Employee Medical Insurance built around your team
If you’re looking to design a sustainable plan that balances care, cost, and simplicity while reducing admin headaches and errors, we’ll work with you to achieve those goals.
What’s Included in an EB Plan
Employee Benefits (EB) protect both your team and your business.
From medical coverage to statutory protection like WICA and FWMI, every component plays a role in keeping employees healthy, secure, and supported.
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Why SMEs Choose NRM
Every company’s employee benefits program starts with one simple idea: taking care of people.
For some, that means medical coverage when an employee falls ill. For others, it’s protection against accidents, travel inconveniences, or even emergency evacuation when serious incidents occur overseas. Because every business is different, so are the needs.
That’s why we take time to understand how your company operates, your industry, employee profile, and management philosophy on staff care.
There’s no one-size-fits-all plan. The right solution depends on what matters most to your people and how your organisation defines care.
Why EB Premiums Keep Increasing Each Year
Claim Ratios Drive Renewal Pricing
Even with no major claims, overall group claim experience and national healthcare inflation push costs up each year.
Age Band and Workforce Profile
As staff age or more dependents are added, the group’s risk pool shifts — leading to premium adjustments
Medical Inflation and Panel Pricing
Private healthcare costs rise 6–10% annually. Insurers also update clinic and hospital panel rates.
How to Control Future Cost Increases
Review Plan Design
Adjust room type, deductible, or co-pay levels to manage cost while maintaining core protection
Implement Wellness or Health Screening Programs
Healthier employees reduce long-term claims and help control renewal increases
Consolidate with a Single Insurer
Pooling with one insurer often gives better terms and easier renewals
FAQ
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Let’s explore how we can design a sustainable plan that fits your team, your budget, and your company’s philosophy on care.
Schedule a short consultation or message us directly to get started no obligation, just clarity.