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Choosing employer health solutions that meet your workforce needs can be simple — starting with just one employee. 

Speak to us to find out more

Growing and medium-sized enterprises or SMEs face budget, resource, and scale constraints in offering competitive health and benefits. In a war for talent, how can you provide care while attracting and retaining key talent? 

Here’s how Marsh can help you compete and win in a war for talent amidst medical inflation. 

Select: More value

Big benefits at competitive prices: SMEs can unlock exclusive medical coverage through our network and scale. 

1. Make the most out of your workforce budget with our competitive premium pricing covering a range of medical benefits which are usually only available to large organisations. 

2. What’s more, you can lock in premiums and feel secure even as the market fluctuates.

3. Yes, we’re big, but that means we can negotiate big too. Take advantage of our global negotiation power and exclusive partnerships so you can enjoy more value while containing costs.

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Select: More efficient

Save time and boost efficiency: Empower growing businesses to manage plans and streamline operations with digital tools.

We know that the smallest efficiencies can make a big difference in terms of cost and time savings in a small business. 

1. Leverage our user-friendly digital tools to manage and monitor your benefits plans, and to communicate with and engage employees. 

2. You can maximise operational efficiency through streamlined administration, automated reporting and timely claims processing so you can stay up to date wherever you are. 

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Select: More competitive advantage

Attract the same top talent as larger firms: SMEs can be talent magnets. 

Your people are your business. Investing in the right benefits program helps you win talent, differentiate your business, and gain a competitive edge. 

1. Select from our range of benefits programs to help you attract and retain the people you need for the competitive advantage you deserve.

2. With our affordable packages, you too can offer tailored benefits that truly matter to your workforce.

Benefits that work for your people

Every business has distinct needs, objectives, and growth plans. Our benefits specialists are dedicated to developing employee solutions that can be uniquely tailored to your organisation.

 

Benefits One

Benefits Elect

Best for

Growing businesses
seeking ready-made
employee benefits

SMEs seeking comprehensive benefits with stable pricing

Minimum headcount

1 employee

20 employees

Flexible benefits

 

✓

Simplified underwriting

✓

✓

Wellness benefits

✓

✓

Key advantage

Simple and cost-effective packaged benefits

Competitive benefits with simplified underwriting

FAQs

The escalating medical costs in Asia are reducing healthcare affordability and reach for employees, widening the workforce health protection gap. SMEs are hit the hardest because they operate on finite budgets, and rising insurance premiums are creating further financial strains.

A high loss ratio occurs when an insurance company pays out a large percentage of its premiums in claims, or simply a high ratio of losses to gains, impacting premiums for businesses. Inadequate plan design, under-utilization of benefits, and low employee headcount with single large inpatient claims can disproportionately drive up loss ratio beyond the threshold, leading to a high loss ratio. 

In an environment of high premium fluctuations, especially in a bad year with high loss ratio, steep price loadings can be implemented by insurers at renewals, which undermine SMEs’ ability to provide adequate medical coverage for their workforce. It is crucial that SMEs actively align benefits with actual workforce needs and demographics to keep cost manageable and improve predictability.

Offering an attractive and comprehensive employee benefits program makes your company more competitive and enhances employee experience and satisfaction. This leads to increased productivity and helps reduce high costs associated with employee turnover. Investing in the right employee benefits program supports a motivated, loyal workforce and contributes to the long-term success of your business.

Insights

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10/29/2025

Health Trends 2026

Explore Health Trends 2026: covering the top health trends impacting health risk, claims frequency and cost. Mercer Marsh Benefits (MMBs) report, Balancing cost control with benefits optimisation, looks at rising medical costs, the critical need for proactive health plan risk management, and strategies to optimise benefits coverage to meet varied employee needs and improve affordability.

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12/11/2025

Indonesia Health and Benefits Study 2025

Discover Indonesia’s latest medical cost trends, well-being insights, and benefit benchmarks. Download the Indonesia Health and Benefits 2025 Report to explore the full findings.

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10/03/2025

Cost of Care 2025: Panduan Data Lengkap Biaya Rumah Sakit di Indonesia

Laporan Cost of Care 2025 dari Mercer Marsh Benefits menyajikan data komprehensif mengenai biaya rumah sakit di lebih dari 1.600 rumah sakit di seluruh Indonesia. Dapatkan complimentary laporan sekarang.

Talk to us

Get in touch to learn more about our benefits for small businesses solutions or request a quote.