5 Compelling Reasons Your Organisation Should Bundle Healthcare and Funeral Cover for Employees
Employee benefits are no longer just a “nice addition” to a compensation package. In today’s competitive market, organisations must offer meaningful, accessible, and cost-effective support that genuinely improves the lives of their employees.
One of the most powerful and practical ways to do this is by bundling healthcare and funeral cover into a single, integrated benefits solution.
This combined approach strengthens employee wellbeing, provides financial protection for families, supports recruitment and retention, and creates a healthier, more resilient workforce.
At 98 Degrees Group, our bundled healthcare and funeral cover solutions are designed to give organisations the best possible support at an affordable cost.
1. It Provides Comprehensive Financial Protection
Healthcare protects employees during illness; funeral cover protects their families during loss.
Together, they create a safety net that ensures employees and their loved ones are supported in life’s most difficult moments.
By bundling these benefits, you help employees avoid:
sudden out-of-pocket medical expenses
financial stress during illness
high funeral costs
the burden placed on family members
This level of support brings peace of mind, allowing employees to focus on their work and wellbeing.
2. Bundles Are More Affordable Than Purchasing Benefits Separately
One of the biggest advantages of bundled benefits is cost efficiency.
When healthcare and funeral cover are combined under one provider, organisations benefit from:
lower premiums
simplified administration
reduced duplication of costs
better-negotiated group rates
This enables even small and medium-sized businesses to offer meaningful benefits without inflating their HR budgets.
3. It Improves Employee Satisfaction and Loyalty
Employees stay longer in organisations that value their wellbeing beyond the workplace.
Bundling healthcare and funeral cover shows your employees that you care about:
their day-to-day wellness
their family’s security
their long-term financial stability
This builds loyalty, reduces turnover, and enhances your organisation’s reputation as a caring and responsible employer.
4. It Creates a Simpler, More Efficient Benefits System
Managing multiple benefit providers is time-consuming and often confusing for both HR teams and employees.
A bundled solution offers:
one point of administration
one set of documents
consolidated billing
a single point of contact for claims
faster support and communication
This eliminates complexity and ensures employees receive benefits quickly and efficiently.
5. It Supports a Healthier, More Productive Workforce
Healthy employees perform better.
Employees with access to medical care, telemedicine, screenings, and wellness programmes experience:
fewer sick days
better mental health
improved morale
higher productivity
reduced long-term medical issues
Funeral cover, meanwhile, offers emotional and financial relief to families in times of loss, reducing stress-related absenteeism and helping workers return to stability sooner.
Bundled benefits strengthen both the physical and emotional wellbeing of your team.
Who Benefits Most from Bundled Healthcare and Funeral Cover?
This solution is ideal for:
small and medium-sized businesses
corporates and large organisations
unions and membership groups
industries with high workforce risk
companies wanting to improve retention
organisations with cost-sensitive benefit structures
Any group that prioritises affordability, efficiency, and employee wellbeing will benefit.
Why Choose 98 Degrees Group for Bundled Solutions
We design bundled healthcare and funeral plans that offer:
flexible benefit levels
scalable structures for any group size
fast and supportive claims processing
cost-effective premiums
integrated administrative support
value-driven, employee-focused solutions
Our team ensures that your benefits meet the needs of both the organisation and its employees.
Invest in Your Team’s Wellbeing and Stability
Bundling healthcare and funeral cover is one of the simplest and most effective ways to support your employees while strengthening your organisation’s financial and operational stability.
If your organisation wants to:
reduce benefit costs
simplify administration
offer meaningful protection
improve employee retention
create a healthier workplace
Then a bundled solution from 98 Degrees Group is the ideal next step.
Your employees deserve comprehensive care — and your organisation deserves a benefits system that works.