Presenter
Title
London
VMWARE SINGAPORE PTE. LTD.
EMPLOYEE COMMUNICATION
01 Jan 2020 to 31 Dec 2020
MERCER MARSH BENEFITS 1
Important Notice
• Please note that this presentation only provides a general summary of some of the benefits provided under
the Company’s insurance program, and is not meant to be an exhaustive or comprehensive list of the full
terms, conditions and exclusions of the Company’s insurance program.
• The insurance policy is a contract between the relevant insurer and the Company. Mercer is a
broker/consultant providing broking services to the Company. Mercer does not act on behalf of any insurer
or other service provider, is not bound to utilize any particular insurer or service provider, and does not have
the authority to make binding commitments on behalf of any insurer or service provider. In addition, Mercer
does not guarantee or make any representation or warranty that coverage or service can be placed on
terms acceptable to our clients. Mercer is not responsible for the solvency, performance, or ability to pay
claims of any insurer or service provider. Insurers or service providers with which a client’s risk or business
is placed at the client’s direction will be deemed acceptable to the client, in the absence of contrary written
instructions from the client.
• This document may contain confidential and proprietary information of Mercer and is intended for the
exclusive use of the Company and its employees for whom it is prepared. The contents herein may not be
modified or otherwise provided, in whole or in part, to any other person or entity, without Mercer’s written
consent. Mercer will not be responsible or liable in any manner whatsoever in the event the information
provided herein is modified without Mercer’s consent or is used in a manner other than as contemplated
herein.
MERCER MARSH BENEFITS 2MERCER MARSH BENEFITS 2
Benefits Overview
MERCER MARSH BENEFITS 3
Benefits at a Glance
Insured ProgramsGroup Term Life (GTL)
Group Disability Income (GDI)
Group Personal Accident (GPA)
Group Hospital & Surgical (GHS)
Group Major Medical (GMM)
Group Maternity (GMR)
24 Hour
Worldwide
Policy Period:1 January 2020 –
31 December 2020
MERCER MARSH BENEFITS 4
Enhancements for 2020
BENEFIT E n h a n c e m e n t
G R O U P
H O S P I TA L &
S U R G I C A L
• Room & Board from 1 Bed Restructured to 1 Bed Private
• Outpatient Kidney Dialysis / Cancer Treatment from $15,000 to $19,000
(Waiting period from permanently excluded to 12 months waiting period)
And many more… (refer to Group Hospital & Surgical Benefits Schedule)
• Hospital Misc. / Surgical Benefit / In-hospital Doctor consultation
• Emergency Outpatient Treatment
• Pre & Post Hospital Confinement
• Miscarriage benefit
G R O U P M A J O R
M E D I C A L• Max. limit from $50,000 to $60,000
G R O U P
M AT E R N I T Y
• Normal / Vagina delivery from $3,500 to $4,000
• Caesarean / Abdominal delivery from $4,500 to $5,500
• Miscarriage / non-elective from $1,500 to $2,000
MERCER MARSH BENEFITS 5MERCER MARSH BENEFITS 5
GROUP TERM LIFE
MERCER MARSH BENEFITS 6
Eligibility
• All actively at work full-time permanent employees (including contract
staff & interns) below the Age of 70, renewable up to Age 75
Scope of Cover• 24-hour
• Worldwide
Basis of Cover• All Employees: 2 X Annual Salary (Annual Salary inclusive of MBO
and commission bonus)
Free Cover
Limit (FCL)
• S$500,000 up to age 65 (next birthday)
• Sum insured in excess of FCL is subject to underwriting and
acceptance by insurer
Group Term Life Insurance (GTL)Core
MERCER MARSH BENEFITS 7
Group Term Life Insurance
Illustration of Non-medical limit
Non-medical limit – S$500,000 up to age 65 last birthday
A.Below age 65 (next birthday) and sum insured of S$150,000
– Full sum insured S$150,000 on date of employment
B.Below age 65 (next birthday) and sum insured of S$650,000
– Sum insured S$500,000 on date of employment
– Excess S$150,000 subject to underwriting and approval by insurer
C.Above age 65 (next birthday) and sum insured of S$150,000 (below NML)
– No coverage on date of employment
– Full sum insured subject to underwriting and approval by insurer
MERCER MARSH BENEFITS 8
Death• Due to any causes, i.e. illness or accident
• Lump sum payment of 100% sum insured
Total
Permanent
Disability
• Complete inability to engage in any gainful occupation or employment for
compensation, profit or gain for remainder of lifetime as a result of accidental
bodily injury, sickness or disease
• Loss of Use / Severance
I. The total and irrecoverable loss of the sight of both eyes; or
II. The total and irrecoverable loss by severance of or total and permanent loss
of use of both hands at or above the wrists; or
III. The total and irrecoverable loss by severance of or total and permanent loss
of use of both feet at or above the ankles; or
IV. The total and irrecoverable loss by severance of or total and permanent loss
of use of one hand at or above the wrist and one foot at or above the ankle;
or
V. The total and irrecoverable loss of sight of one eye and loss by severance of
or total and permanent loss of use of one hand at or above the wrist or one
foot at or above the ankle.
