Group insurance NZ

Group Insurance for New Zealand Employers

Group insurance lets employers provide meaningful protection through a workplace scheme. Employee Lab helps you compare options, set up cover, communicate it clearly and support employees when claims arise.

One connected scheme

Cover works better when every part stays connected.

Employee Lab sits between the employer, insurer and employees—helping keep scheme design, communication, administration and claims support joined up.

  1. Your workplaceEmployerSets the purpose, budget and eligible team.
  2. Design & supportEmployee LabHelps compare, establish, explain and look after the scheme.
  3. Cover & educationInsurer + PulseThe insurer provides the cover. Pulse adds practical wellbeing education.
  4. Everyday valueYour EmployeesUnderstand the benefit, use the support and know where to turn.
Why it matters

What group insurance can include

A group scheme can include medical insurance, life insurance, income protection, trauma cover and total permanent disablement cover. The mix depends on your workforce, budget, participation and the outcomes you want the benefit to support.

Why it matters

Employer-paid, employee-paid or shared

Some employers fully fund core cover. Others subsidise cover or offer voluntary options employees can add at their own cost. Employee Lab helps you choose a structure that is realistic to maintain and easy for employees to understand.

What is included

Practical support across advice, setup, communication and claims.

How it works

A simple process for employers.

  1. Define the employer objective
  2. Check team size and participation
  3. Compare insurer and cover options
  4. Set contribution and eligibility rules
  5. Launch, administer and review the scheme
Common questions

What employers usually ask.

Related reading

Useful next pages.

Ready to talk?

Build a benefits programme your team can actually use.

Call 0800 684 435 or send a quick message and we will help you work out the right starting point.