For HR teams in Malaysia

Your renewal quote is an opening offer. Walk in ready.

The 90-Day Group Medical Renewal Playbook shows you what to ask your insurer for, how to read your claims numbers, and when to negotiate, redesign or switch, so you're not signing off in the year-end rush.

Get the playbook

Free playbook · Sign-off summary template included

What you'll learn

A day-by-day renewal timeline, from your first data request at Day −90 to post-renewal tracking
The five claims data points to request from your insurer, and how to read your loss ratio
Five questions to ask in the renewal meeting, and what a good answer sounds like
A one-page sign-off summary for finance and leadership

3,000+companies across Malaysia, Indonesia and Singapore

USD 800Min claims processed

Why this matters now

Your insurer comes to renewal with your claims data. Do you?

Aon projects Malaysia's medical trend rate at 14.7% for 2027
Your increase is market trend plus your own claims experience, and only the second is yours to question
One or two large claims can distort a whole year, unless you ask for them to be smoothed
Most renewals land in the busiest month of the year, when there's least time to push back

Inside the playbook

Four parts, one 90-day plan for your next renewal

The 90-day timeline

Nine milestones from Day −90 to Day +30, and where to jump in if you're starting late.

Your data, decoded

What to request, what to do if it "isn't available", and the red and green flags in your claims.

Negotiate, redesign or switch

Five renewal-meeting questions, a plan redesign options matrix, and when switching insurer makes sense.

Sign-off and tracking

A one-page summary for finance and leadership, employee comms pointers, and the monthly metrics to watch.

Free access

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Enter your details and we'll take you straight to the playbook, with the sign-off summary template ready to use.