Ask most SME bosses what benefits they offer, and the answers sound familiar:
✔ Group Hospitalisation Insurance
✔ Group Outpatient Insurance
✘ No Dental Coverage
✘ No Specialist Coverage
But here’s the truth:
If you’re only offering the basics, you’re not just lagging — you’re losing.
In a competitive hiring market, basic GHS is no longer enough to attract and retain quality staff. More educated, health-conscious employees are looking at what else their employer provides beyond emergencies.
And here’s where Group Dental and Group Specialist (GSP) coverage come in.
What Is Group Dental Insurance?
This benefit typically covers:
- Routine scaling & polishing
- Fillings, extractions
- X-rays & diagnostics
Costs are manageable — depending on coverage and insurer.
What About Group Specialist (GSP) Plans?
These cover non-GP services such as:
- Dermatology, ENT, orthopaedics
- Physiotherapy, mental wellness consults
- Diagnostic scans (MRI, ultrasound)
Some plans include direct panel access, while others are reimbursement-based. Either way, it saves your staff from long waits and improves recovery outcomes.
Why It Matters for SMEs:
- Less MCs: Early specialist care = fewer escalated health issues
- Better retention: Employees know when their boss goes the extra mile
- Low cost, high perceived value: Especially if dental and specialist coverage are rare in your industry
Imagine a team that knows they can fix a toothache before it becomes a root canal — or see a physio before a small strain becomes a full-blown injury. That’s proactive HR.
Curious about Group Dental or Specialist coverage for your team?
Let’s run through the numbers — you’d be surprised how affordable it is, even for a small team of 5.