Our knowledge and expertise can help you to decide upon the right benefit package for your employees and can also assist with managing these benefits on a day to day basis.
Group Life Insurance (also called Group Death in Service) pays a tax-free lump sum if an employee dies, to provide support for the people who depend on them financially (like their partner or children).
Private Medical Insurance provides access to private healthcare which enables you to bypass the NHS waiting lists, and receive treatment quickly and efficiently. Private Medical Insurance is specifically designed to cover the cost of treatment in a private hospital, or in a private ward of an NHS hospital. Typically this also gives you the benefits of a private en-suite room, TV and a choice of food.
It's great as you are able to choose the level of cover and additional benefits that most suits your requirements and fits your budget.
All healthcare policies cover the full costs of any conditions that require an overnight stay in hospital, known as inpatient; or require a period of time in a hospital bed, known as day patient treatment.
A comprehensive policy will provide you with a higher level of outpatient cover, compared to a middle of the road policy. Outpatient treatment consists of consultations, scans and tests for conditions that do not require a hospital bed.
These are a bit like PMI, but more specific. And like PMI, they'll pay for the cost of private treatment.
Employee Assistance Programmes are employee benefit programmes offered by many employers. EAP are intended to help employees deal with personal problems that might adversely impact their work performance, health and well-being. EAP generally include assessment, short-term counselling and referral services for employees and their immediate family.
Income Protection pays a percentage of an employee's salary each month (typically 60-80%) as a regular income, if they can't work due to a long-term illness or injury. Getting Income Protection through an employer (Group Income Protection) will often mean that medical conditions that an employee has prior to the policy are covered. It's also often a lower cost for an employer than if an employee took out a similar policy themselves because the chance of someone claiming is spread across all those covered.
Group Critical Illness Cover means an employee will get a tax-free lump sum if they're diagnosed with one of a number of specific medical conditions.
A health cash plan gives your employees access to a GP 24/7 and counselling services. It also lets them claim money back on the cost of visiting their everyday healthcare practitioners including the dentist, optician and physiotherapist.