What the programme should address

Group medical

Outpatient, inpatient, diagnostics and provider access.

Accident protection

Benefits following accidental injury or disability.

Group life

Financial support for families after an insured death.

Disability and income

Temporary or long-term income protection.

Risk review priorities

• Segment benefits by location and employee population.
• Compare utilisation, exclusions and provider capacity.
• Define onboarding, offboarding and dependent eligibility.
• Coordinate insurance with HR and occupational health.
• Measure service levels as well as premium.

Scenarios to test

1. Rapid workforce growth creates eligibility gaps.
2. A major accident affects several employees at one location.
3. Medical inflation changes the sustainability of plan design.
4. Employees cannot access providers promised by the programme.

For each scenario, identify the affected policy, trigger, deductible, sublimit, waiting period, recovery time and uninsured amount. Treat any gap as an explicit retained risk rather than an assumption.

How Kompetenz supports the placement

We translate operational and contractual information into a structured insurance submission, compare policy wording across markets and help establish a claims-ready programme with clear responsibilities.

Conclusion

Employee protection works best when coverage, communication and service delivery are designed as one experience.

Next step: Request a tailored Business insurance review from Kompetenz.