Healthcare. Your Employees Health & Wellbeing is our concern. Protecting people that matter.

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Healthcare. Your Employees Health & Wellbeing is our concern. Protecting people that matter. www.rossborough.co.uk"

Transcription

1 Healthcare Your Employees Health & Wellbeing is our concern Protecting people that matter

2

3 Who we are... Rossborough Healthcare International Limited is an independent insurance broker specialising in healthcare insurance, dental insurance and other associated policies. We are situated across the Channel Islands and Isle of Man arranging cover for both individual and corporate clients, locally and internationally. Whether you live and work in the Channel Islands, UK or anywhere in the world, our team of highly experienced advisers has extensive knowledge of the medical insurance markets and will help choose the right policy for you. Rossborough Healthcare provides expert reviews and source competitive solutions tailored specifically to the needs and budget of our clients. Large and small businesses recognise the importance of protecting their employees against waiting for treatment. Your people are after all, the resource which contributes to the growth and success of your business. Our Offices: Isle of Man Office New Wing, Victory House, Prospect Hill, Douglas, Isle of Man IM1 1EQ Tel: +44 (0) Guernsey Office PO Box 127, Rossborough House, Bulwer Avenue, St. Sampsons, Guernsey GY1 3HG Tel: +44 (0) Jersey Office PO Box 28, 41 La Motte Street, St. Helier, Jersey JE4 8NS Tel: +44 (0)

4

5 Private Medical Insurance Prompt attention, quality treatment and a quick return to work makes private medical insurance a highly valued benefit for Individuals, Employees and Employers. Prompt treatment so members can be returned to health as quickly as possible A high value employee benefit to aid recruitment and staff retention Minimises sickness absence Bypass lengthy States/ NHS waiting lists Flexibility to choose where and when you have your treatment Rossborough Healthcare has vast experience in this area and we deal with most major insurers to ensure the correct solutions are available. Ensuring you or your company has the right policy is our priority.

6

7 International Private Medical Insurance Protecting your employees with worldwide corporate health insurance. If you employ staff overseas either on secondment or full time, you know how important it is to ensure they have the correct level of healthcare cover. With international health insurance you can protect your overseas staff and make sure they are well looked after. Should they fall ill or have an accident, you know that they can get fast access to diagnosis and treatment and be back at work as quickly as possible. Having the wrong health insurance policy can leave your employees vulnerable and your business exposed. Costs of treatment vary dramatically between countries and repatriation or medical evacuation can cost thousands of pounds. Rossborough Healthcare has a specialist team of advisors who can work with you to ensure that the appropriate level of international health insurance services are available to your employees travelling or working abroad.

8

9 Dental Plans Dental charges vary depending on the treatment needed to keep your mouth, teeth and gums healthy. A very cost-effective way of looking after you or your employee s dental health is to implement dental insurance. A dental policy can pay for both routine and preventative dental care and covers employees in case of more serious and costly accidents and injuries. Dental policy benefits will contribute towards many common dental costs. Fully Company Paid Fully company paid dental cover is offered as a core benefit for your employees and is paid in full by the company. The company would pay any premiums directly to the insurer. Flexible Benefits If you operate a Flex scheme for your employees, you can offer dental payment plans arranged by the insurer as part of the range of options employees can choose from. The company would pay any premiums directly to the insurer. Salary Deduct A salary deduction plan allows employees the option to purchase dental cover with payments deducted direct from their net salary. The company would then pay any premiums collected directly to the insurer.

10

11 Cash Plans Your Employees: get help with the costs of everyday healthcare including dental and optical cover plus money towards specialist consultations, physiotherapy and many alternative therapies. You, the Employer: can benefit from reduced sickness absence levels, more productive employees and improved staff retention and motivation. A cash plan is an affordable way of helping employees with a contribution to the cost of everyday healthcare needs. Whilst not as extensive as PMI, a cash plan does provide a basic level of cover to employees for things such as dental, optical, out-patient consultations and physiotherapy. Benefits for Employers Proven to assist with sickness absence as staff can be directed quickly to receive treatment It is an easy and affordable way of showing employees you value their hard work It is a tangible reward that can help employers recruit and retain the best employees Benefits for Individuals Cash plans are low cost compared to Private Medical Insurance (but have a high perceived value) Benefits help to cover the cost of alternative treatments Excess reclaim for Private Medical Insurance

12

13 Employee Assistance Programmes Many different things can affect an employee s performance during their working day or even result in stress-related absence, which can prove costly to a business. For a small annual cost, an Employee Assistance Programme (EAP) can be put in place to help staff to understand and overcome any personal concerns. It also acts to resolve problems that are affecting work and homelife. In addition, an EAP represents an employer s commitment to taking preventative and protective measures to reduce health risks in the workplace. Most EAP providers offer employees and their households: Immediate access to qualified and experienced counsellors Telephone access 24/7-365 days a year The opportunity to talk in confidence with a trained counsellor face to face Free calls to an 0800 telephone line EAPs are a proven, cost-effective solution to many of the problems faced by employers today including sickness absence, work related accidents, compensation claims, lost time and management resources.

