If your insurance policies are currently managed by an external broker (rather than by Happl or one of our partnered brokers), you will remain responsible for reporting insurance changes directly to your broker or insurer.
What Happl Can and Can’t Do Under This Setup
Action | Happl Can | Happl Cannot |
Apply your eligibility rules and mark employees as enrolled/terminated | ✅ |
|
Sync employment changes from your HRIS | ✅ |
|
Provide a live report of insurance changes that need action | ✅ |
|
Directly notify your broker or insurer of changes |
| ❌ (Only possible when Happl is the broker) |
Advise employees on policy details or claims |
| ❌ (As insurance is regulated, advice must come from your broker) |
Setting Your Enrolment Rules (So Changes Are Tracked Accurately)
During implementation, your Happl Account Manager will help you define the rules that determine when an employee should be added or removed from a policy, including:
Enrolment Windows
Life Events (e.g. marriage, birth)
Post-probation enrolments
New employee enrolments
Leaver terminations
Dependents
These rules are built into the Happl platform so you can clearly see when an action is required.
Managing Employee Queries and Support
Since Happl is not the broker of your policy, we are not able to provide regulated insurance advice or claim guidance to employees.
If employees have questions about cover or need support with claims, we will direct them to you or your designated broker contact.
How to Report Insurance Changes to Your Broker or Insurer
Happl makes it easy to see exactly which changes need to be reported — but you will be responsible for passing this information on.
1. Download Your Insurance Changes Report
You’ll find this in Finance Hub → Reports → Insurance Changes.
This live report can be downloaded at any time and will show:
Employee enrolments
Employee terminations
New dependents to add
Dependents to remove
Data changes (address, email, etc.)
2. Filter & Share with Your Broker
Depending on your broker’s requirements, you may need to:
Filter by policy or change type
Split joiners vs. leavers
Reformat into their preferred template
Once ready, send it to your broker or insurer to action.
3. Update the Report Once Actioned
To keep everything in sync, you can update each line in Happl with:
Status (e.g. completed/pending)
Cover start date / end date
Daily rate (we recommend entering this to 10 decimal places for accuracy)
This ensures your payroll, tax, and full insurance reports are accurate - and employees see the correct cover in their account.
Want to Remove This Manual Admin Entirely?
If you’d prefer not to download reports or liaise with your broker manually, we recommend moving your brokerage to Happl.
Once you do:
Happl manages all enrolment and reporting directly
Employees receive support without going through you
No more manual file sending or data reconciliation
👉 See guides: “The Happl Broker Insurance Process” and “Moving Your Policy Brokerage to Happl”