Clema Risk Solutions

08/09/2026

Quick brain teaser before we talk employee benefits. 🧩

How many cubes are on the trailer? 👇

The side view tells you one thing. The back tells you something else. And the top gives you another piece of the puzzle.

If you only look at one side, you might feel pretty confident about your answer. And you might still be wrong! 😄

Employee benefits can be a little like that.

When you don't have the time or resources to dig into your data or talk to your people, it's easy to make assumptions. You might stick with what you've always had, choose what your competitor has, or go with a plan that looks good on paper.

But assumptions can get expensive.

Looking at the full picture, including coverage limits, exclusions, deductibles, claims support, and what your business and employees actually need, gives you a much better chance of getting the right answer.

And if you need a partner to figure it out, we're pretty good at sorting out brainteasers. 😉

03/09/2026

There’s something special about hearing a client put into words what a partnership with Cléma means to them.

It reminds me that in our business, the relationship matters just as much as the solution.

Sharing their story about with a grateful heart.

Thank you, SOCOMEC, for the trust and for sharing your experience with us. 💙

When a claims issue needs more than a claims process, having someon...

02/09/2026

What happens when your HR team knows its people as well as it knows its numbers?

You get a very different kind of employee benefits conversation. ❤️

Our friends at SOCOMEC have a deep understanding of their people, which makes every conversation more meaningful, from looking at employee needs to making sense of the trends in their data.

And because every organisation is different, their benefits programme is too. We work closely with their team to tailor it to what makes sense for SOCOMEC and their people.

Six years, one strong partnership, and so many good conversations along the way.

Now, we’re sitting down with these wonderful HR ladies to talk about what makes our partnership work. 🫶

🎥 Watch the first Convo with Cléma and get to know the people behind the partnership!

02/09/2026

What happens when your HR team knows its people as well as it knows its numbers?

You get a very different kind of employee benefits conversation. ❤️

Our friends at SOCOMEC have a deep understanding of their people, which makes every conversation more meaningful, from looking at employee needs to making sense of the trends in their data.

And because every organisation is different, their benefits programme is too. We work closely with their team to tailor it to what makes sense for SOCOMEC and their people.

Six years, one strong partnership, and so many good conversations along the way.

Now, we’re sitting down with these wonderful HR ladies to talk about what makes our partnership work. 🫶

🎥 Watch the first Convo with Cléma and get to know the people behind the partnership!

26/08/2026

Good partnerships are built on business.
Great ones are built on getting to know the people behind the business.

That’s what is about.

We sat down with 8 people from 7 companies for a series of quick questions over coffee, tea and good food. We talked about work, challenges, life, the things they care about, and what makes a partnership work.

Here’s a little taste of what’s coming.

Convo with Cléma. Coming soon.

25/08/2026

You didn’t start an SME to become an expert in everything.

But somewhere along the way, you end up learning about risk management, employee benefits, protection strategies… and about a hundred other things you never expected to know.

You can figure it out yourself.

Or you can have Cléma help with the heavy lifting.

We’ll help you navigate the details, look after your people, and keep things on track, while you get on with running the business.

You run the business. We’ll help keep it on course. ✈️

20/08/2026

Some of our best client relationships started with a simple call: “We need some advice. Can you help?”

Our long-time relationship with LesBouchons is one of them, and what makes partnerships like these special is how they grow beyond the original reason we met.

An afternoon of good food and conversation with Les Bouchons CEO Pinaki Rath, and our Client Relationship Manager Prithika was a good opportunity to catch up and get to know each other a little better outside of work.

Because good partnerships aren’t built solely on business transactions. They’re built on people.

19/08/2026

Healthcare claims are often the endpoint of a longer process.

A condition may go undetected because an employee does not attend regular screenings. A known condition may become more difficult to manage because follow-up care is inconvenient or expensive. An employee experiencing prolonged stress may delay seeking support until it begins to affect their health, work or relationships.

Not every health issue can be prevented. But earlier access to information, support and appropriate care may help some employees manage risks before they develop into more serious problems.

Read our latest blog to learn more: https://clema-rs.com/resources/the-best-time-to-manage-healthcare-costs-is-before-the-claim/

And if you need more advice about and , reach out on PM - we'll be happy to help.🫶

How Singapore employers can use employee benefits, preventive healthcare and earlier intervention to manage rising healthcare risks

17/08/2026

Sometimes the best thing you can add to your HR team is… another pair of hands.

Not another system. Not another spreadsheet. Not another thing your team has to learn.

Just someone who knows employee benefits, can help you make the right calls, step in when claims get complicated, and keep you from having to figure everything out on your own.

That’s what we do at Cléma.

Because managing employee benefits shouldn’t feel like a second job.

If it does, let’s talk. We might be able to make the math work a little better. 🧮

12/08/2026

Renewal season is coming. Is your negotiation strategy ready?

When it comes to insurance renewals, the conversation shouldn’t start and end with the premium.

A broker can bring market intelligence, insurer relationships, and the bandwidth to negotiate the terms that matter, from coverage and conditions to service and other non-premium considerations.

And the earlier you start, the more room you have to assess your options rather than simply accept the first one on the table.

Before renewal season gets busy, make sure you’re bringing the right leverage to the negotiation table.

Talk to Cléma Risk Solutions about your upcoming renewal. Let’s maximize the value of your renewal.