Continuing with the same insurer does not mean every benefit, premium or condition stays unchanged. Request the proposed terms and compare them with the current contract.
Ask how pricing is determined for the product. Income’s portfolio-underwritten FlexCare is an example where an employer’s own claims are not the sole pricing basis.
Use Bene’s renewal timeline as a planning aid, then work backwards from the actual insurer deadlines. Confirm acceptance and cover dates before treating the new period as in force.
Sources
- Income Insurance: Employees FlexCare (group insurance for employees)
Reviewed 23 October 2026 · Source details
- MoneySense: Health insurance terms: Know what you are paying for
Premiums; deductibles and co-insurance; exclusions; riders. Retail-health examples are not universal group-policy terms.
Reviewed 23 October 2026 · Source details