Real change starts here

A broker places a group medical insurance policy and typically reappears at renewal; an employee benefits consultancy manages your benefits as a year-round strategy. That's the fundamental difference. A broker's role is largely transactional: find a quote, place the cover, and leave the day-to-day claims and questions to your HR team. AES works differently, designing your corporate medical insurance around your workforce, analysing what's driving your costs, handling claims through an in-house team, and treating insurance as the start of a complete employee healthcare strategy rather than the whole job. One sells you cover. The other makes sure it genuinely works for your people, all year round.

No. You don't need documents, data or answers ready, it's genuinely fine to arrive with just your questions and a sense of what's on your mind. It can help to think about what's prompting the conversation, rising premiums, admin pressure, employee complaints, or simply a feeling that your current arrangement could be better, but none of that is required. The first conversation is about understanding your situation, not testing your preparation. If detailed information is useful later, AES will guide you through exactly what's needed.

AES takes the day-to-day weight of group medical insurance and employee benefits off HR. With a traditional broker, the policy is placed and everything after, the claims questions, the confusion over cover, the employee who can't get an answer, lands on your team. AES owns those moments instead: when a claim gets difficult, dealing with it becomes AES's job, not yours, handled by an in-house team your employees can reach directly. That means fewer escalations, less admin, and HR freed from being the middleman between staff and insurers, so your team can focus on the work that actually needs them. It's the difference between benefits that are managed, and benefits you have to manage yourself.

Yes. Many companies come to AES with group medical insurance already in place that's rising in cost, poorly matched to their workforce, or leaving too much admin on HR. AES reviews your existing corporate medical insurance, your plan design, your claims data and what you're paying, and identifies where it's exposed, overpriced, or simply not working as it should. From there, it designs a better-structured plan and manages it year-round. You don't need to wait until renewal: understanding where your current cover stands can happen at any point, and often reveals opportunities a last-minute renewal never would.

There's no fixed price for group medical insurance, because the cost depends on your workforce, the level of cover and network you choose, whether dependants are included, and your claims history. This is exactly why two similar companies can pay very different amounts, and why many employers are overpaying without realising it. The signs are premiums rising each year with no clear explanation, cover that hasn't been redesigned around how your people actually use it, and simply accepting the insurer's renewal figure. A Discovery Call is a straightforward way to find out where you stand: AES can review your corporate medical insurance, analyse what's driving your cost, and show you honestly whether it's working as hard as it should.