Benefits comparison
Benefits vs HMO: why your team needs both
An HMO plan handles hospitalisation and acute medical care. It does not handle gym access, meal allowances, or transport credits. These are different product categories solving different employee needs — and treating them as substitutes leaves your team with gaps.
The old approach
- Salary increments absorbed into daily expenses
- No association between spend and employer
- Perceived as obligation not care
- Hard to track what it bought in employee wellbeing
With RibiPeople
- Named credit employees spend on what matters to them
- Every spend moment associated with your company
- 30-40% higher perceived value than equivalent cash
- Real-time utilisation data for HR and Finance
TALK TO US
Want to add rewards alongside your HMO?
Most companies start with 3-5 categories and expand over time. We will help you pick the right combination for your team and 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.”