• Lump sum payment of sum insured
Group Term Life InsuranceCoverage
MERCER MARSH BENEFITS 9
Terminal Illness
• Upon diagnosis of terminal illness and certification of high probability
of death within next 12 months
• 100% sum insured payable, subject to maximum S$200,000
• Any balance payable upon death
Extended
Benefit
• Insurance coverage extended up to 12 months if insured member is
medically boarded out and unemployed during the same period
Group Term Life InsuranceCoverage
MERCER MARSH BENEFITS 10MERCER MARSH BENEFITS 10
GROUP DISABILITY INCOME
MERCER MARSH BENEFITS 11
Eligibility
• All actively at work full-time permanent employees (including contract
staff and interns) below the Age of 67 renewable up to Age 70
Scope of Cover• 24-hour
• Worldwide
Basis of Cover
• All Employees: 75% of Annual Salary (subject to maximum amount of
S$180,000 per Insured Person) (Annual Salary inclusive of MBO and
Commission Bonus)
• Deferment period : 6 months from Date of Disability (during which
Benefits are not payable)
Free Cover
Limit (FCL)
• S$60,000 up to age 60 (next birthday)
• Sum insured in excess of FCL is subject to underwriting and
acceptance by insurer
Group Disability Income (GDI)
MERCER MARSH BENEFITS 12
Disability
• Total and complete incapacity of Insured, as a result of injury/sickness
to engage in his own occupation or any other occupation for which he
is suited by reason of training, education or experience and is not
following any other occupation
Foreign
Residence
• If Insured becomes entitled to the Benefits under the Policy while not
in Singapore or leaves Singapore while being paid the benefits, the
Benefits will be payable only for first 6 months of absence from
Singapore
Group Disability Income
MERCER MARSH BENEFITS 13
Group Disability Income
Exclusions
• Participation in any aerial activity including parachuting and sky-diving; travel in any
type of aircraft other than as a fare-paying passenger on a regularly scheduled flight
of a commercial airline;
• Invasion, riot, civil commotion or rebellion, any war (declared or undeclared) or act of
war, violation or attempted violation of the law or resistance to arrest;
• Suicide or any attempted suicide or self-inflicted injury or illness, while sane or insane;
over indulgence in alcohol, drug-taking unless taken under the direction of a
Registered Medical Practitioner;
• Pregnancy or childbirth, or any illness or injury associated with pregnancy or
childbirth;
• Venereal disease, AIDS, AIDS related complexes and all illnesses or diseases
associated with the Human Immuno Deficiency Virus (HIV).
