01
The employee
Their own cover in one place, with gaps and overlaps flagged against the terms, including how the group cover and the private policies stand in relation to one another. The result stays private.
For benefits and pension brokers
Independent insurance analysis. For your employer clients.
Give your employer clients an independent view of their employees’ insurance cover. Employees receive their own private analysis. Employers receive aggregate statistics. Forsio’s findings remain independent of your commercial interests.
Your employer clientYou introduce the service
Independent analysis
The same rules, whoever introduces usFor the employeeMy insurance
An individual analysis with source references.
Private resultFor the employerThe group picture
Aggregate insights from participating employees.
No individual recordsForsio produces the analysis. Your commercial role does not change its findings.
What the client gets
The question the employee actually asks.
The employer gets the same thing at group level: where the cohort has gaps, and where it pays for cover it already holds. Read more about the employer offering.
“Do I need private health insurance when the company has a group policy?”
That question gets a basis to work from, not an answer. The analysis shows where the group cover and the private policies overlap and where they leave a gap, with reference to the terms in both. What the employee does with that is the employee's own business.
Two recipients
One delivery, two views.
02
The employer
Aggregate statistics about the cohort: coverage level, take-up, double insurance and where the largest gap sits. Never tied to an individual.
Neutrality
The underlying data stands free of your business.
Forsio charges for its software. Its revenue does not depend on what your clients buy or what the analysis finds. Employees can see where the analysis stands.
The assessment logic is Forsio's
You have no editorial influence over what the analysis flags. The rules are the same for every client and do not change from one engagement to the next.
The same outcome whatever you sell
The analysis looks the same whether or not you sell the answer to a gap. It does not know what is in your range.
No product suggestions in the underlying data
A flagged gap ends with the employee taking it further with their advisor. Forsio never points to a product or an insurer.
Forsio is the sender
The analysis carries Forsio's name as its sender. The employee sees who made the assessment, and that it is independent of the insurers.
The confidentiality wall
The wall applies to you as well.
Your advisor works for the employer who pays, not for the employee. So the employee's result sits behind the same wall from you as from the employer.
01
Aggregate statistics are the default. To you and to the employer alike.
02
Individual results reaching your advisor require the employee's explicit consent, per person.
03
Groups smaller than the threshold are never shown, to any party.
04
Sensitive classes of insurance are never reported line by line.
The model
A fixed fee per employer.
Forsio charges a fixed fee per employer. Never per outcome, never commission, never a share of what the employees buy afterwards.
That is why the neutrality holds. There is no mechanism through which an insurer could pay to show up better in an analysis, and none through which the outcome could be affected by what anyone sells.
Do you work with individual clients rather than with employers? The advisor workspace is built for that.
Before we meet
A few things to know.
Where does Forsio’s role end and ours begin?
You introduce Forsio to the employer. Forsio produces the source-referenced analysis and makes no product suggestions. Your advice and commercial activity remain separate from its findings.
Can our advisors access individual results?
Not through the employer relationship. Sharing an individual result with your advisor requires that employee’s explicit consent. The employer view contains aggregate statistics only.
Would you like to see how this would look at your clients?
We go through the employee's view, the employer's aggregate view and where your own role sits. We come back to you within three working days.
Forsio is not an insurance intermediary and does not provide insurance advice.