Are You Overspending on Employee Benefits?

Providing employee benefits is not about how much you spend, but how smart you spend it.

Here are key points we often discuss with HR teams and SME owners:

1. Not every employee needs RM500,000 medical coverage – Smart segmentation saves cost.
2. Include outpatient benefits – Staff care more about day-to-day clinic visits than high-limit hospitalization.
3. Consider family coverage options – Letting employees include spouse/children builds long-term loyalty.
4. Don’t ignore claim trends – If most staff never claim hospitalization, you may be overpaying.
5. Flexible plans = happier staff – Let employees choose what suits them best.