MERCER MARSH BENEFITS 14MERCER MARSH BENEFITS 14
GROUP PERSONAL ACCIDENT
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Eligibility• Per Group Term Life Insurance
Coverage
• Death as a result of accident
• Total Permanent Disablement as a result of accident
• Dismemberment as a result of accident
Scope of cover• 24-hour
• Worldwide
Basis of cover• All Employees: 2 X Annual Salary (Annual Salary inclusive of MBO
and commission bonus)
Group Personal Accident Insurance (GPA)
MERCER MARSH BENEFITS 16
1 Suicide or any attempted suicide or self-injury whether the Insured Person is sane or
insane
2 War, any acts of terrorism, hostilities or any warlike operations (whether war be declared
or not) or civil war; military or naval or airforce service while under orders for warlike
operations
3 Participation in a riot; commission of as assault or felony
4 Participation in competitive racing of any kind other than on foot; travelling in any type of
aircraft other than as a fare-paying passenger on a regularly scheduled flight of a
commercial airline
Group Personal Accident Insurance
Exclusions
MERCER MARSH BENEFITS 17MERCER MARSH BENEFITS 17
GROUP HOSPITAL & SURGICAL
MERCER MARSH BENEFITS 18
Group Hospital & Surgical Insurance (GHS)
Eligibility
• All full time employees below age 70 and their eligible dependants
(including contract staff & interns)
• Eligible Dependent shall mean:
a) Spouse below age 65 and who is not divorced or legally separated
from the Eligible Person, (including Domestic Partners)
b) Unmarried and unemployed child who is between the age of 15
days and 25 years old who is a full time student in an institution of
higher learning
Coverage• Hospitalized for treatment (minimum 6 hours of confinement)
• Surgery operation (including day surgery)
Scope of cover• 24-hour
• Worldwide
Basis of cover• All Employees and Eligible Dependants – Plan 1
MERCER MARSH BENEFITS 19
Group Hospital & Surgical Benefits
Hospital & Surgical Benefits per Disability* unless otherwise stated
Plan 1Plan 1
(Enhanced)
Room & Board (max 120 days including ICU) 1-Bed (Restr) 1-Bed (Pte)
Intensive Care Unit (ICU) $10,000 $10,000
Hospital Miscellaneous Services
$15,000
$20,000Surgical Benefit (subj. to Surgical Schedule of Fees for private hospital)
In-hospital Doctor’s visits/consultation per day (max 120 days)
Post-Hospital Confinement/Surgery Follow-up (max 90 days per disability)
$2,500Pre-Hospital Confinement/Surgery(within 90 days prior to
admission)
$2,500
Pre-Hospital Diagnostic X-ray and Lab Tests(within 90 days
prior to admission)
Emergency Outpatient Treatment Benefit (Bodily Injury caused by Accident)-sought within 24 hours of accident and follow-up within 31 days
$2,500
Note: GST is not payable
MERCER MARSH BENEFITS 20
Group Hospital & Surgical Benefits
Hospital & Surgical Benefits per Disability* unless otherwise stated
Plan 1Plan 1
(Enhanced)
Miscarriage Benefit-Expenses incurred for miscarriage that require in-hospital or outpatient treatment treated by registered medical practitioner including eligible expense for follow up treatments.No benefit shall be payable for pre-natal treatments.
$1,000 As per disability
Death Benefit (No double indemnity if death due to accident) $8,000 $8,000
Rehabilitation Benefit per policy year (up to max 31 days) $5,000 $5,000
Outpatient Kidney Dialysis / Cancer Treatment per policy yearNo benefit shall be payable for Pre-existing conditions which have existed during the 12
months preceding the Effective Date of insurance coverage of the Insured Member.
(Enhance to cover after 12 months waiting period)
$15,000 $19,000
Note: GST is not payable
*Per Disability is defined as:
- All disabilities arising from same cause, including its complications
- Subsequent disability from same cause shall be treated as new disability if subsequent admission is more than 30 days from
the latest date of discharge from hospital
MERCER MARSH BENEFITS 21
Group Hospital & Surgical Insurance
Exclusions
1 Pre-existing Illnesses prior to joining scheme or company, unless the Insured Person has
already been insured continuously for 12 months under this Policy ** Not applicable to International Transferees subject to T&Cs
2 Congenital anomalies or genetic defects
3 Treatments which are not medically necessary (e.g. cosmetic, fertility related, weight
management etc), routine medical check-ups
4 Childbirth including abortion, birth control, infertility, impotency; treatment occasioned by
or resulting from pregnancy, childbirth, abortion and complications arising from any of the
same, except for miscarriage
5 Transplants, dental treatments, HIV and all other sexually transmitted diseases
6 Treatment of mental illness, self-inflicted injury, suicide, abuse of alcohol, drug addiction
7 Disabilities resulting from direct participation in a strike, riot or civil commotion,
insurrection, or any act of war (whether declared or undeclared)
