Health and Benefits

Tailor-made health and corporate benefits programs

We support companies from a wide range of industries in their challenges related to the protection of people and managing corporate insurance and benefits programs.

Our approach to health and benefits insurance solutions is consultative and personalized, always considering regional and cultural specificities. We bring close relationships, knowledge, security, technologies and data analytics for accurate projection of healthcare costs and identification of patterns and behaviors.

This results in a tailored combination of products and services that provide full support to our clients in taking care of their employees.

With decades of experience as a risk management consultancy and insurance broker on a national and international scale, we cultivate solid, transparent and long-term partnerships with the insurance market, prioritizing the quality of the underwriting process and the pursuit for the best results equation.

Aiming for the sustainability of the policies, Horiens relies on the partnership with Healthbit to support data-based management, collaborating to underpin preventive work in health, cost control and risk mitigation of health portfolios.

Health and benefits solutions:

Know our differentials

Self-service tools for policyholders and managers

Exclusive service options for policyholders

Performance indicators to support decision making

Solutions based on data technologies and predictive analytics (Risk Labs)

High success rate in following up complex claims

Ability to administer high volume policies

Long-term relationship with the insurance market

Successful Cases

Data science and technology for health insurance portfolio optimization

Client

Novonor Group Companies
The challenge:

Pricing health insurance is a complex challenge and involves a number of risks for companies. What can we do to improve the relationship between risk and return? This was the central issue of the solution developed by Horiens considering policies with 80 thousand insured members and a scenario in which Health Insurance represents about 20% of the companies’ payroll.
Como solucionamos?

Using statistical modeling and technology applied to proprietary health portfolio data, we build models of the frequency of insurance usage as well as the severity tied to usage. Predictive analysis allowed the implementation of improvements and bringing more information to the negotiation and generating value for the customer.

PrevSeguro: innovation in the personal insurance market

Client

Companies sponsoring the Vexty Pension Plan
The challenge:

Propose ways to expand adherence to the Vexty Complementary Pension Plan and, at the same time, offer an increasingly differentiated benefit to employees.
Como solucionamos?

We create a new product on the market, in collaboration with SulAmérica and Vexty. This is PrevSeguro, an innovative and free life insurance benefit for all beneficiaries of the Vexty Plan. The insurance guarantees, in the event of death or disability before the age of 65, the amount necessary to supplement the pension reserve that the member would form upon reaching that age.

Corporate Health and Benefits

Tailor-made health and corporate benefits programs

Partnership with healthtec: health intelligence

Health and benefits solutions:

Know our differentials

Successful Cases

Data science and technology for health insurance portfolio optimization

Client

The challenge:

Como solucionamos?

PrevSeguro: innovation in the personal insurance market

Client

The challenge:

Como solucionamos?

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