14

15 Health Screening Rossborough Healthcare recognises the importance of understanding personal health as well as the early detection of medical conditions, all of which cannot be underestimated. Health screens allow individuals to gain a detailed picture of their overall health and allow for early detection and treatment plans for any potential health problems in the future. From an employer s perspective, this is an excellent way of complementing a group medical insurance scheme that may already be in place, or an existing employee benefits package as a stand-alone benefit. Health screening makes another valuable contribution to looking after the welfare of your employees. We have agreements in place with a number of local Healthcare Practices whereby we are able to offer our clients access to their medical / health check services at a preferential rate. The frequency and extent of the medicals can be tailored to suit client needs and will offer each employee an efficient, confidential service, supported by a full written medical report.

16 Healthcare Healthcare provision for employees is now being offered in a growing number of companies and not just in the large multi-nationals. Small businesses also recognise that it is both a valuable investment in their staff as well as being a benefit that is appreciated by employees. Jersey Office PO Box 28, 41 La Motte Street, St. Helier, Jersey JE4 8NS Telephone +44 (0) Facsimile +44 (0) R A Rossborough (Insurance Brokers) Limited is regulated by the Jersey Financial Services Commission. Registered in Jersey No Registered Office: 41 La Motte Street. Guernsey Office PO Box 127, Rossborough House, Bulwer Avenue, St. Sampsons, Guernsey GY1 3HG Telephone +44 (0) Facsimile+44 (0) Rossborough Healthcare International Limited is licensed by the Guernsey Financial Services Commission and regulated by the Jersey Financial Services Commission. Registered in Guernsey No Registered Office: Rossborough House, Bulwer Avenue. R A Rossborough (Guernsey) Limited is licensed by the Guernsey Financial Services Commission. Registered in Guernsey No Registered Office: Rossborough House, Bulwer Avenue. Isle of Man Office Prospect Hill, Douglas, Isle of Man IM1 1EQ Telephone +44 (0) Facsimile +44 (0) Rossborough Insurance Brokers Limited is a private company with limited liability. Registered in Isle of Man No C. Registered with the Insurance and Pensions Authority in respect of General Business. Medical Insurance International Medical Insurance Dental Cover Cash Plans Employee Assistance Programs Health Screening Rossborough Healthcare International is a trading name of Rossborough Insurance (IOM) Limited who are registered with the Insurance and Pensions Authority in respect of general business. Registered in the Isle of Man No C. Registered office: 1st Floor, Viking House, St Paul s Square.

Xerox Custom Healthcare Solution

Xerox Custom Healthcare Solution Xerox Custom Healthcare Solution Xerox HR Services has undertaken a comprehensive review of the employee benefits market, assessing all of the major providers, in order to develop our Xerox Custom Healthcare

More information

Healthcare Proposition Overview

Healthcare Proposition Overview Healthcare Proposition Overview Leading innovations in the benefits market ECIS has a wealth of experience in the employee benefits arena and provides benefits solutions to employers operating across a

More information

Tailored For Business!

Tailored For Business! Tailored For Business Contents This brochure features a small selection of the products we have to offer. If any of the products featured don t exactly match your requirements we have access to products

More information

Health cover that works harder for your business and your people. 0345 602 1629 westfieldhealth.com

Health cover that works harder for your business and your people. 0345 602 1629 westfieldhealth.com Health cover that works harder for your business and your people. 0345 602 1629 westfieldhealth.com Hello. A very warm welcome to Westfield Health. We believe that prevention and early intervention is

More information

Personal support for your personal economy. HSBC Premier Account

Personal support for your personal economy. HSBC Premier Account Personal support for your personal economy. HSBC Premier Account HSBC Premier personal support for your personal economy. Always there, wherever and whenever you need us. Preferential access to accounts

More information

Employee Benefits: Portfolio Diversification Opportunities. Enhance productivity and lower overall cost.

