Group medical insurance

Perhaps the biggest growth area within company benefit schemes has been with group medical insurance. This cover is designed to provide medical assistance beyond that of the NHS to employees.

A helping hand

This valuable benefit ensures that they get back on their feet as quickly as possible having suffered an illness or disability and also provides preventative therapies. Cover might include any of the following:

  • Access to full in-patient and out-patient care at a wide range of private hospitals across the UK
  • Hospital charges, specialists’ fees and diagnostic tests (such as MRI scans, blood tests and X-rays)
  • Cancer cover, at a level chosen by the business
  • Mental Health Pathway – rapid access, open referral into clinical assessment and end to end stepped care for mental health issues
  • GP referred services, such as GP referred radiology and pathology
  • Complementary and alternative medicine such as GP referred homeopathy, chiropody, podiatry, acupuncture, osteopathy and chiropractics for non MSK
  • Dental and optical benefits, which can help with the cost of routine dental expenses, accidental dental injuries and optical expenses

We can provide advice on this complex area and assist with the setting up of an appropriate scheme within the available budget.