Please refer to Policy Contract for full list of exclusions
MERCER MARSH BENEFITS 22MERCER MARSH BENEFITS 22
GROUP MAJOR MEDICAL
MERCER MARSH BENEFITS 23
Eligibility• All full time employees below age 70 and their eligible dependants
(including contract staff & interns)
Coverage• To reimburse the cost of medical treatment in excess of the limits
claimable under Group Hospital and Surgical Insurance in
accordance to the plan entitlement
Basis of cover • All Employees and Eligible Dependants – Plan 1
Group Major Medical Insurance (GMM)
MERCER MARSH BENEFITS 24
Group Major Medical Benefits
Major Medical Plan 1
Room & Board (121st day onwards) 1-Bed (Pte)
Deductible Amount GHS
Co-insurance 20%
Max Limit per Policy Period $60,000(Prev. $50,000)
Note: GST is not payable
MERCER MARSH BENEFITS 25
Group Major Medical
Exclusions
1 Pre-existing Illnesses prior to joining scheme or company, unless the Insured Person has
already been insured continuously for 12 months under this Policy ** Not applicable to International Transferees subject to T&Cs
2 Congenital anomalies or genetic defects
3 Treatments which are not medically necessary (e.g. cosmetic, fertility related, weight
management etc), routine medical check-ups
4 Childbirth including abortion, birth control, infertility, impotency; treatment occasioned by
or resulting from pregnancy, childbirth, abortion and complications arising from any of the
same, except for miscarriage
5 Transplants, dental treatments, HIV and all other sexually transmitted diseases
6 Treatment of mental illness, self-inflicted injury, suicide, abuse of alcohol, drug addiction
7 Disabilities resulting from direct participation in a strike, riot or civil commotion,
insurrection, or any act of war (whether declared or undeclared)
Please refer to Policy Contract for full list of exclusions
MERCER MARSH BENEFITS 26MERCER MARSH BENEFITS 26
GROUP MATERNITY
MERCER MARSH BENEFITS 27
Group Maternity
Eligibility• All single and married female employees and spouses of married
male employees below age 45
Coverage• Eligible expenses incurred arising out of pregnancy including
consultations at Registered Medical Practitioner’s consulting room
and all hospital charges
MERCER MARSH BENEFITS 28
Group Maternity Benefits
Schedule of Benefits Plan 1 (SGD)
Normal/ Vaginal Delivery $4,000(Prev: $3,500)
Caesarean/ Abdominal Delivery $5,500(Prev: $4,500)
Miscarriage/ Non- elective abortion $2,000(Prev: $1,500)
Waiting Period No Maternity benefit shall be payable if an insured person has not been
continuously insured for at least 10 months immediately prior to the delivery of
the child.
Waived
MERCER MARSH BENEFITS 29MERCER MARSH BENEFITS 29
CLAIMS PROCEDURE
MERCER MARSH BENEFITS 30
Obtain LOG from
Aviva
Aviva will issue directly to employee and
copy to hospital
At hospital – Present LOG to admission
staff and activate Medisave / Medishield
Life / Integrated Shield (For Singaporean
& PRs only)
Payable by Aviva?
NO YESAviva will forward
declination notice to
member
Any escalation via HR Dept
After discharge, hospital will send the
bills to Aviva for assessment
Please submit any pre/post hospital bills
on Claimsconnect
Aviva will settle bill
with hospital directly
and email to
employees’ email
along with a
notification via claims
connect
Claims Procedure
Group Hospital & Surgical (with Letter of Guarantee)
Employees to call Aviva
Assist to request for LOG
+65 6305 4570
For any urgent LOG,
employee may email to
MERCER MARSH BENEFITS 31
Complete Part I of Medical Claim Form
At hospital – sign the Medisave Authorisation form
(Medisave form not applicable for Overseas). Pay Deposit.
No need to complete
Part II of Claim FormSettle bill with Hospital. Attach
Original final bills, Claim form and
Discharge Summary (if available)
and submit via Claimsconnect
NO
Admitted to Private Hospital? Doctor to complete
Part II of Claim Form
YES
Reimbursable by Aviva?
Aviva will forward declination notice to memberAviva will email to employees’ email along with
a notification via claims connect and
reimburse to employees’ bank account.
NO YES
Claim Procedure
Group Hospital & Surgical (without Letter of Guarantee)
MERCER MARSH BENEFITS 32
Hospital & Surgical
What is LOG?
What is the purpose of Letter of Guarantee (LOG) ?
• LOG acts as a waiver of deposit upon admission into hospitals and payments will
be billed to Insurer directly.
• LOG can only be used for in-hospitalization cases
• LOG covers only patient’s room & board entitlement and other hospital services
up to a maximum of S$10,000 and does not include Professional Doctor’s Fees.
• It is important to understand that issuance of a LOG does not guarantee that the
claim is payable.
• Admissibility of the claim will be subject to Insurer’s assessment upon receipt of
claim form after discharge. In the event that Insurer rejects the claim, employee is
liable for any outstanding liability owing to the hospital or the Insurer.
