Insurance is a financial product — a middleman between your company and a clinic. Rivia Clinics is the actual clinic. We own the facilities, employ the doctors, and source our supplies directly. No insurer approves or denies care. Your employee walks in, gets treated, and leaves.

We own the clinics and buy supplies at wholesale prices — our costs are much lower than the market rate. We pass those savings to members as extra care value. We also know from experience that not every enrolled employee uses their full benefit in a year, and that predictability lets us offer more than the fee.

Yes. You can switch at your annual renewal at no extra cost. If your situation changes mid-year, speak to us and we will work something out.

We alert you before it runs out. You can top up, or the employee continues under a co-pay arrangement. We always treat first and sort the billing after. No one is turned away.

All plans are annual. Unused amounts do not roll over. However, if your team's utilisation is low, we offer a discount on your next renewal — so it pays to size your plan accurately.

Most companies are fully set up within a week of signing. We handle onboarding, membership cards, and staff registration. You give us a staff list — we do the rest.