Employee Benefits: Portfolio Diversification Opportunities. Enhance productivity and lower overall cost. Employee Benefits: Portfolio Diversification Opportunities Enhance productivity and lower overall cost. A SEAMLESS ORGANIZATION IN A WORLD WITHOUT BOUNDARIES HR Directors now need to think global. The

More information

Simply Healthworks puts private medical insurance within your company s reach

Simply Healthworks puts private medical insurance within your company s reach Simply Healthworks puts private medical insurance within your company s reach HEALTH INSURANCE Simply Healthworks - making private medical insurance more accessible Simply Healthworks has been created

More information

making a healthy difference

making a healthy difference making a healthy difference HEALTHY STAFF FOR A HEALTHY BUSINESS Westfield Health is a not for profit organisation with over 90 years experience in the health insurance sector. Because we specialise in

More information

Corporate Benefit Solutions

Corporate Benefit Solutions Corporate Benefit Solutions Doing Business with Infinity Infinity receives remuneration directly from our product providers. We do not charge a fee for initial consultations and will only apply charges

More information

North Cork Business Alliance. July 17th

North Cork Business Alliance. July 17th North Cork Business Alliance July 17th April Ireland Odhran O Mahony BA QFA APA(Personal General Insurance) Broker Development Manager 2 Agenda April Ireland April Group Our Plans Key Benefits Corporate

More information

Business Healthcare benefits at a glance

Business Healthcare benefits at a glance Business Healthcare benefits at a glance The below table shows the benefits and cover options you can get with a Business Healthcare plan from PruHealth. All plans start with Core Cover, which has a variety

More information

Corporate Health Insurance

Corporate Health Insurance Corporate Health Insurance Protects You, Your Business and Your Employees your first choice for independent medical insurance cover and advice FirstUnited is a leading insurance intermediary group operating

More information

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands GLOBAL INSURANCE FOR EXPATRIATES Your health in our hands THE challenges EXPATRIATES FACE ABROAD Life as an expatriate is full of exciting opportunities, but there are potential problems to consider too:

More information

BUSINESS HEALTHCARE BENEFITS AT A GLANCE FROM VITALITYHEALTH VITALITY.CO.UK/HEALTH

BUSINESS HEALTHCARE BENEFITS AT A GLANCE FROM VITALITYHEALTH VITALITY.CO.UK/HEALTH BUSINESS HEALTHCARE BENEFITS AT A GLANCE FROM VITALITYHEALTH VITALITY.CO.UK/HEALTH BENEFITS AT A GLANCE WITHIN THIS DOCUMENT YOU WILL FIND THE BENEFITS AND COVER OPTIONS YOU COULD HAVE WITH A BUSINESS

More information

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands GLOBAL INSURANCE FOR EXPATRIATES Your health in our hands THE challenges EXPATRIATES FACE Life as an expatriate is full of exciting opportunities, but there are potential problems to consider too: A serious

More information

Preferential The health plan that provides comprehensive private medical insurance cover

Preferential The health plan that provides comprehensive private medical insurance cover Preferential The health plan that provides comprehensive private medical insurance cover HEALTH INSURANCE Preferential Private Health Cover Preferential provides your employees with extensive levels of

More information

DEDICATED CLAIMS TEAM

DEDICATED CLAIMS TEAM PRIVATE CLIENTS Perkins Slade is one of the UK s largest independent insurance brokers with more than 40 years experience in providing bespoke and highly confidential insurance solutions designed for discerning

More information

Savings Interest Rates

Savings Interest Rates Savings Interest Rates The information in this leaflet is correct as at 18 August 2015 This leaflet forms an integral part of our Savings brochure. Loyalty Cash ISA Flexible Saver HSBC Premier Savings

More information

SARK MEDICAL INSURANCE SCHEME 2014/2015 Product Comparison

SARK MEDICAL INSURANCE SCHEME 2014/2015 Product Comparison SARK MEDICAL INSURANCE SCHEME 2014/2015 Product Comparison Page 1 Page 3 Page 5 Listed Benefits Part 1 Listed Benefits Part 1 Listed Benefits Part 1 The comparison sheet issued with your renewal papers

More information

Introduction 2. Private Healthcare Scheme (AXA PPP) 3. Permanent Health Insurance (UNUM) 4. Group Personal Accident Group (ACE Europe) 5

