How it works

A transparent and fair model of health cover

Invest in the health of your team, for the good of your team

Small businesses get a raw deal from health insurers

1
Having a small number of employees makes you volatile: one-off claims trigger big price hikes
2
Insurers hold all the data and all the power. There is no transparency about how your money is used
3
Small size means no bargaining power. No-one is in your corner. No-one is acting on your behalf

Mosaic is a new approach to health cover

We are not insurance

Instead, member companies join together to build a fund

A Mosaic.

Contributions are ringfenced and dedicated to your healthcare

We manage the fund on your behalf
How our fund work.

Ringfence funds for health

Membership fees are locked in for your healthcare

Fund performance is transparent and shared with you

You can see how the fund is being used.

Our fee-for-service model

Mosaic Health takes a 20% service fee to manage the fund.

We don't make more money for refusing claims.

Clear, transparent and fair.
Mosaic uses tax optimization to get you more healthcare

Money left over?
You tell us how to use it

The money in the fund is not ours to take as profit

Any surplus is there for you the following year

Or, it can be re-invested back into global health

If you choose to re-invest, we will match it from our fee.
The Bigger Picture

Get started by creating your healthcare plan

Join the Mosaic

Small businesses get a raw deal from health insurers

1
Having a small number of employees makes you volatile: one-off claims trigger big price hikes
2
Insurers hold all the data and all the power. There is no transparency about how your money is used
3
Small size means no bargaining power. No-one is in your corner. No-one is acting on your behalf