Private medical insurance gives employees quick access for diagnosing and treating medical conditions along with a range of support services. There are many options available which can be tailored to suit a business’s needs and budget.

As of September 2023, the NHS waiting list stood at nearly

7.8 million

(NHS Key Statistics)

58%

of people on NHS waiting lists have been waiting over 4 months for treatment with some waiting longer than 2 years

(office of national statistics)

Why consider Private Medical Insurance?

• Meet the increasing expectations of today’s workforce
• Improved absenteeism and presenteeism
• Aids a quicker return to work
• Helps employees feel valued

International Medical Insurance can offer comprehensive cover for private medical treatment whilst travelling abroad or residing in another country. Plans offer a range of benefits from routine medical appointments through to the more serious conditions such as cancer care.

Why consider International Medical Insurance?

• Standard travel insurance generally doesn’t offer the adequate level of protection for longer stays or living abroad
• Supports with chronic long term issues whilst abroad
• Helps companies fulfil their duty of care by ensuring employees have adequate healthcare whilst overseas

Plans can be provided as a company or individual, so whether you are someone who is relocating abroad or a company expanding into international markets, we can provide plans to suit your needs.

Health cash plans are low-cost plans which provide employees with monetary allowances for everyday health costs such as dental, optical, physiotherapy and much more. Employees can easily claim back costs up to the agreed allowances, easing the financial burden.

For as little as around £5 per month per employee, they can claim in excess of a

£1000

across a range of benefits

Why consider a Cash Plan?

• Can cover costs which your business may otherwise have to fund due to your legal obligations under health and safety
• Pre-existing conditions are covered
• Quick access to treatment without the need for a GP referral
• Unlimited private video or telephone GP appointments

Dental Insurance covers the cost of routine check- ups, restorative dental work along with dental injuries and emergencies up to agreed limits. Patients have freedom of choice and treatment can be provided privately or on the NHS.

Why consider Dental Insurance?

• Can lower absences due to poor dental hygiene or general tooth problems
• NHS dentists are reducing in numbers and costs for private treatment can be high
• No underwriting is required

As of June 2023,

less than 40%

of the population had seen a dentist in the previous 24 months

(Statista)

It was reported in 2023 that

23 million

sick days were due to dental pain in the year previous

(Simplyhealth – Denplan)

An employee assistance programme gives compassionate support to employees, across a range of issues such as minor stress and anxieties through to legal advice, with services available 24/7, 365 days a year.

Health Assessments help employees know how healthy they are and can highlight health issues such as diabetes, high cholesterol, and poor posture in the early stages; can also help a company build and develop their wellbeing strategy.

Occupational Health – independent services assisting employers and employees manage mental and physical health in the workplace, aiding with absenteeism and presenteeism.

Group Life Insurance also known as Death In Service is the most common of employee benefits, expected by many. The benefit offers a tax efficient lump sum payment to a beneficiary following an employee’s death, whether that be in the workplace or not.

According to CIPD,

61% of employers

offer death-in-service benefits

Why consider Group Life Insurance?

• Provides financial support for the family of the deceased
• Offers bereavement support for the family and colleagues
• Will not be taxed as a benefit in kind

Group Income Protection provides a continuing income for employees based on a percentage of their salary, as well as rehabilitation support if they cannot work due to long- term illness or injury.

Statutory sick pay is set at

£116.75 per week,

which can leave employees with financial worries impacting their recovery and return to work

Why consider Group Income Protection?

• Health and wellbeing services for the employees can reduce sickness and absence
• May cover costs a company would otherwise self-fund
• Helps to show employees their employer is committed to their health and financial wellbeing

Group Critical Illness pays a tax-free lump sum to an employee who is diagnosed with one of a wide range of potentially life- threatening conditions, including a heart attack, cancer or stroke.

The most common Critical Illness claims were cancer (57%), heart attacks (13%) and strokes (7%) with the average claimant being aged 48. The youngest ever claimant only being 22!

(Health and Protection 2022)

Why consider Group Critical Illness?

• More people are surviving the diagnosis of a critical illness which may affect their ability to work
• Provides employees with financial support should they be absent from work or finance medical treatment and associated costs
• Demonstrates you are committed to an employee’s health and financial wellbeing