Corporate insurance that’s managed, not just renewed.

This Cigna client’s HR team chased every endorsement themselves — new joiners waiting on cards, leavers still accruing cost long after they had gone. When Beneple took over, we found the delays were not coming from the insurer. They were coming from a broker working without a service-level agreement. We moved the plan onto our own endorsement process, run by our own customer support team, and turnaround fell by 54%, from weeks to days — giving HR hours back every month.

Their plan sat on Bupa’s premium network tier — hospitals across the region, plus worldwide cover. The utilisation data told a different story: the team used a small, consistent group of providers close to where they lived and worked, and only 20% were even eligible for a US visa. They were never going to use those benefits. Beneple rebuilt the plan as two tiers around the providers employees actually used. Not a single employee felt any difference, and not one complained. The premium came down, and nobody lost access to a hospital they had ever used.

Growth had left this Allianz client with several policies across different entities, each with its own renewal date, table of benefits, and point of contact. The assumption was that consolidating meant starting again — fresh underwriting, and staff with existing conditions facing new exclusions. We restructured them into one policy on continuous cover: no member completed a medical history disclosure form, no new exclusions were applied, and existing conditions stayed covered. One renewal date, one set of benefits, one place to call — and employee satisfaction with the change came back at 93%.