Employee Benefits – Our Solutions

Group Private Medical Insurance

What is group private medical insurance?

Group private medical insurance (PMI) plans are designed to support wellbeing and provide immediate access to private consultations, diagnosis and if required, treatment for acute medical conditions. It can complement or replace the NHS, depending on the level of cover you choose.

There are various ways in which you can provide private medical insurance to your staff, depending on your budget. This includes:

• Company paid schemes: as the name suggests, this type of scheme is paid for entirely by you, the employer. However, many providers understand the need for budgeting so will offer flexibility over the level of cover that you offer.
• Healthcare trusts: a healthcare trust provides self-funded medical cover to staff. Premiums, which can be funded by employers and employees, are paid into the trust and based on the estimated value of a scheme’s annual claims. They are run independently and are managed by a third-party administrator. This may be a cost-effective alternative to a company paid scheme, particularly if you have more than 500 employees and a medical benefit spend exceeding £250,000 a year.
• Corporate voluntary paid schemes: voluntary healthcare cover for your employees and their families at no cost to your business. This can be paid for as a salary deduction via your payroll system.

What are the benefits of an employee assistance programme?

Key benefits of an employee assistance programme can include:

Got staff based overseas? Find out more information here.

Seeking healthcare for independent schools? Please get in touch with us here.

Employee Assistance Programmes

What is an employee assistance programme?

An employee assistance programme (EAP) is a low cost employee benefit that can deliver support to help maintain the emotional, financial and physical wellbeing of your employees. It provides a qualified counselling service to help contain problems and prevent them spiralling out of control. This can be provided either through telephone sessions or sometimes also face to face including CBT where needed.

What are the benefits of an employee assistance programme?

Key benefits of an employee assistance programme can include:

Health Screening

What is health screening?

Health screening is about picking up potential health issues before they become major issues. Many companies will offer screens to certain individuals or job roles that the business would suffer if they went off ill. There are many screening offers available on the market and increasingly, these are being offered at your place of work, keeping costs down and opening this benefit up to a wider population.

Many providers recognise that a ‘one size fits all’ approach doesn’t suit everyone and will offer a range of screening options depending on your requirements. This can include:

• Mini health screening assessments: looking at common health concerns including medical history and lifestyle questions, height and weight measurements, and BMI calculations. These can include ‘know your number’ days to give people a high level understanding of their general health and watch points.
• Gender specific assessments: designed to review male or female specific health checks.
• Comprehensive (or full) screening: offering an in-depth assessment to give employees a clear picture of their health and wellbeing, including full biochemistry profile, spinal assessment, lung function, ECG and chest x-ray.
  

What are the benefits?

Key benefits can include:

Occupational Health Service

Why do you need to consider an occupational health service?

The workforce is ageing and that means an inevitable increase in the number of people needing support for ongoing health conditions. New legislation, challenges faced by the NHS and changes in employees’ attitudes mean an absence management strategy is no longer a nice-to-have. It’s now essential to put in place services, controls and measures that meet the needs of your employees whilst supporting the business in getting people back to work in a suitable role as quickly as is possible.

What is an occupational health service?

An occupational health service can help you understand the rules and regulations that apply to your business, help you deal with health risks and hazards, provide guidance on long term absence cases and advise you on company policies. For example, health and safety assessments, ergonomic solutions, advice on absence policies and online preventative tools to aid wellbeing.

What are the benefits of an occupational health service?

Key benefits can include:

Business and Leisure Travel Insurance

Did you know it’s your duty of care to protect any employees going overseas on business?

What is business and leisure travel insurance?

Travel insurance is designed to provide support to your employees and consequently your business when unexpected difficulties occur while they are travelling outside of their country of residence on business. This can include medical or legal emergencies, cover for delays and cancellations as well as a level of personal possessions cover. It can also protect your business property too, for example phones and laptops.

What are the benefits of business and leisure travel insurance?

Key benefits can include:

We also have a dedicated international benefits team who can advise you on appropriate international private medical insurance to protect any employees you have living and working overseas.

If you have any questions about any of our solutions above, our experts will be happy to help. Please complete the contact form below.