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Independent Employee Benefits Consultants for SMEs

Independent Employee Benefits Consultants for Smes.

Independent employee benefits consultants providing clear, trusted advice for growing SMEs.

One partner, expert guidance, and competitive employee benefits that attract and retain top talent.

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Trusted by Leading SMEs
"From the outset, Zhoosh made the entire process simple, efficient, and fully aligned with our company values. They supported us every step of the way - from identifying the right benefits and managing costs to overseeing project delivery and designing a smooth and engaging launch. It was especially reassuring to know that their team of experts are always available to support our employees and answer any questions"
WTF Creative
“The service we have received from Zhoosh Benefits has been exceptional, from our initial enquiry through to Zhoosh delivering a concise and clear presentation on our new benefits, to the whole People Untapped Team. In addition, the ongoing help and support we have received has been invaluable and first-class. We would thoroughly recommend Zhoosh Benefits”
People Untapped
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Independent Employee Benefits Consultants for SMEs.

Zhoosh is an independent, specialist employee benefits broker supporting SMEs across the UK.

Our team of experienced employment benefit consultants and in-house benefit advisers deliver tailored guidance, competitive pricing and full-market access – ensuring your benefits strategy supports both your people and your long-term business goals.

We provide a broker-led service grounded in independent thinking, transparent advice and consultative expertise.

Instant Price Estimate.

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The below figures are for illustrative purposes. For a completely free full benefit review with one of our experts Contact Us Today

Life Insurance

Life Insurance pays a multiple of an employee’s salary on death of that employee whilst employed by the company. The tax-free lump sum is paid by the insurer directly to the beneficiaries of the employee. Employees on sick leave can continue to be covered for up to 3 years after their last working day.
Based on a payout of
The quote assumes a low-risk occupation category (office-based workers). It also assumes that travel overseas is minimal and all employees to be covered are actively working and not on long term sick leave.

Critical Illness

Critical Illness Insurance pays a multiple of an employee’s salary on diagnosis of a pre-defined critical illness. The tax-free lump sum is paid by the insurer directly to the employee. There are usually around 40 critical illnesses that are covered. The main conditions being heart attack, cancer & stroke.
Based on a payout of
Please note that critical illness does not cover pre-existing diagnoses prior to joining the company or prior to the cover start date. The quote assumes a low-risk occupation category (office-based workers). It also assumes that travel overseas is minimal and all employees to be covered are actively working and not on long term sick leave. Employer National Insurance would also be payable in addition to the scheme premium.

Income Protection

Income Protection Insurance pays a proportion of an employee’s salary to the employer in order that the employer may continue to pay the employee whilst they remain on sick leave. The income is taxed on the employee as their usual monthly salary would be.
Based on a payout of
Cover period
The quote assumes a low-risk occupation category (office-based workers). All quotes assume a 13-week deferral period (so 13 weeks of sick leave required before the benefit starts). In addition, the benefit paid will not increase in payment. The quote will allow for the employer National Insurance to be covered, but no continued funding of pension contributions in favour of the employee.

Cash Plan

A cash plan provides an annual allowance for everyday healthcare expenses. Separate allowances are usually provided for dental, optical, therapies and alternative therapies. The plans can also include some hospital expenses which might be suitable if Private Medical is not being provided to employees.
Level of cover
Employer National Insurance would also be payable in addition to the scheme premium.

Plans provide for £60/£120/£180 annual contribution toward dental costs plus a further £60/£120/£180 allowance toward optical expenses plus a £100/£200/£300 allowance each year toward therapies like a physiotherapist. Typically, these plans also provide access to an online discounted shopping portal.

Financial Advice

This benefit provides employees with direct access to financial advice. Typical areas of advice that are provided include retirement planning, family protection, investments, mortgages and estate planning and wills. A confidential meeting is provided for 45 minutes between a qualified financial adviser and the employee. Meetings are provided via an online video call and employees are provided with unlimited access to the adviser’s diary to enable them to book a meeting.
The quote assumes that you would like to provide employees with unlimited access to the financial adviser’s diary. Please note that the fee displayed includes VAT.

