Once the plan is live, the work turns into a stream of small jobs. We carry many of them, but the decisions and the data stay with you.
Agree who does what before the first new hire joins. Otherwise small jobs fall between HR and us, and a new hire can go uncovered or an invoice can go wrong.
The jobs that keep coming back
- New joiners, added to the plan from the right date.
- Leavers, removed with any premium adjustment. What happens when someone leaves covers the detail.
- Card and app problems, such as a missing e-card.
- Staff questions about what the plan covers.
- Claims that stall while waiting for a document or a decision.
- A year-end check of the insurer's member list against payroll, if your policy adjusts premiums then.
- A comparison with other insurers before each renewal.
- Medical insurance for S Pass and Work Permit holders, which the Ministry of Manpower (MOM) requires employers to buy and maintain.
What Bene can take on
After you buy through Bene, we help with the application and your employee list. We add new hires and remove leavers by updating the insurer, answer questions about cover, follow up claims that are stuck, and check the market before every renewal. We can also help with Foreign Worker Medical Insurance and Work Injury Compensation Insurance.
Card and app problems, such as a missing e-card, we take up with the insurer for you. Our how it works page shows the path from quote to renewal.
The insurer assesses and pays claims, not Bene, so a follow-up from us cannot change a decision made under the policy terms.
What stays with you
You still decide who is eligible, which plan to buy, and whether to renew or switch. You also need to tell us about changes promptly, such as a start date, a last day or a promotion that changes someone's plan.
Accurate data and privacy are yours too. Send correct dates of birth and job details, own the year-end member-list check, and keep medical details out of shared trackers (reducing benefits admin shows how).
Some government steps are yours as well. For Work Permit holders, MOM requires employers to update the insurer, policy number and policy dates in its WP Online system whenever they change.
How Bene is paid
Our advice is free for employers. You pay the insurer's premium, and the insurer whose policy you choose pays us a commission that is built into that premium.
Commission rates differ between insurers and products, and we never rank insurers by what they pay. We will tell you what we earn on any plan we recommend. Our broker and platform guide explains how the different ways of buying compare.
Contact us with your headcount and renewal date to talk through which jobs you want to hand over.
Sources checked 23 October 2026.
