Only pay for actual medical services used, not upfront premiums. Think of it like utilities versus a fixed subscription - you're billed for what you actually consume. When an employee visits a clinic or needs treatment, that's when you pay, along with a manageable admin fee to keep things running. For SMEs watching their cash flow, this removes the pain of paying premiums month after month when your team might be perfectly healthy. It also means you're not subsidizing an insurer's profit margins on unused coverage. The caveat is that costs become less predictable - you'll need some flexibility in your budget to handle months when usage spikes. However, with an annual limit and a cap coverage setup, you can control it.