Future of Health & Protection Summit 2025

Networking breakfast and registration

8.45am – 9.15am GMT, 13 March 2025 ‐ 30 mins

Networking and refreshment

Welcome and introduction

9.15am – 9.30am GMT, 13 March 2025 ‐ 15 mins

Welcome and introduction

Speakers

Debi O'Donovan

Co-founder & Director, REBA

Find out more

Opening keynote: Aligning health, risk and ROI to create a resilient multinational workforce

9.30am – 10am GMT, 13 March 2025 ‐ 30 mins

Keynote

As global health and medical trends evolve, multinational employers must bridge the gap between people and corporate risks to ensure optimal employee wellbeing and measurable improvements in health outcomes. Join Richard Heron, expert advisor to the World Economic Forum on health, work and organisations as he shares actionable insights to drive boardroom conversations, foster integrated risk perspectives across functions and future-proof health strategies.

• Emerging global health and medical trends: preparing for what’s coming next
• Securing board buy-in: the critical questions and key data points you need to know to support the ROI conversation
• Creating a shared view of risk: how integrated collaboration across HR, benefits, health and risk teams can drive improved outcomes (and reduce wasted wellbeing investment)
• Practical examples and key takeaways you can implement today

Speakers

Richard Heron

Chief Medical Officer and Vice President for Health and Wellbeing

Find out more

Workshop session 1

10.10am – 11.10am GMT, 13 March 2025 ‐ 1 hour

Workshop sessions will run concurrently – the attending delegates will be able to choose 1 topic during each of the two workshop sessions throughout the day. Outline workshop topics include:

Potential topics and areas of focus include:

Global medical trends: cost and risk implications for health and protection insurance over the next 2-5 years

• Identifying key medical risks for your employee population and specific country risks to prioritise focus
• Ensuring your insurance and protection insurances are fair, equitable an inclusive in the face of rising costs
• Leveraging and maximising value-added services for greater efficiency
• Aligning corporate and employee benefits risk for more stability and predictability
• Impact of mobility and employee expectations around employer-funded healthcare provision

Balancing a global wellbeing strategy with the specific State and health insurance needs of local markets

• Rethinking employer-funded health design to compliment local health state provision by asking the right questions
  • How does employer-funded healthcare in a specific country relate to the local healthcare system?
  • Understanding how providers and consultants regulated in local markets and how this impacs health insurance
• Boosting take-up and improvements in employee health - creating communications for a global population with different local needs by ensuring health promotion is linked to the specific health risks per country
• Understanding cultural nuances and maturity levels (on key health issues) and how this impacts access to healthcare and service levels across territories

Using Multinational Pooling or Captives for cost efficiency and better control of risks

• Exploring how Multinational Pooling, Captives and Global Underwriting works and whether it’s right for your organisation
• Access to global data insights: understanding how the different global employer-funded options can be powerful tools for global organisations

Impact of AI and advances in medical tech in shifting clinical journeys and employee experiences

• End-to-end pathways – using innovative technologies to transform health outcomes for employees
• Where is the investment coming from and how will it benefit all parties?
• The impact of medical advances, tech and new treatments on insurance costs
• The role of reward and benefits directors in having the difficult conversations (for example, whether to allow access to the latest experimental treatment for one employee, issues around precedent setting and so on)

Managing and mitigating health risks and costs: driving value for spend through preventative and rehabilitative wellbeing services

• Managing health to manage cost through preventative health and wellbeing products and services
• How to drive more value from your suppliers
• The hidden cost benefits and savings of extending cover to family members
• Addressing ageing workforce risks
• What are insurers doing to improving rehabilitation options?
• Using data insights to identify employee and country-specific risks across your organisation and aligning with OH services

Shifting responsibility and empowerment: balancing employer and employee responsibility

• Be creative in benefits design to reduce costs and give people choice and ownership
• Managing employee expectations and demand around healthcare benefits
• How to measure employee contribution to their health – where should employers start and stop their line of responsibility?
• Understanding the barriers to behaviour change and what drives and motivates different employees populations
• Personalising healthcare for multi-generational workforce 
• What’s the experiential impact that you want your employees to have through the insurance mechanism (impact on talent attraction and retention)?
• Education and health promotion campaigns to help/encourage people on how to live well for longer

