Health & Benefits
Aon Health and Benefits insurance solutions provide financial protection to the covered group, by covering the cost of an insured individual's medical and surgical expenses during hospitalisation. It also addresses financial impact of unforeseen eventualities, such as death or disability. The scope extends to solutions that help employers plan insured solutions for service-defined benefits, such as gratuity or retirement products, such as superannuation. Plans are designed keeping in mind the organisation philosophy, employee needs, market practice and other aspects to ensure sustainability and long-term cost efficiency.
Aon India's Health and Benefits team will work with you to provide:
- Benefits consulting for all insured benefits with original content through magazines, newsletters, and industry benchmark studies
- Bespoke services, strategic planning for benefits, insightful analytics supported by technology solutions
- Cost-efficient approaches to your plans that help address rising health care costs and regulatory compliance
- Efficient Health Promotion strategies that help employees manage their health risks bettery
- Risk placement and benefits administration support including disputed claims resolution
- Specialised design, implementation, and management of insured benefit programmes for clients
- Support end-to-end benefits communication and branding campaign developments
GMC GPA GTL
*GMC - Group Medical Coverage | *GPA - Group Personal Accident Insurance | *GTL - Group Term Life
Need for Health and Benefits solutions:
Employees faced with lifestyle health risks to themselves and their dependents look to their employers to provide efficient solutions to address the cost impact and prevent incidence. Employers are also grappling with rising healthcare costs amidst a fast-changing benefits landscape and need professional support in managing this effectively.
Aon India offers:
Benefit Administration: To manage the policy better and to ensure a more favourable employee experience, we provide various support activities including vendor selection and management, rate negotiations, third-party administrator (TPA) audits, document due diligence, benefit communication, claim monitoring and support, data and endorsement management, web-based benefit portal, regular benefits review, and compliance and audit support.
Benefit Communication:We provide communications design, content development, and production support (excluding materials cost). This is supported by a professional content and design team and includes support with benefit transition communications, voluntary plan enrolment communications, etc.
Benefits Technology: With our tailor-made technology benefits solutions, clients' benefits delivery processes become more efficient. We provide the right applications that help employers centralise activities, manage the process of member enrolments, plan onboarding smoothly, increase compliance with regulatory requirements and eliminate data errors.
Consulting: Our team will help you design flexible benefit structures, enable benefit-cost projections, execute the integration of claims with health promotion offerings and provide benchmarking that positively impacts pricing for future renewals.
Employee Engagement: We will demonstrate uncompromising high standards of integrity and honesty in our solutions and engagement with our clients, colleagues, and partners.
Health Promotion: We provide end-to-end support and coordination of all health promotion activities including helping you identify the right employee health goals, objectives and program components, identifying the best fit solution for stakeholders, develop a health risk prevention strategy, and conduct the right health risk classification with a suitable corrective plan.
Aon India's expertise lies in:
- Global Benefits Management
- Group Term Life Benefits
- Group Term Life in lieu of EDLI (Employee Deposit Linked Insurance)
- International Medical Insurance Benefits
- Key Man Insurance
- Medical Inpatient, Outpatient & Preventive Care Benefits
- Personal Accidental Death & Disability Benefits
- Retirement Benefits - Pension & Gratuity solutionse
- Travel Insurance Benefits