United Kingdom

Be prepared for the future

Would you be prepared should any of your staff be signed off work for an extended period of time, such as long term sickness absence due to stress, an accident or other illness?

Risk benefits are an integral part of an employer's overall benefits package and that's why it's so important to get it right.

Our advisers are leaders in the area of risk benefits consultancy, plan management and procurement, and will work with you to establish:

  • Group income protection
  • Group life assurance
  • Critical illness cover
  • Group personal accident
  • Risk claims management

Our solutions are all-encompassing, guiding you from scheme design and benchmarking, to claims management and thought leadership.

Risk Forecaster

It is important for organisations to understand their employee health risks. We have developed a holistic approach based on the needs of an organisation, namely:

  • The increasing cost of benefit programmes;
  • Absence related costs;
  • Both

The Risk Forecaster analyses and quantifies absence data, health data and premium trends and benchmarks performance enabling us to calculate the total cost of health and project future premium spend. It supports the implementation of integrated strategies and provides access to key activities, tools and services that will help drive down the employer's total cost of health. The Risk Forecaster increases the likelihood of better employee engagement, provides strong governance reporting and demonstrates our best practice protocols to the insurance industry that enables us to achieve the best possible pricing terms.

Aon Bench

Is a cutting-edge benchmarking tool for claims rated private medical insurance, group income protection and group life assurance schemes. Aon Bench provides organisations with market insights and a measure of how their benefit plans compare to the competition, using the latest technology via an interactive, web based tool. It enhances plan comparisons, providing insights around premium rates and specific plan design features.

Aon Pulse

Aon Pulse provides healthcare insights through deep dive claims analytics. The tool delivers financial monitoring of claims, identification of key claims trends and health risk issues, along with demographic and/or business unit breakdown and the ability to measure network performance and key cost drivers.

Health Hub

Health Hub is the destination dashboard for organisations requiring access to key employee health and benefits information. It provides ongoing aggregation of data across all individual health benefits and service lines that are pulled through into a dashboard to inform the organisation's key stakeholders about their performance against their people, risk, health and engagement strategy. Based on our interpretation of the data we highlight key areas to focus on in order to deliver against key objectives.

Pension Protections and the Fall in the Lifetime Allowance

The fall in the Lifetime Allowance (LTA) and the availability of another round of Pension Protections from 6 April 2016 is the latest change to a regime that first came into the consciousness of employers with A-day in April 2016. Over the past ten years we have seen a number of changes with the LTA initially increasing annually to £1.8 million and then gradually dropping down, with perhaps further falls to come in the future.

Click here to download the white paper.

To find out how you can deliver comprehensive risk cover for peace of mind for you and your employees, contact us at letstalkbenefits@aon.co.uk or speak to one of our friendly staff by calling 0344 573 0033.


Aon Consulting Limited is authorised and regulated by the Financial Conduct Authority.

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