Your employees, their families, children living at home, and even family members visiting from overseas, for the duration of their visit. It’s very broad.
Group health insurance - attract and retain top talent with Mercer Marsh Benefits
Our Select Mercer Marsh (MMB) Group Health Insurance solution makes it easier for small or medium sized businesses to access the same high-quality benefits corporate health insurance offers larger companies. Whether you’re a growing local business or a multinational with staff in Australia, we’ll help you look after your people — and make your workplace somewhere top talent wants to join and stay.
Group health insurance benefits for your business
Cover we can arrange
Subsidised group health insurance
A tailored health plan which suits SMEs with 1-250 employees.
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You can pay up to the full cost of healthcare cover for your employees (with a minimum 75% contribution).
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GOLD hospital cover as per Australian Government standards, includes all Medicare approved inpatient treatment, accommodation and theatre fees, (Per fund rules).
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Extensive additional ancillary cover, with different rebates , that cover 60, 70, 80, or 90% of the cost of these services. You choose the cover level.
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Your employee can get a tax summary statement per your plan design.
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You choose the default hospital excess, from $0-$1000.
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Easy, digital ancillary claims via the insurers “App".
Voluntary group health insurance
Attractive corporate group health insurance rates for your employees.
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You make the programme available to your employees.
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Employee pays the cost of cover, but at a voluntary group rate, reducing their premiums compared to retail cover.
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Flexible GOLD, SILVER and BRONZE hospital cover options to suit their needs.
What is covered by subsidised Select MMB Group Health Insurance?
selected option
- What’s covered
- What’s not covered
Why choose Marsh
Related insurance solutions
Group income protection (SCI)
Group salary continuance and income (SCI) protection gives your employees comfort that if they can’t work for a period, they’ll still have an income.
Life and disability group cover
Having life insurance and disability cover in place for your employees offers them peace of mind and makes your business attractive to new talent.
Frequently asked questions
Corporate private health insurance offers flexible arrangements to suit both voluntary and subsidsed groups.
Yes, the hospitalisation cover is GOLD standard throughout, and you can choose the level of excess you pay. Also, the amount and type of cover for ancillary or services varies depending on the option’s you choose.. Talk to us about what’s best for your business.
Their policy will be ceased per their last working date. However, if the employee decides to continue their policy on their own terms, the product and or premium may change when moved under a retail cover type arrangement.
Yes. For ancillary cover it’s just two/six months for most services before any claim can be made, but there are exceptions and these vary depending on the type of ancillary service. For example, major dental work has a 12 month waiting period if a first time insurer or within the 12 month waiting period. Hospital cover has a standard 12 month wait for all preexisting and pregnancy related services for first time insurers or if upgrading cover types. (per fund rules)
We can arrange cover for your business if you have anywhere between 1-250 employees.
Good question. Through Select MMB we can negotiate group policies that balance affordability and broad employee protection. Also, accessing a product such as Select MMB Group Income Protection cover and setting it up for maximum employee benefit, is better done by specialists.
We can help ensure that when or if the time comes, you are maximising every advantage from your policy, and getting your employees healed and back on their feet as quickly as possible.
Employee benefits articles and resources
This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances.
Marsh Pty Ltd (ABN 86 004 651 512, AFSL 238 983) (“Marsh”) and Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238 369) (“MAI”) arrange the general insurance (i.e. not the Discretionary Trust Arrangement) and are not the insurer.
Discretionary Trust Arrangements are issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417 964) (“JGS”). Any advice or dealing in relation to a Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). The cover provided by a Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.
For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements (PDSs) available from the relevant product issuer. Target Market Determinations (TMDs) are available here.
Marsh, MAI, JGS and JLT are all businesses of the Marsh group.
LCPA 26/1455