When you look at the options for employee benefits, you could consider a whole range of products:
- Private Medical Insurance
- Cash Plans
- Dental Insurance
- Employee Assistance Programmes
Did you also know about Hospital Treatment Insurance from Westfield Health?
Surgery Choices 1 and 2 offer your employees easy access to private surgery and medical treatment.
This is a community rated policy so the cost for each member of staff is exactly the same regardless of their age or location.
Designed to cover non-urgent surgical procedures, Hospital Treatment Insurance does not offer surgical procedures for cancer, heart disease or emergency treatment. This is totally reflected in the premium you pay to cover your staff. This is a low cost, excellent value product.
Premiums for Surgery Choices 1 start as low as £5.83 per employee per month and for Surgery Choices 2, £17.83 per month. If you have any experience of the health insurance market in the UK you will be aware that this really is an excellent value policy.
Surgery Choices 1 has a maximum lifetime benefit value per employee of £100,000
Surgery Choices 2 has a maximum lifetime benefit value per employee of £250,000
Both options cover employees for a maximum of 3 surgical procedures in any 12 month period.
What is a surgical procedure?
- Medical procedures that require you to have a general anaesthetic
- Medical procedures that require a regional or local anaesthetic in conjunction with an incision of a surgical knife
- Endoscopic fibre optic procedures
What type of procedures would be covered on Hospital Treatment Insurance?
Slipped Discs ∙ Varicose veins ∙ Hip replacement ∙ Knee replacement ∙ Cataracts ∙ Gallstones.
There are over 60 specific surgical procedures covered by the policy.
As with private medical insurance, there is no cover in relation to chronic medical conditions.
What type of underwriting can you have?
Moratorium underwriting is available for all company schemes. Medical History Disregarded (MHD) underwriting is available for companies of 500 employees or more.
Transferring from a current private medical insurance policy to Hospital Treatment insurance may be allowed on a CPME basis (Continuation of Personal Medical Exclusions) or on an MHD basis if you can provide proof that your company PMI policy was underwritten on an MHD basis. New employees on either transfer basis would be accepted on new moratorium underwriting only.
The team at SMP Healthcare have many years’ experience in the UK health insurance market. We would be delighted to help you find a policy that is right for your employees. If you would like to know more information about any of the employee benefits available, please do not hesitate to contact us for more information.
Telephone: 01245 929129/ 0800 047 0127