Company health insurance is available in the UK for 1 or more main members. Historically considered to be a “luxury” perk, it is becoming more commonplace.

As a business you can implement a policy for some or all of your employees. You can choose to have different levels of cover for different categories of staff as a way to control the costs of your Company health insurance policy.

As an example, you may want to include comprehensive cover for your directors, mid range cover for your managers and lastly a budget cover option for your general staff. By combining the cover levels you can keep more control over the annual healthcare spend.

Company Health insurance is often modular and this means that you can tailor the cover levels to suit your business.

Types of benefits that are available include:

  • Different out-patient benefit limits
  • A variety of excess levels
  • Mental Health cover
  • Cover for therapies such as physiotherapy
  • Dental and Optical cover
  • Emergency overseas cover

Comprehensive cancer cover is often included in your core benefits. You may have the option to reduce cover for cancer claims. It should be noted however, that cover for cancer is often at the top of the list for many.

Without a doubt a company policy is a cost effective way to take care of your staff.

Aviva Health Insurance gets a Make-Over

Aviva Health Insurance gets a Make-Over

In fact, whether you are looking for a policy on a personal basis or for your business, Aviva can provide a flexible solution. In March 2021 there have been a number of changes. It is great to see a well-loved household brand reviewing their cover and making improvements for their members.

Medical History Disregarded Underwriting

Medical History Disregarded Underwriting

When it comes to buying Health Insurance for your business, which underwriting can you choose? If you have a business with 15 or more employees then you could opt for Medical History Disregarded underwriting. This is also referred to as MHD. If you choose this underwriting type, your policy will cover pre-existing medical conditions. Why would you choose Medical History Disregarded Underwriting? When you buy Health Insurance as an individual or SME, MHD underwriting is not available. There are insurers who will offer this to company schemes of 15 or more main members, however it is more common in the…

Is private health insurance worth it?

Is private health insurance worth it?

We have the NHS; why would we need to pay more for our healthcare? It is a topic that has been discussed again and again. I have friends who would never buy it and I have friends who would never be without it. Two sides of the coin! So we have to ask the question, is private health insurance worth it? These split opinions are caused by various factors including: Political views Financial position Personal experience of the NHS Family experience of the NHS Good/Bad hospitals within the local area So the answer to this question “is private medical insurance…

The amazing value of a business health cash plan

The amazing value of a business health cash plan

So, 5 really important questions to ask you……… Are you a business owner or manager? Do you have a duty of care towards your staff? Have you ever heard of a health cash plan? Can you take advantage of a great low cost health plan? Why haven’t you considered a cash plan before now? Health Cash Plans are not private medical insurance. A health cash plan is not the same thing as a health insurance policy. Each UK provider has their own benefit categories but in general they offer cover for everyday healthcare costs such as: Dental ∙ Optical ∙…

How to save money on health insurance

How to save money on health insurance

If you want to save money on your health insurance you need to check your cover details carefully. A good health insurance broker can help to make this easy for you. We spend time with our clients listening to what is important to them in terms of cover and benefits. We can then provide quotes based on their unique and specific needs. Nobody wants to pay more for a health insurance policy than they have to. Nobody wants to have cover for benefits that they will never use. Can you afford an excess? If you know you can afford to…

What is a pre-existing condition?

What is a pre-existing condition?

With full medical underwriting you provide a full disclosure of your medical history and this form is sent to the insurers underwriting department for assessment. They will then show any exclusions for pre-existing conditions on your insurance certificate.

7 mistakes to avoid; company health insurance

7 mistakes to avoid;  company health insurance

Purchasing company health insurance policy/ business private medical insurance can be a daunting prospect. Especially true if you don’t know the market. Knowing the mistakes to avoid can save you valuable time and money. There are many options when it comes to buying company private health insurance for your business.  The trick is not to pay for benefits you know you won’t need. The duty of care you have for your staff is important. Buying the right company health insurance policy could ensure that you have this covered for a minimal outlay. Staff like to be valued, what better way…

Online access to policy documents and more – My Bupa

Online access to policy documents and more – My Bupa

Bupa, one of the UK’s leading healthcare specialists, are giving their policyholders more online via My Bupa. This is an online members only area that allows policyholders to manage their policy online. Who can register for My Bupa? You can register for this service: Once you have purchased health insurance and you are the main policy holder As soon as you have received registration details through a company scheme If you have recently had a health assessment and want to view your results What else can you do with My Bupa? With My Bupa, policyholders can also: Make & view…

5 Great Employee Benefit Options

5 Great Employee Benefit Options

If you own or run a business and employ staff in the UK there are number of employee benefit options that you can choose to run alongside private medical insurance or as a totally independent plan. If health insurance is too costly for your annual budget, there are still plenty of lower cost cover types that help you as the business owner to comply with your duty of care without excessive cost implications. It is a good idea to compare all of the employee benefit options available to you because you can then ensure you have the right cover in…