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:

Employer benefits

  • Low cost, high value service
  • Supports your duty of care requirements and therefore strengthen some legal cases around staff absence and the company’s support of this
  • Peace of mind that you are helping to support your employees’ emotional wellbeing in a confidential and professional way
  • Reduced absence and presenteeism – an employee assistance programme can help to tackle emotional issues before they become physical ones
  • Increased productivity and enhanced staff retention
  • Available as a voluntary option

Employee benefits

  • Confidential support for a wide range of issues
  • Can be used to discuss any issues relating to the individual or their family
  • Feel valued by their employer
  • Improved health and wellbeing (physical, emotional and financial)
  • Rapid access to counselling that has long waits on the NHS (telephone and face to face)
  • If offered to all staff an employee assistance programme doesn't get declared as a benefit in kind so won’t be subject to tax deductions

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:

Employer benefits

  • Low cost, high value service
  • Supports your duty of care requirements and therefore strengthen some legal cases around staff absence and the company’s support of this
  • Peace of mind that you are helping to support your employees’ emotional wellbeing in a confidential and professional way
  • Reduced absence and presenteeism – an employee assistance programme can help to tackle emotional issues before they become physical ones
  • Increased productivity and enhanced staff retention
  • Available as a voluntary option

Employee benefits

  • Confidential support for a wide range of issues
  • Can be used to discuss any issues relating to the individual or their family
  • Feel valued by their employer
  • Improved health and wellbeing (physical, emotional and financial)
  • Rapid access to counselling that has long waits on the NHS (telephone and face to face)
  • If offered to all staff an employee assistance programme doesn't get declared as a benefit in kind so won’t be subject to tax deductions

 

 

 

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:

Employer benefits

  • High valued benefit at a low cost
  • Reduced absence as they can identify any concerns before they become a problem- even at the pre-employment stage
  • Reduced presenteeism as individuals will have their health concerns addressed – helping them to stay focused on the day job
  • Improved employee engagement, health and productivity
  • Flexible – can be arranged at your place of work to cover a broader population and save time
  • Wide range of choices to suit your requirements and budget
  • Available as a voluntary option

Employee benefits

  • Peace of mind that they have been screened and potential problems may be identified
  • Tailored to each individual’s age, life stage and requirements
  • Post-screen review with GP and physiologist, along with an action plan to help get the most out of life
  • Receive advice and guidance on a range of health and wellbeing issues
  • Quality time with a GP who will look at you as a ‘whole’ and not one condition or symptom at a time

 

 

 

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:

Employer benefits

  • High valued benefit that enables a consistent approach to supporting employees with serious or long term conditions
  • Reduced absence, tackling some of the major causes such as musculoskeletal problems and getting people back to work in a supported manner more quickly
  • Improved employee engagement, health and productivity
  • Wide range of choices to suit your requirements and budget

Employee benefits

  • Feel valued by their employer
  • Peace of mind that their employer has them covered and is looking to support them if it is needed
  • Improved health and wellbeing
  • Degree of confidentiality as often dealing with a third party

 

 

 

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:

Employer benefits

  • Helps meet your duty of care requirements
  • Can help with employee engagement, by offering as an additional benefit to employees to cover their private travel too
  • Simple – with medical history disregarded on some policies
  • Choose from single or annual multi-trip policies to suit your budget
  • Protects staff when travelling overseas for limited periods at a time (as a rule, less than 3 months)
  • Can sometimes be offered as an add-on to private medical insurance policies as well as standalone options

Employee benefits

  • Helps business trips run more smoothly, providing cover for lost luggage, medical treatment and flight delays
  • Can also provide cover for personal travel for employees and their family, including vaccinations – saving them money
  • Where medical history is disregarded, employees could benefit from cover that they might not be able to obtain privately
  • Peace of mind that their employer has them covered

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.

 

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