Group cover
Pay is no longer the only thing that wins and keeps good people. For a modest cost per head, a group scheme gives your team genuine financial protection that most of them would struggle to arrange on their own, and gives you a real reason for talent to choose, and stay with, your company.
As an independent broker we compare schemes across New Zealand's insurers, design one that fits your business, and handle the setup and ongoing administration so it stays easy to run. We work for you, not the insurer, so the scheme is built around your team, not sold off a shelf.
Design a scheme for your teamWhat's included
You choose the design, who's eligible and how much cover each person gets, and the insurer prices it across the group.
Life and trauma cover that pay out if a staff member dies or is diagnosed with a serious condition, real protection for them and their family.
Income protection that replaces part of an employee's salary if illness or injury stops them working, so a health setback doesn't become a financial one.
Faster access to treatment and specialists for your team, helping people get well and back to work sooner, without long public waiting lists.
Related reading
Insurance as a staff perk: how group schemes help you keep good people
Good to know
It's cover an employer arranges for their team as a single plan, rather than each person taking out their own policy. It typically includes lump-sum covers (such as life and trauma) and monthly disablement cover, offered to staff at group rates as part of their employment benefits.
It's a high-value, relatively low-cost way to attract and retain staff, and it shows you genuinely care about your team's wellbeing. Group schemes are usually cheaper per person than individual cover and often accept staff up to a set level without individual medical underwriting.
Group cover is generally tied to employment, so it ends when someone leaves. Many schemes include a continuation option that lets a departing employee convert to a personal policy without fresh medical checks, which is worth confirming when the scheme is set up.
Schemes can be arranged for surprisingly small teams; it's less about a magic number and more about the right design for your headcount and budget. We'll tell you honestly what's possible for your business and what it's likely to cost.
Explore more cover
Personal cover
Life, trauma, income protection and health cover for you and your family, a great complement to a workplace scheme.
Explore personal coverBusiness cover
Key person, shareholder, debt and revenue cover that keeps your company standing when an owner can't work.
Explore business coverWe'll design a group scheme that fits your headcount and budget, and handle the setup. Let's talk it through.