Mo is a radical new collective model of health cover
Here’s how it works
Members pay monthly subscriptions
Our members pay a flat monthly subscription to be part of Mo, based on the number of people in their team.
The money goes into an independent Trust
Contributions to the Trust are locked in, only accessible by our Members to fund their health needs.
Members dip into the fund to pay for care
Anyone in the community can dip into to pay for their healthcare as and when they need it.
We provide the technology and team
Mo is separate from the Trust. Our job is to administer the Trust for our members, and provide the tools, team and tech to support you.
And take a flat fee to make it all happen
80% of the money we receive from our members goes directly into the shared Trust. We take a 20% cut to provide the service. Simple. Transparent. Fair.
It’s a little bit revolutionary
Our collective model means our members get better value, service and experience from their health cover.
No quibbling
over claims
We’re not incentivised to turn down claims, so we don’t quibble or quarrel. It’s a fundamentally different dynamic.
Total
transparency
Unlike traditional insurers, our prices are simple and transparent.
Genuine
partnership
Our structure means we’re on your side. And we’re obsessed with giving you a great experience.
Sharing
the upside
The money in the fund isn’t ours, it’s our members’. Any surpluses go towards more benefits or lower fees.
Part of
something bigger
Just by being part of Mo, our members are helping the whole community thrive - and helping us change insurance for good.
Give your team
Take your team’s benefits to the next level with modern health cover designed for modern teams.
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