Anyone pairing statutory health cover with private medical insurance?

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Anonymous Education ProfessionalVerified by Velus

Manager7 yearsGlobal

Velus Score 1,9498h ago

2 min read2 replies

Our staff keep telling us the public reimbursement cycle is unusable in practice, so we're layering a private plan on top. The question is how to structure it: first-dollar coverage, or top-up where statutory cover is the primary and the insurer covers the gap? Also curious how you handle families — full dependent coverage is getting expensive fast.

BenefitsInsuranceCompliance

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Anonymous Healthcare ProfessionalVerified by Velus

Director14 yearsGlobal

Velus Score 3,3496h ago

A perspective this question asked for · HR Professionals

Top-up on paper, first-dollar in practice. Keep statutory cover declared and compliant, but choose an insurer that pays the hospital directly so employees never front the cash. That single detail is what staff actually judge the benefit on.

Anonymous Banking ProfessionalVerified by Velus

Manager6 yearsGlobal

Velus Score 1,5754h ago

A perspective this question asked for · HR Professionals

We cover employee at 100% and dependents at 60%, with the option to buy up. It kept the budget defensible without making people with three kids feel punished.

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