Introduction 2. Private Healthcare Scheme (AXA PPP) 3. Permanent Health Insurance (UNUM) 4. Group Personal Accident Group (ACE Europe) 5 Employee Benefits Contents Introduction 2 Private Healthcare Scheme (AXA PPP) 3 Permanent Health Insurance (UNUM) 4 Group Personal Accident Group (ACE Europe) 5 Death in Service Scheme 6 Employee Assistance

More information

Save Together. Terms and Conditions

Save Together. Terms and Conditions Save Together Terms and Conditions Save Together Subject to eligibility. Save Together offer Terms and Conditions apply. Save Together offer is a benefit of the HSBC Advance Bank Account. This document

More information

General Price List and Interest Rates

General Price List and Interest Rates General Price List and Interest Rates The information in this leaflet is correct as at 10 November 2014 The prices and information in this leaflet apply to your personal account, unless your account is

More information

General & Medical. Opt-in. private healthcare solutions

General & Medical. Opt-in. private healthcare solutions General & Medical Opt-in private healthcare solutions Contents Choose General & Medical Healthcare 3 Opt-in Schemes - a unique concept 4 A Range of Schemes - to suit everyone 4 Equs Range - essential affordable

More information

HEALTH & WELL-BEING: AN EMPLOYER S PERSPECTIVE

HEALTH & WELL-BEING: AN EMPLOYER S PERSPECTIVE HEALTH & WELL-BEING: AN EMPLOYER S PERSPECTIVE Introduction Organisations provide employee benefits for a variety of different reasons. For some, it s to reward employees. For others, it s to keep up with

More information

STARTER GUIDE TO CONTRACTING/FREELANCING

STARTER GUIDE TO CONTRACTING/FREELANCING STARTER GUIDE TO CONTRACTING/FREELANCING This guide has been developed by the Partners of Forbes Young and is meant to be used as an informative and useful resource for people new to contracting or freelancing

More information

Working harder to make your business better. Employee health cover from just. 33p. per day

Working harder to make your business better. Employee health cover from just. 33p. per day Working harder to make your business better. Employee health cover from just 33p per day Good news for Chamber members. Health cover at a price that really works for your business. Hello. And a warm welcome

More information

Bupa Malta Health Insurance

Bupa Malta Health Insurance Bupa Malta Health Insurance Bupa in Malta is brought to you by About 2 www.bupa.com.mt Bupa As a leading international healthcare group, Bupa offer personal and company health insurance, run care homes

More information

Business Debit Card Cardholder Terms

Business Debit Card Cardholder Terms Business Debit Card Cardholder Terms Additional Conditions For all HSBC Business Debit Card Cardholders as of 1 December 2014. Table of Contents Page How to reach us 3 If you have a disability 3 1. What

More information

Making health insurance more accessible for the mass market

Making health insurance more accessible for the mass market insurance services Making health insurance more accessible for the mass market Recent waiting time figures show the NHS is creaking at the seams as it finds it increasingly difficult to deliver the required

More information

Working harder to make your business better. Employee health cover from just. 36p. per day

Working harder to make your business better. Employee health cover from just. 36p. per day Working harder to make your business better. Employee health cover from just 36p per day Good news for Chamber members. Health cover at a price that really works for your business. Hello. And a warm welcome

More information

Quality medical benefits for companies with 3 29 employees

Quality medical benefits for companies with 3 29 employees APRIL UK PRIVATE MEDICAL INSURANCE PLAN FOR SMEs Quality medical benefits for companies with 3 29 employees www.april-uk.com Changing the image of insurance UK WELCOME TO APRIL UK - A NAME YOU CAN TRUST

More information

Personal Healthcare benefits at a glance

Personal Healthcare benefits at a glance Personal Healthcare benefits at a glance The below table shows the benefits and cover options you can get with a Personal Healthcare plan from PruHealth. All plans start with Core Cover, which has a variety

More information

School Benefits Solutions. The possibilities are endless

School Benefits Solutions. The possibilities are endless The possibilities are endless The possibilities are endless Table of contents Our global network of professional partners...4 Welcome to Infinity school benefits solutions...5 Infinity s service pledge

More information

KEEPING YOUR BUSINESS MOVING.

