We believe that all companies and their employees, regardless of size should have access to the advantages of a comprehensive, market-leading employee benefits programme, at an affordable cost.
Optimise your employee benefits strategy
Benefits are as important as ever for attraction and retention: Our Global Benefits Attitudes Survey shows that between 2017 and 2024, there's been a 50% increase in the importance of benefits as a reason to take a job. And with nearly three quarters of employers in the UK (71%) in our 2025 Benefits Trends Survey citing rising costs as a key business issue, employers need benefits solutions which are optimised to meet their needs.
Optimal Benefits offers employers a complete employee benefits package. We partner with leading providers in the market to bring you the right solution at the right price and to support you to attract and retain the best talent. Combined with WTW's strong local and global presence, we deliver to our clients more favourable terms and conditions from insurers and other vendors.
We have designed Optimal Benefits with the needs of small and medium-sized businesses to help manage benefit plans in a more efficient manner which will reduce costs and resource management.
Discover Optimal Benefits
With Optimal Benefits, you gain access to a comprehensive range of insurance solutions and relevant services. To make it easier for you to communicate with your employees, all benefits are integrated into our Embark digital communication platform. This gives your employees convenient access to the entire range of services, around the clock, on your PC or smartphone.
Optimal Benefits combines the most important solutions for the protection of your employees with additional benefits such as a digital health platform and advisory services, contributing to the security, satisfaction and wellbeing of your employees.
Why Optimal Benefits?
WTW, a long-established leader in employee benefits advisory, leverages its extensive experience and expertise to create Optimal Benefits. Collaborating with our partners, we design solutions that uphold WTW's high standards of quality and service. These pre-designed solutions simplify the buying process for our clients, ensuring their employees have access to comprehensive benefits. Optimal Benefits offers enhanced terms and conditions usually only available to large organizations.
- Comprehensive product range: Optimal Benefits offers our clients a wide range of employee benefit products. In the UK, we collaborate with leading insurers and wellness providers to create and deliver solutions tailored to the needs of our clients and their employees.
- Sustainable costs: In recent years, the cost of employee benefits has risen significantly (Source: 2025 Benefits Trends Survey) so it's no surprise that costs are the biggest benefits issue for employers. We work with our partners to offer pricing that is competitive within the UK market and is designed to remain sustainable over time".
- Enhanced terms and conditions: By consolidating our clients into a single portfolio, we negotiate terms from insurers and vendors. Leveraging WTW's global and local influence, Optimal Benefits clients gain access to enhanced terms typically reserved for larger organizations.
- Integrated health and wellbeing: Access and cost can be significant challenges for companies who are looking to offer wellbeing benefits to their employees. With digital wellbeing included in many of our solutions, we provide our clients with a meaningful and comprehensive wellness programme at a lower cost.
- Employee engagement: Optimal Benefits clients can access our customised employee portal. We provide employees with information on their benefits all in one place - this helps your employees to understand, engage with and appreciate their benefits programme.
- Simplifies management and administration: Optimal Benefits helps simplify and reduce the administration burden to employers. We support you to reduce the duplication of benefits, understand what employees are engaging with and streamline the onboarding process and day to day administration.
What is included in Optimal Benefits?
Optimal Benefits includes core employee benefits like health, life assurance, income protection, accident and travel insurance products and is supplemented by a choice of ancillary products. You can use the products and services as a complete package or combine the desired components as required. This allows you to put together a tailor-made package of additional benefits that meets the requirements of your company and the wishes of your employees intelligently and efficiently.
The individual components at a glance:
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Private healthcare
Private Medical Insurance (PMI) is a vital element of any benefits package. PMI is a healthcare plan that provides individuals with access to private medical treatment. Policyholders typically get faster access to doctors, tests and treatments. They can also get care in private hospitals or clinics. PMI is popular among those seeking more control over their healthcare options, particularly in terms of waiting times and the quality of facilities.
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Financial protection
Financial protection benefits are offered by employers to provide financial support in the event of illness, injury, or death. They usually cover life insurance, income protection and critical illness. These policies are made to protect both employees and their families. These benefits aim to provide financial security, reduce workplace absenteeism and support employee wellbeing, while also enhancing an employer's ability to attract and retain talent.