Using health data to understand the health risks in your organisation and make informed decisions

• Using aggregated data from risk insurances, PMI, health checks, OH data to build a better picture of the health risks specific to your employee population
• Who is claiming for what and how can you act more effectively on the data (for example, how are musculoskeletal claims different for different generations?)
• Make use of absence data – what does it tell you, longevity of staff by generation – to help better understand preferences
• Create a Health board to support co-ordinated data insights and difficult decision-making

Where next for group protection insurances: how this key employee benefits is changing

• How will protection insurance landscape evolve over next 2-5 years?
• How increased support services and virtual GPs will shift premium and claims
• The impact of changing claims on future product offerings
• Will we continue to see a move from whole life cover to term life cover – what are providers, insurers and employers doing in this space?
• Impact of later or no retirement age across countries on future claims levels
• Role of vocational rehabilitation, OH and independent review
• The rising interest in job redesign and new ways of working to keep people in work and reduce claims

Is a Healthcare Trust the right option for your organisation?

• Exploring viability, impact, costs, experience and administration of healthcare trusts
• What are the key criteria to have in place before considering a trust
• What are the design pros and cons of a trust for your workforce

Navigating global medical trends: the costs and risks coming down the line

10.10am – 11.10am GMT, 13 March 2025 ‐ 1 hour

Workshop

To support understanding of the impact of global medical trends and what’s driving up healthcare costs and how employers can anticipate and plan for the financial and people risk impacts of these trends.

The drive for value: maximising return on spend on private health benefits

10.10am – 11.10am GMT, 13 March 2025 ‐ 1 hour

Workshop

What key metrics should you focus on and how linking employee health outcomes to productivity, retention and reduced absence to secure ongoing investment. How you can use health data analytics more effectively to identify hot spots and adjust and review offerings for better value.

Leveraging AI and digital tools for enhanced clinical pathways and cost reduction

10.10am – 11.10am GMT, 13 March 2025 ‐ 1 hour

Workshop

The transformative role AI and digital tools can play in improving clinical pathways, streamlining healthcare delivery, elevating the employee experience and controlling rising healthcare costs.

Proactive health management: cost control through prevention and rehabilitation services

10.10am – 11.10am GMT, 13 March 2025 ‐ 1 hour

Workshop

Effective mitigation strategies for long-term cost management and building the business case for prevention - the role of early intervention, targeted health programmes and comprehensive rehab support etc.

Using health data more effectively to drive better employee health outcomes

10.10am – 11.10am GMT, 13 March 2025 ‐ 1 hour

Workshop

Getting precise clinical outcome data is complex and challenging but will be critical to securing future investment in private health benefits. What are the right questions to ask, how can you establish the right metrics and measures and how can you leverage insights to make evidence-based decisions that help forecast health risks and improve health outcomes?

The shifting healthcare ecosystem: How the way employers buy health and protection benefits is evolving

10.10am – 11.10am GMT, 13 March 2025 ‐ 1 hour

Workshop

The unbundling and bundling of insurance and specialised private medical services. Exploring how the healthcare ecosystem is shifting and evolving as employers rethink, redesign and carefully select specific products and services that focus on delivering the right support for their workforce profile and meet the budget expectations they have to work with.

Addressing whole of workforce health

10.10am – 11.10am GMT, 13 March 2025 ‐ 1 hour

Workshop

Amid rising public health challenges and increasing absence rates, what actionable steps can employers take to bridge the healthcare gap and create a more inclusive approach that supports the health needs of all employees and aligns with wider corporate goals.

Understanding which financing option is right for your organisation

10.10am – 11.10am GMT, 13 March 2025 ‐ 1 hour

Workshop

PMI, healthcare trusts, captives, multinational and multi-employer pooling: understanding and evaluating the right solution for your business.

Morning coffee break

11.10am – 11.35am GMT, 13 March 2025 ‐ 25 mins

Networking and refreshment

Spotlight session: Understanding claims drivers, why costs are increasing and the health risks coming down the line

11.35am – 12.35pm GMT, 13 March 2025 ‐ 1 hour

A series of three short sharp spotlight talks from leading industry commentators that provide insights and latest thinking on big picture issues and the key emerging themes and trends.