KEEPING YOUR BUSINESS MOVING. WORKPLACE BENEFITS: PROTECTION GROUP INCOME PROTECTION KEEPING YOUR BUSINESS MOVING. Manage your company s absence with our group income protection cover. Our focus on early intervention and funding treatment

More information

Introduction - Bupa Worldwide Health Options (BWHO)

Introduction - Bupa Worldwide Health Options (BWHO) Introduction - Bupa Worldwide Health Options (BWHO) Thank you for your enquiry. BUPA (British United Provident Association) is the biggest world class private medical insurance that makes quality health

More information

Growing Your Business with Unum s new Income Executive Protection cover and - A Guide for Advisers Group Income Protection

Growing Your Business with Unum s new Income Executive Protection cover and - A Guide for Advisers Group Income Protection unum.co.uk Growing Your Business with Unum s new Income Executive Protection cover and - A Guide for Advisers Group Income Protection Cover for what s really needed - a foundation level for essential financial

More information

Member benefits and offers from providers chosen by us

Member benefits and offers from providers chosen by us Specially negotiated for you Member benefits and offers from providers chosen by us Spring / Summer 2013 www.iod.com/speciallynegotiated Directors liability insurances Specialist insurance for you and

More information

Business Mobile Plans

Business Mobile Plans Product solutions Business Mobile Plans Isle of man Whatever the size of your business, we can provide the ideal mobile solution for you. Our tariffs are flexible to suit all kinds of businesses and are

More information

PG Mutual Medical Care Plan

PG Mutual Medical Care Plan It didn t take Jeff long to get back to everyday life following his operation. Thank goodness for PG Mutual s private medical insurance PG Mutual Medical Care Plan Why you need private medical cover The

More information

Private Client Services. Your World. Our Guidance

Private Client Services. Your World. Our Guidance Private Client Services Your World Our Guidance Canaccord Genuity Wealth Management is an award winning wealth manager committed to providing investors with a broad array of investment opportunities.

More information

Generali PanEurope Employee Benefits

Generali PanEurope Employee Benefits Generali PanEurope Employee Benefits group income protection CLAIMS PROCESS Group Income Protection 2 A Guide to Claims An Income Protection policy provides Employees with an income after a specified period

More information

The business case for private health cover Aviva s guide to protecting your company and your employees

The business case for private health cover Aviva s guide to protecting your company and your employees The business case for private health cover Aviva s guide to protecting your company and your employees We are one of the UK s leading providers of health and protection solutions, and experts in providing

More information

Employee Assistance Programme

Employee Assistance Programme 32938_ONEGI_GEN1914.qxp:32938_ONEGI_GEN1914 30/9/11 03:45 Page 1 Employee Assistance Programme Winner Best Occupational Health Provider Health Insurance Awards 2007, 2008, 2009 and 2010 Contents: Why consider

More information

YOUR COMPANY GUIDE TO A HEALTHIER FUTURE

YOUR COMPANY GUIDE TO A HEALTHIER FUTURE FOR MORE INFORMATION Call 1300 775 798 (from within Australia) +61 3 9937 4277 (from outside Australia) Visit bupa.com.au/expats Email: internationalcompanyhealth@bupa.com.au International Private Medical

More information

Stress Management Policy

Stress Management Policy Level 3 - H&S Policy Structure Stress Management Policy BACKGROUND The Health & Safety Executive (HSE) define stress as the adverse reaction people have to excessive pressures or other types of demand

More information

A SIMPLE BUSINESS BOOST.

A SIMPLE BUSINESS BOOST. GROUP PROTECTION ADVISER GUIDE A SIMPLE BUSINESS BOOST. Group protection is a growing area in financial services. It offers an opportunity to widen your proposition, and this guide will help you take full

More information

Income protection. Paying you a monthly income if you can t work because of an accident or illness

Income protection. Paying you a monthly income if you can t work because of an accident or illness Income protection Paying you a monthly income if you can t work because of an accident or illness Income Protection How it works when you can t Income Protection is a type of insurance which helps replace

More information

Macmillan Cancer Support Volunteering Policy

Macmillan Cancer Support Volunteering Policy Macmillan Cancer Support Volunteering Policy Introduction Thousands of volunteers dedicate time and energy to improve the lives of people affected by cancer. Macmillan was started by a volunteer and volunteers

More information

International Company Plan. Taking good care of. your people. wherever they are

International Company Plan. Taking good care of. your people. wherever they are International Company Plan Taking good care of your people wherever they are Bupa international medical insurance is underwritten in Australia by Mutual Community General Insurance Pty Ltd (ABN 59 007

More information

HSBC Premier Price List

HSBC Premier Price List HSBC Premier Price List HSBC Premier customers receive preferential rates on many accounts and services. If you have any questions, please call the HSBC Premier telephone banking service on 03457 70 70

More information

The Corporate Global Health plans explained. Plans designed by

The Corporate Global Health plans explained. Plans designed by The Corporate Global Health plans explained Plans designed by The Corporate Global Health plans are for employers who want their staff to be able to access the very best private health care within Dubai,