MERCER MARSH BENEFITS 33
Lists of Hospitals in Singapore
Government / Restructured Private Hospitals
◼ Alexandra Hospital ◼ Mount Alvernia Hospital
◼ Singapore General Hospital ◼ Mount Elizabeth Hospital
◼ KK Women’s and Children ◼ Parkway East Hospital
◼ Tan Tock Seng Hospital ◼ Gleneagles Hospital
◼ Changi General Hospital ◼ Thomson Medical Centre
◼ National University Hospital ◼ Raffles Hospital
◼Khoo Teck Puat Hospital ◼ Mount E Novena Hospital
◼Sengkang General Hospital
MERCER MARSH BENEFITS 34
Contacts
• Client ID: 4087
• Hotline: 6555 1234 (enter Client ID when prompted)
8.30am to 5.30pm Monday – Friday (except Public Holiday)
• Email: eh&[email protected]
• Address: 8 Marina View #09-08 Asia Square Tower 1, Singapore 018960
MERCER MARSH BENEFITS 35MERCER MARSH BENEFITS 35
AVIVA CLAIMS CONNECT
MERCER MARSH BENEFITS 36
Aviva Claim Connect – Mobile App and Online Portal
MERCER MARSH BENEFITS 37
Aviva Claim Connect – Mobile App and Online Portal
MERCER MARSH BENEFITS 38
Registering for a User ID
Click on Register
2. Select your date of
birth
1. Key in
NRIC/FIN/Passport
No
3. Click on Register
MERCER MARSH BENEFITS 39
Registering for a User ID
Check your
Company name,
Name & Email. If
they are in order,
click Confirm
Password will be
sent to the email
account in our
records
If the information
stated are
incorrect, please
do not proceed.
Contact your HR
support to get
your details
updated first
MERCER MARSH BENEFITS 40
Welcome Email with Password
Use Date of Birth
(DDMMYYYY) to open the
attachment to retrieve the
first time password
MERCER MARSH BENEFITS 41
1. Key in
NRIC/FIN/
Passport No
2. Enter the
password
sent via email
Attachment
Logging in for the first time
MERCER MARSH BENEFITS 42
Logging in for the first time – T&C acceptance and change
password
When you log in to the app for the first time, the term
& conditions for using the app will be displayed. You
must accept the terms in order to continue using the
app.
Next, you will be asked to change your
password:
MERCER MARSH BENEFITS 43
Logging in for the first time – confirmation of mobile number
We need your mobile number to send you the OTP needed to navigate the secured sections of
the app, and also SMS on updates of your claims.
1. Update mobile number
2. Click
Confirm
MERCER MARSH BENEFITS 44
One-time Password (OTP)
▪ To protect your personal data,
there are security measures
(the use of OTP) in place, to
control access to functions that
contain confidential
information.
▪ OTP is required for the
following functions:
o Make a claim
o View claims
o Messages
o Benefits
o My profile
▪ OTP is NOT required for:
o Claims help
o eCard
o Find a clinic
MERCER MARSH BENEFITS 45
Features of Claim Connect
MERCER MARSH BENEFITS 46
Make a claim
MERCER MARSH BENEFITS 47
Make a claim
MERCER MARSH BENEFITS 48
Make a claim
MERCER MARSH BENEFITS 49
Make a claim
MERCER MARSH BENEFITS 50
Make a claim
MERCER MARSH BENEFITS 51
Save a claim
MERCER MARSH BENEFITS 52
View claims
Please allow 3-5 working days from the date processed for the reimbursement to be
credited to your bank account.
MERCER MARSH BENEFITS 53
Messages
MERCER MARSH BENEFITS 54
My profile – change password and update particulars
MERCER MARSH BENEFITS 55
Benefits
MERCER MARSH BENEFITS 56
Benefits – Financial calculator
MERCER MARSH BENEFITS 57
Plan Entitlement, Balance Entitlement
MERCER MARSH BENEFITS 58
Aviva Claim Connect is also available online!
MERCER MARSH BENEFITS 59
One-time Password
• To protect your personal data, there are security measures (the use of OTP)
in place, to control access to functions that contain confidential information.
• OTP is required for the following functions:
✓ Claims
✓ Benefits
✓ Message
✓ My profile
MERCER MARSH BENEFITS 60
Contact Details – Aviva Claim Connect Team
• Hotline: 6827 8030
• Email: [email protected]
• Office Hours: 8.45am to 5.30 pm, Monday – Friday
(except Public Holiday)
• If there is any technical issues faced on the claims connect, when contacting
Aviva hotline – select option “2” upon message prompting. The calls would then
be routed to Aviva’s TeleCentre to assist the users.
