COMPARE YOUR OPTIONS
Rewards vs HMO-only vs cash allowances
HMO only. Cash allowances. Nothing at all. Here is how the options stack up for African employers — feature by feature.
| Feature | RecommendedRibiPeople | HMO only | Cash allowance | No benefits |
|---|---|---|---|---|
| Meal and food rewards | ||||
| Transport and fuel rewards | ||||
| Airtime and data | ||||
| Fitness, spa and self-care rewards | ||||
| Hospital and clinical cover | ||||
| Employees choose what they get | ||||
| Feels like a reward, not salary | ||||
| Multi-country from one workspace | ||||
| Spend and redemption reports | ||||
| Automated birthdays and anniversaries | ||||
| Employee app and RewardShop |
Common questions
Objections we hear — and the answers
We already have a group HMO — why add this?
An HMO covers hospitalisation and clinical care. It does not cover daily expenses like meals and transport, gym passes, phone bills or a well-earned treat. RibiPeople rewards sit alongside your HMO; they don't replace it.
Can we not just give employees a cash allowance?
You can — and some employers do. But cash allowances attract PAYE at the marginal rate, lose their perceived value as benefits, and give you no visibility into what employees actually value. A structured benefits platform has 30–40% higher perceived value per currency unit spent.
We are not big enough for a benefits platform.
We work with companies from 10 employees upward. The platform is designed to scale — the same dashboard that works for a 20-person startup works for a 1,200-person manufacturer. There is no minimum size requirement.
Multi-country seems complex.
Multi-country is where RibiPeople is most useful. Managing separate vendor relationships per country — different currencies, invoices, contacts — is exactly the problem the platform solves. One dashboard, one invoice, every market.
Want to model the numbers for your company?
Use the ROI calculator to estimate your retention savings and productivity gains.
TALK TO US
Give your people value they'll use
Talk to our team about allowances and everyday rewards across your markets.
“RibiPeople makes it easy for us to recognise our teams across different countries. The choice and local relevance of the rewards really makes a difference.”
