We focus on two things: Our clients and employee benefits. Our clients range in size, but we remain streamlined enough to offer highly personalized service.

1. Employee Benefits
   Employee Benefits consists of coverage for staff like Group Hospitalisation, Outpatient, Dental, Maternity, Health Screening, Term Life, Personal Accident, etc. This coverage are retention tool for most organisations. It is crucial to ensure that you are offering provisions of coverage at market practise. Our expertise are having many years of experiences in managing the EB market and are able to structure, organise and manage them to avoid unnecessary hike in medical costs. With the current Pandemic, this has become essential in hiring too.
2. Retirement Programs
   Most employers does not want to take care of retirement programs. It is tedious and costly to do so. At Valor, we specialises in this matter, we will take care of the employees post retirement to ensure that they are able to continue to enjoy their benefits without worrying about financing. We are specialises in Financial Planning and able to structure a retirement funding to enable them to have less risk exposure after retirement.
3. Group Term Life Insurance
   Companies who offers Group Term Life are able to hedge their funding to compensate for any unforeseen deaths. This can also be a factor to mitigate risk of having to incur compensations to clients on contracts not being able to deliver on time due to sudden deaths of senior management staff.
4. Travel Insurance
   Most companies does not practise having an insurance policies in place in the past. The last two years has indeed changed this perspective. There is not only a travel coverage required, but also a high level coverage to include COVID-19 treatments and evacuations, as it is a mandatory requirements for any countries to allow the passengers to enter at the immigration centres.
5. Administration of Medical Benefits
   There are organisations that chooses to go with self funding, we are able to structure the program to allow minimal risk exposure and maximum stretch of the budget available. We can design a program that suits your environment but also manages the costs so that in the long run it will not be increasing higher than the budgeted amount.
6. Flexi-Benefits Program
   Flexi Benefits are currently back in the market after the rise in the pandemic. More employers realises that with the new Gen Y employees in their group, they have to switch to more attractive programs. In fact every individual will have their needs and request to be met, having to manage this internally would be quite resource draining. At Valor, we are able to structure and automate them with the AI Technology in place.
7. Wellness Program
   Many doesn’t realise that having a company Wellness Program allows a more productive and efficient workforce. The Harvard University had performed a research on some of the multinationals and found that it even helps the company to grow many times more by just spending some allocation in this area. As the saying goes, You can't enjoy wealth, if you're not in good health.
8. HR Compensation and Benefits Program management
   As we enter into the 5G internet accessibility, there are many types program which are being automated. HR services like payroll, attendance, leave management, claims reimbursement management, setting and monitoring KPI, performance evaluation, etc. This is in fact the continuation of the employee benefits program.