How it works
Tell us about your team. We ask insurers for quotes, lay the options out side by side in plain English, and handle the paperwork once you choose. Our advice costs you nothing.
Three steps
What happens when you ask us for a quote
01
Tell us about your team
Share your headcount, the covers you’re interested in, and your current insurer and renewal month if you have one. The quote form takes about two minutes, or just WhatsApp us.
02
We compare insurers for you
We ask insurers on our panel to quote, then lay out their benefits and premiums side by side. You get exact quotes within the next working day.
03
Choose, and we set it up
We walk you through the differences that matter, from ward class to specialist limits. Once you choose, we handle the application and your employee list with the insurer. There is no obligation to buy.
What we handle
The parts of buying cover nobody enjoys
You make the decisions. We do the chasing, comparing and form-filling.
Comparing the fine print
Ward classes, limits, co-pays and exclusions, set out the same way for every insurer.
The paperwork
Application forms, your employee census and the insurer’s underwriting questions.
Changes during the year
Adding new hires and removing leavers, with the insurer updated on your behalf.
Every renewal
We check your renewal terms against the market before you sign, so you renew or switch knowingly.
How we’re paid
Free for employers. Here’s why.
You pay the insurer’s premium and nothing to us. The insurer whose policy you choose pays our commission, which is built into the premium.
Commission rates differ between insurers and products. We never rank insurers by what they pay us.
Included at no charge
- Quotes from insurers on our panel
- A side-by-side comparison and advice
- Setting up the policy with the insurer
- Help with staff changes and claim questions
- A market check before every renewal
Insurers on our panel
Ballpark prices
Want a number first?
Our calculator gives a yearly price range for teams of 2 to 200, insurer by insurer, from their published SME package rates. Pick your headcount, the covers and a level, and you will have a range in about a minute.
It is an estimate, not a quote. Final premiums are set by the insurer after underwriting, and our exact quotes take your team’s details into account.
More than 200 employees? We will put together a customised quote for your team instead.
Questions
Common questions about the process
Your company name, how many employees you want to cover, the covers you’re interested in, and your current insurer and renewal month if you have one. For exact quotes, insurers also ask for an employee list with dates of birth, and for some covers, occupations or salaries.
We send exact quotes within the next working day once we have what the insurers need. How long setup takes after you choose depends on the insurer and on whether any staff need to make a health declaration, and we give you a start date when you decide.
No. Our quotes and advice come with no obligation. If you decide not to go ahead, that is fine.
Yes. Send us your current benefit schedule or renewal notice and we will compare it with what insurers on our panel can offer, so you can renew or switch with the facts in front of you.
We quote for companies of any size. Most insurers’ SME packages start from two employees, and our calculator covers teams of 2 to 200. For bigger teams, insurers quote from your employee list.
Us, for anything you would rather not handle yourself: adding and removing staff, questions about cover, claims that need following up and your renewal. The insurer assesses and pays claims under the policy.
Tell us about your team
Get options from insurers on our panel, side by side, within the next working day.