Spotlight 1: REBA state of the nation update

11.35am – 12.35pm GMT, 13 March 2025 ‐ 1 hour

Spotlight talk

Speakers

Debi O'Donovan

Co-founder & Director, REBA

Find out more

Spotlight 2: The future health risks facing a multigenerational workforce

11.35am – 12.35pm GMT, 13 March 2025 ‐ 1 hour

Spotlight talk

Speakers

Speaker to be confirmed

Find out more

Spotlight 3: Integrating people, corporate and wider strategic risk perspectives to drive improved employee health outcomes and ROI

11.35am – 12.35pm GMT, 13 March 2025 ‐ 1 hour

Spotlight talk

Speakers

Speaker to be confirmed

Find out more

Spotlight Q&A

11.35am – 12.35pm GMT, 13 March 2025 ‐ 1 hour

Spotlight talk

Networking table exercise hosted by REBA

12.35pm – 1pm GMT, 13 March 2025 ‐ 25 mins

Networking and refreshment

Join forces with fellow attendees for a bit of light-hearted fun and networking. Compete with other tables in REBA’s pre-lunch quiz on all things health and protection!

Seated networking lunch

1pm – 2.15pm GMT, 13 March 2025 ‐ 1 hour 15 mins

Networking and refreshment

Workshop session 2

2.15pm – 3.15pm GMT, 13 March 2025 ‐ 1 hour

Workshop sessions will run concurrently – the attending delegates will be able to choose 1 topic during each of the two workshop sessions throughout the day. Outline workshop topics include:

Potential topics and areas of focus include:

Global medical trends: cost and risk implications for health and protection insurance over the next 2-5 years

• Identifying key medical risks for your employee population and specific country risks to prioritise focus
• Ensuring your insurance and protection insurances are fair, equitable an inclusive in the face of rising costs
• Leveraging and maximising value-added services for greater efficiency
• Aligning corporate and employee benefits risk for more stability and predictability
• Impact of mobility and employee expectations around employer-funded healthcare provision

Balancing a global wellbeing strategy with the specific State and health insurance needs of local markets

• Rethinking employer-funded health design to compliment local health state provision by asking the right questions
  • How does employer-funded healthcare in a specific country relate to the local healthcare system?
  • Understanding how providers and consultants regulated in local markets and how this impacs health insurance
• Boosting take-up and improvements in employee health - creating communications for a global population with different local needs by ensuring health promotion is linked to the specific health risks per country
• Understanding cultural nuances and maturity levels (on key health issues) and how this impacts access to healthcare and service levels across territories

Using Multinational Pooling or Captives for cost efficiency and better control of risks

• Exploring how Multinational Pooling, Captives and Global Underwriting works and whether it’s right for your organisation
• Access to global data insights: understanding how the different global employer-funded options can be powerful tools for global organisations

Impact of AI and advances in medical tech in shifting clinical journeys and employee experiences

• End-to-end pathways – using innovative technologies to transform health outcomes for employees
• Where is the investment coming from and how will it benefit all parties?
• The impact of medical advances, tech and new treatments on insurance costs
• The role of reward and benefits directors in having the difficult conversations (for example, whether to allow access to the latest experimental treatment for one employee, issues around precedent setting and so on)

Managing and mitigating health risks and costs: driving value for spend through preventative and rehabilitative wellbeing services

• Managing health to manage cost through preventative health and wellbeing products and services
• How to drive more value from your suppliers
• The hidden cost benefits and savings of extending cover to family members
• Addressing ageing workforce risks
• What are insurers doing to improving rehabilitation options?
• Using data insights to identify employee and country-specific risks across your organisation and aligning with OH services

Shifting responsibility and empowerment: balancing employer and employee responsibility

• Be creative in benefits design to reduce costs and give people choice and ownership
• Managing employee expectations and demand around healthcare benefits
• How to measure employee contribution to their health – where should employers start and stop their line of responsibility?
• Understanding the barriers to behaviour change and what drives and motivates different employees populations
• Personalising healthcare for multi-generational workforce 
• What’s the experiential impact that you want your employees to have through the insurance mechanism (impact on talent attraction and retention)?
• Education and health promotion campaigns to help/encourage people on how to live well for longer

Using health data to understand the health risks in your organisation and make informed decisions

