centralises access to health and insurance benefits, delivers year-round communication, and generates total reward statements and utilisation reporting. The Intelligent Wellbeing Engine uses short health and Job Demands-Resources surveys to surface team-level risks around burnout, workload, and absence before they become claims. A dynamic signposting system links identified risks to existing policies such as private medical insurance, cash plans, or employee assistance programmes. Manager and HR dashboards show aggregated wellbeing indices and people risk indicators, while individual data remains private to employees.