Health insurance,from quote to claim

Yes. Appoint Kota and nothing about your policy changes. At renewal, our benefits team quotes your current insurer alongside others, so you can compare them side by side.

Not on a group scheme, where everyone has the same cover. If you want choice, add a cash plan and they claim back everyday costs like dental, optical, and physio.

Anywhere from an hour to four weeks, depending on the size of your team and whether we’re quoting a new scheme.

They come off cover the day they leave, so you stop paying for them. If their insurer offers a way to continue cover, Kota’s agent tells them.

Kota connects to your HRIS, so joiners and leavers come through on their own. Anything else is one tap in Kota, effective that day.

Not if we take over your scheme, because nothing about the policy changes. If you switch insurer, our benefits team asks for your existing terms to carry over, so your team doesn’t start again.

Your insurer sets the premium, and our benefits team quotes the market so you see the range. As a broker, insurers pay us the commission. For your team, Kota charges one per-employee fee for platform access, whatever benefits you run.

A group policy a company buys for its people that pays for private treatment: consultations, diagnostics, and hospital stays, plus mental health, dental, and optical cover on some plans.