Workplace
Last year's health cover still has people on it.
Which is why "we changed provider" is not the same as "delete the old plan" — and why benefits get tracked in a spreadsheet that nobody wants to touch, alongside a policy document from two renewals ago.
The lifecycle
Drafted, offered, then closed to new joiners.
A plan is drafted before anybody can see it, activated when it is open for enrolment, and archived when it stops being offered.
Archiving closes it to new enrolment. It does not remove it, because people are still on it and their enrolment is a fact about last year that has to stay answerable.
- Health cover · 2026activeopen to enrolment
- Health cover · 2024archivedclosed to new joiners; existing members unaffected
- Wellness allowancedraftnot visible to anybody yet
- Nominees, with the relationships insurers accept —
Chosen from the list a claim form actually uses rather than typed, and each carrying their share — so the nomination is usable at the moment it matters instead of needing interpretation.
- History accumulates, current stays unambiguous —
Cancelled and waived enrolments stay as real rows while exactly one enrolment per person per plan can be live — so "what were they on in 2024" and "what are they on now" are both answerable.
- An enrolment window, enforced on everybody —
A plan opens and closes on dates, and the window binds HR as well — nobody can be quietly back-doored into a closed plan. The refusal names the date it opens.
- Nominee shares must total 100 —
Enforced, with the offending row named when they do not. And the relationships come from the list insurers and trustees actually accept, rather than free text somebody has to interpret at claim time.
- Employees see their own —
In the portal, so "what am I actually covered for" is not a question that reaches HR every renewal.
- Enrolment is a record, not a note —
Who is on what, from when, with their nominees — which is the thing a broker asks for at renewal and nobody can produce.
- Waiving is a decision with a reason —
Refused without one, so "declined cover" is never an absence somebody has to interpret later.
Being exact
It records your plans. It is not an insurance platform.
›Does it connect to our insurer?
No. It records the plans you offer and who is enrolled. There is no integration with a provider, and claims do not run through it.
›What happens to people on an archived plan?
Nothing. Archiving closes it to new enrolment; existing members are unaffected and their enrolment stays on the record.
›Can employees enrol themselves?
Yes — from the portal, during an open window, naming their own nominees and the share each one gets. They can also waive a plan or cancel an enrolment.
›Does anything deduct the cost from pay?
No. Employee and employer cost are recorded against the plan and shown to the employee, but nothing flows into payroll. If a contribution has to be deducted, that is a payroll component today.
›Can we offer a plan to one band or one company only?
Not today — eligibility is the window, not the person. A plan is offered to everybody or nobody, which is the limit most likely to bite a group with several entities.
›Does it cover dependants?
No. Nominees are beneficiaries, not the people covered, and there are no coverage tiers. If self-plus-family is how your policy is structured, this records who is enrolled rather than who is under the policy.
›Does it cost anything in payroll terms?
Benefit plans here are a register. Anything deducted or contributed runs through payroll components, which is where the money actually moves.
Book a demo
Archive a plan with people on it.
Then check that they are still on it, and that nobody new can join.