Private Medical Insurance is designed to allow you or your employees to have treatment privately and avoid delays through the NHS in securing treatment for a medical condition. It provides cover for acute, treatable medical conditions. It can be provided for a company or for an individual and their family.
If you have the right policy, it allows you to have your treatment, when you want, where you want and with whom you want.
With the ongoing challenges faced by the National Health Service, it is no surprise that Private Medical Insurance (PMI) is now more popular than ever, with over six million people now covered either on personal policies for themselves and their families or through their employers on corporate schemes.
It is particularly popular for self-employed/small businesses people who know that should they be absent from work for a long period of time due to illness, it could be disastrous or indeed fatal for their long-term business strategy.
Private Medical Insurance is designed to allow you to have treatment privately and avoid delays through the NHS in securing treatment for a medical condition. It provides cover for acute, treatable medical conditions.
Subject to having the right policy, it allows you to have your treatment, when you want, where you want and with whom you want.
When you want it – to fit in with work or school schedules.
Where you want it – your choice of hospital.
With whom you want it – your choice of consultant etc.
A small monthly fee protects your employees against everyday healthcare costs, such as visiting the dentist, optician, physiotherapies and unexpected treatments associated with accidents or injuries, allowing you to claim back up to 100% of the costs for routine medical and wellbeing expenses. It provides a great low cost benefit to provide employees with healthcare cover.
Provides a tax-free lump sum benefit for an individual in the event of their Death or Terminal illness, payable to their beneficiaries or financial dependents. Cover can be provided to those where you want to provide some extra cover or where a Group Life scheme is not viable. This type of plan is individually medically underwritten, and the costs can be off set against your corporation tax and is not classed as a P11d Benefit in Kind.
To provide a lump sum benefit payable to the company, in the event of the death of a shareholder, used in conjunction with a cross options share agreement, this cover provides the option and funds to purchase the deceased shares back from their estate, keeping the shares within the company.
We can also provide Individual protection plans – Individual Personal Life Cover, Individual Mortgage Protections, Individual Income Protection Cover and Individual Critical Illness Cover.
Dental insurance policies can cover routine check-ups, as well as the costs of dental work, including dental injuries and emergencies for your employees. Members can claim immediately for preventative treatments like routine exams, x-rays, and scale and polish by dentists or hygienists
Personal accident insurance, also known as personal injury insurance, is designed to pay out compensation if you suffer from a serious injury or death as the result of an accident. It can protect against loss of income, and help with bills and other expenses.
Employee Assistance Programmes (EAPs) are confidential helplines provided for employees that help smooth out personal and work-related problems providing general, legal and financial support and advice. Your employees can access compassionate advice at any time of the day or night. Whatever their problems—mental or physical illness, financial struggles, legal issues—they can receive support 24/7 365 days a year. An EAP reduces stress, boosts wellbeing, and encourages a happier, healthier workforce.
We can guide you through the range of occupational health benefits available to help you with your legal requirements, staff duty of care, managing absenteeism and accelerating employees back to work.
A health screening is a preventative health assessment that uses medical and non-invasive tests to give your employees a current health and wellbeing overview. Trained nurses and health advisers carry out all our assessments and can discuss any specific health concerns your employees may have. If needed, the screening provider can also arrange NHS follow-up appointments or private GP referrals for further treatment or diagnostic tests, too.
