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
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?
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
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
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
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…
HealthCover4Life from The PHC
The PHC provide business and corporate clients access to the HealthCover4Life policies. They really do offer you excellent levels of customer service and expert assistance as a client.
Chronic Conditions and Health Insurance
Health Insurance is designed to cover the cost of treatment for acute medical conditions which start after your policy begins. Your policy is not designed to cover the routine medication and monitoring of chronic conditions. An acute condition is a disease, illness or injury that is likely to respond quickly to treatment. That treatment aims to return you to the state of health you were in immediately before suffering the disease, illness or injury, or which leads to your full recovery. Private Medical Insurance will typically not cover chronic conditions. There are options from two providers in the UK market…
How you can keep your Health Insurance cover when you leave a company policy
If you have health insurance cover as an employee. what are your options when you are going to leave a company policy? This can be especially relevant if you have pre-existing conditions or are currently undergoing medical treatment.
VSP Vision Care provide the answers
VSP Vision Care is a popular choice of employee benefit around the world. In addition to the US they provide their services in the United Kingdom, Ireland, France, Singapore, Hong Kong and Australia. Offering low cost premiums with a great benefit level for staff, VSP are proud of their optical solution for business. As with all policies that are fairly new to the market, here are just a few of the FAQ’s that VSP have already answered, clear and transparent information provided for business owners and HR managers so that they know exactly what is achievable before taking out a…