Risk and healthcare

Reducing risk and sourcing solutions from life cover to healthcare and wellbeing, to save you time and provide peace of mind. Is it time to review your provider?

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Forward-thinking consultants, not just brokers

As employee wellbeing becomes an increasingly fundamental business focus, we work hand in hand with our clients to deliver innovative healthcare and more. Whether you need private medical insurance, health cash plans, dental cover, or the best of all three, our award-winning Synergy Wellbeing proposition provides a complete and seamless service.

Exclusive and innovative healthcare solution, Synergy

Award-winning registered and excepted life assurance Master Trusts

Strategic joined-up benefit design

Seamless flex benefit interaction

Seeking out the best value for all

We act as an extension to your HR team so you can ensure you have the right employee benefits at the right price, without compromising the security of cover. From Group Life Assurance to Income Protection, we have the market knowledge and Trust solutions to drive down cost, while reducing risk and lowering your administration burden.

We support clients and their employees with a range of Risk and Benefits by:

Completing a full audit of your existing arrangements to check taxation and legal requirements
Removing the hassle associated with traditional insurance schemes through our Isio Life Master Trusts
Operating a whole-of-market independent approach, giving you the most comprehensive cover for your budget on a range of benefits – including Group Life Assurance, Income Protection, Private Medical Insurance and many more
Combining the best of Private Medical Insurance and Health Cash Plans with increased return on investment and employee engagement through our award-winning solution, Synergy

Better across the board

We combine experience with ingenuity to build bespoke solutions for our clients. Your peace of mind is our priority. We ensure that claims will be met, legal requirements are covered, and that your chosen options are fit for purpose, engaging for employees and competitively priced.

Our award-winning life assurance Master Trusts remove business risk and internal governance while maintaining strong cost flexibility. While the new health cash plans we’ve devised have driven wider accessibility for healthcare.

Every solution adds up to a tangible improvement in employee recruitment and retention. And we don’t work in siloes, sourcing solutions and expertise across Isio to provide a joined-up approach.

A smarter approach to workplace wellbeing

We turn insight into action, helping you build a resilient, high-performing workforce through data-driven wellbeing strategies. Our approach combines tailored consultancy, advanced analytics, and a curated wellbeing marketplace to deliver measurable improvements in engagement, productivity, and employee retention.

We start by understanding your organisation’s unique needs, using benchmarking and in-depth analysis to shape personalised wellbeing solutions. Our interactive dashboards and ongoing support then make it easy to track progress, optimise benefit spend, and demonstrate real value to your business.

Every solution is designed to fit your goals and your people, ensuring your wellbeing strategy is joined-up, effective, and ready for the future.

Insight

Why proactive planning is key to successful risk and healthcare renewals

A fresh approach to group risk and healthcare could help businesses empower their people, future-proof their organisations and drive results, says Allyson Gayle, Director at Isio.

FAQs

Cost Control: Companies as well as employees, have seen rising costs in the last few years with end no in sight. However, the way your insurance risks are presented to the market and the negotiating stance taken have a direct impact on the cost to your business. It is important therefore, that you obtain the best possible price without compromising cover, understanding that the premiums you pay for your benefits are only as competitive as the expertise of your adviser. Innovation: Insurers continue to add new benefits and digital solutions over and above the core insurance. In this fast-changing market it is important to understand if your current providers are keeping pace and that you can access the right mix of innovative services for your employees. Risk Mitigation: Insurance protects your company as well as your employees, but what was suitable only recently, may no longer be so today. The pandemic, flexible working, changing employee expectations and recent legislation have all had a material impact. Insurance reduces business risk, but it is only effective if you have total confidence, it reflects all your current needs. If you are uncertain whether your existing group risk and healthcare providers meet all these criteria, then our review will be beneficial to your business as well as for your employees.

We’re employee benefits design and sourcing experts, minimising risk while accessing market-leading solutions. Benefits include: Group Life Assurance, Group Income Protection, Critical Illness Cover, Trustee Indemnity Insurance, Private Medical Insurance / Healthcare Trusts, Health Cash Plans, Dental Insurance, Travel Insurance, Personal Accident Cover, Health Screening, Vaccinations, International Benefits.

Synergy is an award-winning and groundbreaking solution for the world ahead. It retains traditional Private Medical Insurance cover while adding benefits for a huge variety of healthcare services. There’s also an online shopping portal with a wide range of discounts. All employees and spouse/partner members have access to a biennial health screen, which can be undertaken at 1,800+ locations UK wide.

Our technology

Synergy

This innovative and comprehensive healthcare solution works best when promoted through the Gateway2Wellbeing portal. Rather than having to read a dense booklet, your employees can quickly understand their benefits and what they can claim for.

Isio Life Cover Master Trust

Our secure online expression-of-wish portal allows members to make real-time changes to those they nominate, for a seamless and more modern employee experience.