In 2016, one of the world's leading engineering professional services consulting firms, with more than 500 offices across 40 countries, contacted us in frustration with their current medical insurance coverage in Dubai.

They had been working directly with the same provider for an extended period of time, and consequently they were not getting objective advice on renewal each year.  They had trusted that their provider was giving them best advice up to this point, and had faithfully renewed with increases each year. 

Naturally, their provider was exclusively interested in retaining business, at any cost to their client…in other words, client and provider interests were misaligned. 

Upon review, the company found claims were increasing, renewals were increasing, benefits were stagnant, and employees were becoming underwhelmed with their health insurance benefits. 

As a result, they sought our independent advice. 

We were delighted to assist, and began with a comprehensive analysis of their plan and policy usage over the past 3 years.  This is a service we are always happy to offer for free, because in many cases small adjustments can make such a positive difference. 

In the case of this organisation, we identified significant and critical gaping holes in their cover, and areas of expensive over-insurance. 

As their independent representatives, and by dealing with the entire insurance marketplace, we approached and negotiated with several different providers to develop a cost-effective, client appropriate solution.

With our unrivalled contacts and unmatched experience in the international health insurance marketplace, we negotiated vastly improved rates with these providers. 

As this is a core part of the comprehensive service we offer, we are able to dedicate time and resources to the negotiating process to get the best results for our clients – every single time without fail. 

On this occasion, we crafted the best solution with a tier 1 provider, and worked with the organisation to analyse the areas where they could make savings without impacting cover, not just for this year, but for many years to come. 

This meant that in some areas the changes would initially only deliver marginal reductions in claims, but that over the longer term, this would result in much larger ongoing savings. 

For the engineering professional services consulting firm we: 

>> Remained on a tier 1 provider;
>> Delivered a 10% reduction on initial renewal without reducing any key benefits;
>> Added on full health screenings for the client’s employees;
>> Identified how significant and long-term savings would be achieved;
>> Over-delivered in terms of client expectations, resulting in business retention and very kind referrals.