances. Policy terms and underwriting apply. Speak to a HAT broker about your needs.
