Small businesses matter - provide employee benefits and insurance for your employees

In an increasingly unpredictable environment, we understand that businesses like yours need to build resilience to rising challenges, now more than ever before. We believe this starts at the core with one of your most valuable assets - your people. This is where Mercer Marsh Benefits can help.

Enjoy similar advantages typically catered for large corporations

Simplified underwriting

For life products, employees will be covered up to their last accepted sum assured (existing) or non-medical limit (NML) (new), whichever is higher. Underwriting will not be required for medical products.

Streamlined administration

Automated, simplified and digitalized placement and renewal processes are supported by web platforms and mobile apps from MMB and our Benefits Elect partners.

Cost-effectiveness and financial stability

Pre-negotiated premium rates leverage economies of scale, locked in for up to three years until December 2024.

Available for as few as five employees

Gain preferred access to all these advantages — typically enjoyed only by large corporations with significant bargaining power — as one of our valued clients under Benefits Elect.

We are a reliable partner in delivering extraordinary benefits to protect your business and your employees, supporting you every step of the way. Through our consultative approach and in-depth knowledge, we understand your challenges and aspirations and we use these insights to design bespoke employee benefits solutions to help you achieve your goals.

Harnessing our global strength as one of the world’s leading insurance brokers, we have partnered with leading insurers to give you a highly competitive benefits solution. Through Elect by Mercer Marsh Benefits, you get access to a specially selected panel of providers, a service tailored to your needs and exclusive arrangements for your employees. 

You will have a dedicated benefits consultant to help you set up and manage your employee benefits. They will be responsible for your ongoing relationship with Mercer Marsh Benefits and will ensure that we are on-hand to offer guidance and support whenever you need it. Trust us that we will aim to continue delivering solutions that benefit you.

Benefits-One by Mercer Marsh Benefits (MMB) is unique because it provides comprehensive benefits not usually available to groups of this size. It does so with minimal administration, at a competitive price – saving you time and ensuring you get the most out of your budget, despite accelerating health costs. Benefits-One allows you to differentiate yourself as an employer of choice, and put yourself on a level playing field with larger employers, to attract and retain the right talent.

Key features:

  • Stable premium
    With a lock-in period of three years (from 2024 to 2026), small businesses can enjoy a stable premium for three years that won’t be subject to loading.

  • Comprehensive coverage
    Coverage includes term life, personal accident, critical illness, disability income, medical, dental, maternity and business travel.

  • Flexible choice
    Employees can customize their coverage to fit their needs, with options to increase their coverage, pay additional premiums and / or even include eligible dependents.

  • Telemedicine
    Available 24/7, Telemedicine services deliver medical advice and support to your employees' doorstep, saving them the time and effort that physical consultations require.

  • Strong employee support 
    Dedicated employee hotlines from reputable insurers for queries regarding claims, coverage and other related topics.

Benefits Elect combines the best that Mercer Marsh Benefits (MMB) has to offer. We’ve used our unparalleled industry experience to create a program specially tailored to the needs of small and midsize enterprises (SMEs). Benefits Elect is also powered by a suite of tools — including our very own in-house benefits super app, Benefits You — that allow your employees to access all things benefits related anytime, anywhere.

What benefits are included in the package?

Benefits Elect is an all-in-one program covering all your employee benefits needs

  • Comprehensive cover
    Choose what your company needs from a host of benefits, including term life, critical illness, disability income, personal accident, medical, dental, maternity, business travel and spending accounts.
  • Competitive benefits
    Benefits Elect is benchmarked against the latest market offerings and designed to include industry best practices so you can rest assured that your benefits program is up to date and relevant.
  • Employee choice
    Our offering allows choice at the corporate or individual level, which reduces duplication of cover while encouraging awareness, healthy living and individual responsibility.
  • Health and wellness services
    Options include a huge range of value-added services from MMB and our Benefits Elect partners, including talks, workshops, bazaars and targeted wellness programs.
  • Enhanced technological capabilities
    Benefits Elect is integrated with powerful web portals and mobile apps available on iOS and Android, giving your employees easy 24/7 access to all things benefits related, including a growing marketplace of curated products and services at negotiated prices.

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