• Using aggregated data from risk insurances, PMI, health checks, OH data to build a better picture of the health risks specific to your employee population
• Who is claiming for what and how can you act more effectively on the data (for example, how are musculoskeletal claims different for different generations?)
• Make use of absence data – what does it tell you, longevity of staff by generation – to help better understand preferences
• Create a Health board to support co-ordinated data insights and difficult decision-making

Where next for group protection insurances: how this key employee benefits is changing

• How will protection insurance landscape evolve over next 2-5 years?
• How increased support services and virtual GPs will shift premium and claims
• The impact of changing claims on future product offerings
• Will we continue to see a move from whole life cover to term life cover – what are providers, insurers and employers doing in this space?
• Impact of later or no retirement age across countries on future claims levels
• Role of vocational rehabilitation, OH and independent review
• The rising interest in job redesign and new ways of working to keep people in work and reduce claims

Is a Healthcare Trust the right option for your organisation?

• Exploring viability, impact, costs, experience and administration of healthcare trusts
• What are the key criteria to have in place before considering a trust
• What are the design pros and cons of a trust for your workforce

Navigating global medical trends: the costs and risks coming down the line

2.15pm – 3.15pm GMT, 13 March 2025 ‐ 1 hour

Workshop

To support understanding of the impact of global medical trends and what’s driving up healthcare costs and how employers can anticipate and plan for the financial and people risk impacts of these trends.

The drive for value: maximising return on spend on private health benefits

2.15pm – 3.15pm GMT, 13 March 2025 ‐ 1 hour

Workshop

What key metrics should you focus on and how linking employee health outcomes to productivity, retention and reduced absence to secure ongoing investment. How you can use health data analytics more effectively to identify hot spots and adjust and review offerings for better value.

Leveraging AI and digital tools for enhanced clinical pathways and cost reduction

2.15pm – 3.15pm GMT, 13 March 2025 ‐ 1 hour

Workshop

The transformative role AI and digital tools can play in improving clinical pathways, streamlining healthcare delivery, elevating the employee experience and controlling rising healthcare costs.

Proactive health management: cost control through prevention and rehabilitation services

2.15pm – 3.15pm GMT, 13 March 2025 ‐ 1 hour

Workshop

Effective mitigation strategies for long-term cost management and building the business case for prevention - the role of early intervention, targeted health programmes and comprehensive rehab support etc.

Using health data more effectively to drive better employee health outcomes

2.15pm – 3.15pm GMT, 13 March 2025 ‐ 1 hour

Workshop

Getting precise clinical outcome data is complex and challenging but will be critical to securing future investment in private health benefits. What are the right questions to ask, how can you establish the right metrics and measures and how can you leverage insights to make evidence-based decisions that help forecast health risks and improve health outcomes?

The shifting healthcare ecosystem: How the way employers buy health and protection benefits is evolving

2.15pm – 3.15pm GMT, 13 March 2025 ‐ 1 hour

Workshop

The unbundling and bundling of insurance and specialised private medical services. Exploring how the healthcare ecosystem is shifting and evolving as employers rethink, redesign and carefully select specific products and services that focus on delivering the right support for their workforce profile and meet the budget expectations they have to work with.

Addressing whole of workforce health

2.15pm – 3.15pm GMT, 13 March 2025 ‐ 1 hour

Workshop

Amid rising public health challenges and increasing absence rates, what actionable steps can employers take to bridge the healthcare gap and create a more inclusive approach that supports the health needs of all employees and aligns with wider corporate goals.

Understanding which financing option is right for your organisation

2.15pm – 3.15pm GMT, 13 March 2025 ‐ 1 hour

Workshop

PMI, healthcare trusts, captives, multinational and multi-employer pooling: understanding and evaluating the right solution for your business.

Employer case studies: Practical solutions and secrets to success

3.25pm – 4.25pm GMT, 13 March 2025 ‐ 1 hour

Employer Case Studies

This session brings together benefits leaders from three diverse organisations – varying in size and sector – to share how they have tackled the unique challenges of managing employer-funded healthcare for a multinational workforce. Each case study will outline the issue, how they overcame the challenges along with practical insights, key outcomes and impacts for their organisation and employees.

Case study presentations will be followed by discussion and Q&A.

Facilitated networking drinks

4.25pm – 5pm GMT, 13 March 2025 ‐ 35 mins

Networking and refreshment