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Financial wellbeing
Financial wellbeing benefits refer to a range of employee support programs offered by employers to help workers manage their finances, reduce financial stress, and improve their overall financial health. These include financial education, access to financial advice, salary sacrifice schemes, pension planning, debt management support and savings tools. By promoting financial wellbeing, employers help enhance employees' financial literacy and resilience, helping them make informed decisions about saving, investing, and planning for the future.
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Physical wellbeing
Physical wellbeing benefits are a range of employee health initiatives provided by employers to support the physical health and fitness of their workforce. Benefits typically include access to gym memberships, fitness classes, health screenings, ergonomic workplace equipment, and initiatives to promote a healthy work-life balance. Physical wellbeing benefits are designed to encourage healthy lifestyle choices, prevent long-term health issues and foster a more energetic and engaged workforce, ultimately contributing to both personal wellbeing and organizational success.
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Inclusive wellbeing
Inclusive wellbeing benefits are programs and initiatives designed to support the diverse needs of all employees, ensuring that everyone, regardless of background, identity, or ability, has access to resources that promote overall wellbeing. These benefits often encompass a wide range of support services, including family planning, gender specific health support and social wellbeing resources, tailored to be inclusive of different cultural, gender, and disability needs. By offering inclusive wellbeing benefits, employers aim to create a workplace where all employees feel valued, supported, and empowered to thrive both personally and professionally.
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Healthcare concierge
Our award-winning Healthcare Concierge[1] acts as a single point of contact to streamline healthcare processes, reduce administrative burdens, and ensure individuals receive timely, high-quality care. Designed to enhance the overall healthcare experience, Healthcare Concierge offers expert guidance and making healthcare more accessible, efficient and with proven lower inflation rates than the major healthcare providers, it can deliver significant premium savings on your medical plan.
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Occupational health
Occupational health services can benefit employers by supporting the health and wellbeing of the workforce, leading to increased productivity, reduced absenteeism, and lower healthcare costs. By identifying potential health risks and addressing them early, occupational health services help prevent long-term health issues that could result in extended time off. Furthermore, they can assist in creating a healthier work environment, which can boost employee morale and engagement.
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Expatriate benefits
Expatriate insurances benefits are specialised plans designed to provide coverage for individuals living and working outside their home country. These types of insurances are tailored to meet the unique needs of expatriates, offering access to medical treatment across the globe, including the individual's host and home country. They ensure that expatriates have access to quality healthcare, regardless of their location, providing peace of mind and financial protection in the event of illness or injury while living abroad.
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Modern digital employee experience platform: Embark
Optimal Benefits includes access to our integrated digital platform Embark. Embark helps you engage your workforce by providing valuable and timely information on one or more key topics or across all of the touch points and moments that matter. With features like personalised benefit recommendations, enrolment support, and real-time updates, employees are more likely to fully utilise their benefits. Your employees will have everyone in one place and remove the need to switch between different websites, platforms or files.
How you can benefit from Optimal Benefits
An investment in Optimal Benefits is an investment in your employees and in the future of your company. Overall, you will benefit from:
- Cost efficiencies: As part of the Optimal Benefits portfolio, we can provide access to enhanced terms and features at a lower cost
- Comprehensive cover: Enhancing cover levels and improved terms for your employees
- Competitiveness: In a tight labour market, the right benefits package is important to attract and retain employees who are crucial to their success
- Protection and support: Our package combines essential insurance with innovative solutions and tools and offers comprehensive support for your employees and your HR department
- Transparency: You always have a comprehensive overview of the benefits and costs of your insurance portfolio
- Stay current: With our additional services, you are up to date with the latest developments in the industry. Our analysis of market trends will help you make informed decisions about your benefits
- Wellbeing and productivity: With Optimal Benefits, your employees receive comprehensive support for all aspects of their wellbeing. This makes your employees healthier, happier and therefore more productive
Would you like more information about Optimal Benefits? Then simply fill out the form on the right, or below on a mobile device, and one of our team will contact you to talk through your needs.
