RibiRewards Benefits vs the alternatives

We already have a group HMO — why add this?

An HMO covers hospitalisation and clinical care. It does not cover daily expenses like meals and transport, gym passes or therapy, phone bills or learning costs. RibiRewards Benefits is the flexible layer that sits on top of your HMO and covers everything else.

Can we not just give employees a cash allowance?

You can — and some employers do. But cash allowances attract PAYE at the marginal rate, lose their perceived value as benefits, and give you no visibility into what employees actually value. A structured benefits platform has 30–40% higher perceived value per currency unit spent.

We are not big enough for a benefits platform.

We work with companies from 10 employees upward. The platform is designed to scale — the same dashboard that works for a 20-person startup works for a 1,200-person manufacturer. There is no minimum size requirement.

Multi-country seems complex.

Multi-country is where RibiRewards is most useful. Managing separate vendor relationships per country — different currencies, invoices, contacts — is exactly the problem the platform solves. One dashboard, one invoice, every market.