MERCER MARSH BENEFITS 61MERCER MARSH BENEFITS 61
FREQUENTLY ASKED QUESTIONS
MERCER MARSH BENEFITS 62
Frequently Asked Questions
Q1. If I am overseas, am I covered?
A This policy is 24 hour worldwide. You are also covered outside office hour whether on holiday or at
work. If you are hospitalized, you should pay the bill and seek reimbursement when you are back in
Singapore. Please ensure that you obtain the medical report from the attending doctor and submit
together with the original final bills and medical claim form. All medical report and bills are
recommended to be translated in English to expedite in claims processing.
It is advisable that you purchase your own travel insurance if you are going for holiday overseas.
Q2. Can I continue the medical coverage if I resign from my company?
A This group insurance benefits is bought by your company as the main policyholder and coverage will
cease upon leaving the Company. It is, therefore, advisable that you purchase your own individual
for yourself and your dependents to ensure adequate protection.
Q3. Is benefits pro-rated for dependents?
A All benefits are on per insured basis and it is not shared.
Q4. If I go for medical treatment at A&E in Singapore government or private hospitals, will I be
reimbursed?
A For visits to A&E, the claim will be reimbursed if treatment is sought within 24 hours from accidents.
You are to pay first and submit the claim for reimbursement up to the benefits limit of Accident
Emergency Outpatient Treatment under Group Hospital & Surgical policy. Any follow up within 31
days can be reimbursed up to this benefit limit.
MERCER MARSH BENEFITS 63
Frequently Asked Questions
Q5. If I have another personal medical policy or my spouse’s company policy also covers me – can I
claim from these policies?
A Yes, if your claim is not paid in full by VMware’s medical plan, you can submit the balance amount from
GHS and Major Medical not reimbursed to the other insurers for review. Please obtain a copy of the
“certified true copies” of bills and payment statement which the other insurers would require to review the
claims. Insurers will only reimburse you for the amount not paid by the 1st insurer.
Q6. Can I cover my parents?
A We define dependants as your legal spouse and children between 15 days old (must be discharged well
from the hospital) and 25 years old if the child(ren) is/are still in full-time education and unmarried.
Parents are not considered as dependents in Singapore Group Insurance.
Q7. Is pre-existing condition covered?
A Pre-existing condition will be covered if you are with Vmware for a period of 12 months from the effective
date of coverage. Not applicable to cancer treatments and kidney dialysis.
Q8. Is Hepatitis B Screening, Health Screening and Vaccinations covered?
A No, these are not covered as they are considered as preventive in nature.
Q9. How long does it take to receive my claims?
A You will receive your claims within 4-6 weeks subject to submission of full claims documents. The claims
will only be assessed by the insurer if the documents required are complete.
MERCER MARSH BENEFITS 64
Frequently Asked Questions
Q10. When I utilize my Medisave/ Medishield Integrated Plan to pay for my treatment, how will my
claim be reimbursed?
A Payment that was made through Medisave and Medishield Integrated Plan will be refunded to the
respective Medisave Account and Medishield Integrated Plan to make good the lifetime limit.
Q11. How do you reimburse claim amount payable?
A The insurer will pay according to the priorities listed below:
1. To the hospital if there is any outstanding amount billed to the insurer (If LOG is utilised).
2. To the claimant via GIRO for any cash payment made on eligible medical bills.
3. To the claimant’s Medisave account.
4. To the claimant’s Medishield plan.
.
MERCER MARSH BENEFITS 65
ABOUT MERCER MARSH BENEFITS
Mercer Marsh Benefits provides clients with a single source for managing the costs, people risks, and complexities of employee benefits. The network is a combination of
Mercer and Marsh local offices around the world, plus country correspondents who have been selected based on specific criteria. Our benefits experts, located in 135
countries and servicing clients in more than 150 countries, are deeply knowledgeable about their local markets. Through our locally established businesses, we have a unique
common platform which allows us to serve clients with global consistency and locally unique solutions.
IMPORTANT NOTICE: This document does not constitute or form part of any offer or solicitation or invitation to sell by either Marsh or Mercer to provide any regulated
services or products in any country in which either Marsh or Mercer has not been authorized or licensed to provide such regulated services or products. You accept this
document on the understanding that it does not form the basis of any contract.
The availability, nature and provider of any services or products, as described herein, and applicable terms and conditions may therefore vary in certain countries as a result of
applicable legal and regulatory restrictions and requirements.
Please consult your Marsh or Mercer consultants regarding any restrictions that may be applicable to the ability of Marsh or Mercer to provide regulated services or products to
you in your country.