Gym Discount

Provide employees with access to discounted gym memberships with over 3,000 UK gyms.

Employee Assistance

An employee assistance programme provides employees with access to confidential counselling and advice on a wide range of work and personal issues. Typically, employees are provided access to counsellors, legal, health and financial professionals.
Level of cover
Select whether you would like to include a discounted shopping portal for employees to be able to use as well as an Employee Assistance Programme.

Private Medical Insurance

Private Medical Insurance provides employees with fast access to private medical care allowing employees to resolve any acute medical conditions quickly allowing them to return to work more quickly.
Underwriting method
If you require employees to be covered for pre-existing medical conditions on joining the scheme, please select “Medical History Disregarded”. “Moratorium” underwriting means employee pre-existing medical conditions in the 5 years preceding the employee joining date are excluded from cover. Over time, the medical condition can be covered. The requirement for this is usually that the employee has held the policy for 2 years and had no reoccurrence of that condition nor required any follow ups regarding the condition.

Dental

Dental Insurance ensures that employees can be reimbursed for their dental expenses to varying degrees. A standard plan will allow for 2 annual trips to the dentist and hygienist and will provide a £450 fund toward the cost of restorative dental treatments as well as providing separate allowances for fillings of £250 and extractions of £150.
Plan type
This benefit would attract additional employer National Insurance costs which need to be allowed for.

Travel Insurance

Whether to cover employees working overseas or just holidaying abroad, travel insurance will provide employees with all year round cover without the need to take out their own policy. Winter sports are usually included as standard.
This benefit would attract additional employer National Insurance costs which need to be allowed for.

Reward and Recognition

Get up to 50% discounts on flexible gym memberships with access to over 3000 gyms in the UK across a huge range of brands
Plan type

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All figures given are for illustrative purposes only. Please contact us for an accurate & detailed quote.

Get an accurate quote.

The above figures are for illustrative purposes. For a completely free full benefit review with one of our experts – pop your details in below.

All figures given are for illustrative purposes only. Please contact us for an accurate & detailed quote.

Why Choose Zhoosh Benefits?

SME-First
Expertise.
A service designed exclusively for organisations with 10-250 employees, ensuring proactive, attentive support.
Independent
Broking.

Access the entire market with guidance from impartial employee benefits consultants – no tied products, no hidden agendas.

Talent &
Retention Focus.
Strengthen your employee value proposition with a benefits package that supports attraction, engagement and retention.
Culture
Alignment.
Build benefits that reinforce your organisational values and demonstrate genuine commitment to your people.
Tailored &
Personalised.
Your benefits strategy is shaped around your budget, workforce needs and growth plans.
Streamlined
Administration.

If needed, our optional flexible benefits platform can simplify onboarding and administration – but the broker service can also stand on its own.

Stronger
Engagement.

Clear communication and accessible support ensure employees understand and value the benefits you provide.

Cost-Effective Solutions.

Ensure your budget is directed toward benefits employees truly use and appreciate.

Why Independent Brokers Deliver Better Outcomes.

As independent employee benefits consulting specialists, we represent your interests, not those of insurers.
With Zhoosh, you benefit from:

  • Unbiased advice from experienced employment benefit consultants
  • Full-market comparisons across leading insurers and benefit providers
  • Competitive pricing and the ability to negotiate the best terms
  • A long-term strategy that evolves with your organisation
  • Consistent support from dedicated benefit advisers

 
This independence ensures clarity, flexibility and recommendations that genuinely support your objectives.

A Modern,
People-Led Approach to Employee Benefits.

Your employees’ needs are constantly evolving, and SMEs need benefit partners who can respond with agility and insight.

Zhoosh combines independent broking expertise with people-led advisory support to help you build a benefits offering that delivers measurable value across your organisation.

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