More information

Plans for Children. Helping your child smile with confidence. Speak to your dentist today

Plans for Children. Helping your child smile with confidence. Speak to your dentist today Plans for Children Helping your child smile with confidence Speak to your dentist today Plans for Children Helping to stop problems before they start Plans for Children allows your dentist to provide the

More information

Fees. A guide to personal account fees

Fees. A guide to personal account fees Fees A guide to personal account fees We re committed to helping you get the most out of your account which includes making you aware of the charges and rates of interest that apply to your account. It

More information

General & Medical. Opt-in. private healthcare solutions

General & Medical. Opt-in. private healthcare solutions General & Medical Opt-in private healthcare solutions Contents Choose General & Medical Healthcare 3 Opt-in Schemes - a unique concept 4 A Range of Schemes - to suit everyone 4 Equs Range - essential affordable

More information

Visa Debit Card User Guide

Visa Debit Card User Guide Visa Debit Card User Guide Visa Debit Card User Guide Introducing the card This user guide explains how our Visa debit card service works in conjunction with your account. You are welcome to contact our

More information

Employee Benefits. Most businesses have one thing in common: PEOPLE. 01564 829009 www.harrisandassociates.co.uk

Employee Benefits. Most businesses have one thing in common: PEOPLE. 01564 829009 www.harrisandassociates.co.uk Employee Benefits Attracting top professionals, staff retention or acting ethically towards your workforce, benefits can make the difference. Most businesses have one thing in common: PEOPLE In a highly

More information

Secure liability solutions. Syndicate 2525 Bespoke liability insurance, for complex and high risk businesses EL PL. insurance

Secure liability solutions. Syndicate 2525 Bespoke liability insurance, for complex and high risk businesses EL PL. insurance Secure liability solutions Syndicate 2525 Bespoke liability insurance, for complex and high risk businesses & EL PL insurance What we cover 2525 Classes of Business Underwritten: Employer s Liability (including

More information

1. What is the purpose of the Agreement? 3. 2. Who does this Agreement cover? 3. 3. Which payments are covered by the Agreement? 4

1. What is the purpose of the Agreement? 3. 2. Who does this Agreement cover? 3. 3. Which payments are covered by the Agreement? 4 Contents 1. What is the purpose of the Agreement? 3 2. Who does this Agreement cover? 3 3. Which payments are covered by the Agreement? 4 4. To which country are social security contributions due? 5 5.

More information

11/05/2016. Developing and Pricing an Innovative Long Term Medical Insurance Product

11/05/2016. Developing and Pricing an Innovative Long Term Medical Insurance Product Developing and Pricing an Innovative Long Term Medical Insurance Product Peter Gatenby of Peter Gatenby Consulting and Amanda Brown of National Deposit Friendly Society 11 May 2016 Today s presentation

More information

J&rgonfreebenefits. A jargon free way of managing auto-enrolment and delivering cutting edge employee reward packages. JargonFreeBenefits.co.

J&rgonfreebenefits. A jargon free way of managing auto-enrolment and delivering cutting edge employee reward packages. JargonFreeBenefits.co. J&rgonfreebenefits A jargon free way of managing auto-enrolment and delivering cutting edge employee reward packages Agenda A general overview Benefits for the Employee Benefits for the Employer JargonFreePensions.co.uk

More information

RBC EQUITY PLAN ADMINISTRATION AND TRUSTEE SERVICES

RBC EQUITY PLAN ADMINISTRATION AND TRUSTEE SERVICES RBC EQUITY PLAN ADMINISTRATION AND TRUSTEE SERVICES EMPLOYEE EQUITY PLAN ADMINISTRATION AND TRUSTEE SERVICES Equity plans represent a vital part of employee compensation, being designed to recruit, reward

More information

Zurich International Group Risk Solutions

Zurich International Group Risk Solutions Zurich International Group Risk Solutions Introduction HR managers of multinational organizations face the challenge of providing consistent protection benefits for a globally diverse workforce. The coverage

More information

frequently asked questions

frequently asked questions Healthcare benefits: frequently asked questions About healthcare benefits What is private medical insurance? Private medical insurance (PMI) is a scheme designed to meet the cost of private medical treatment

More information

BUPA SELECT KEY POLICY SUMMARY. Effective from 1 January 2014. bupa.co.uk BUPA. HELPING YOU FIND HEALTHY

BUPA SELECT KEY POLICY SUMMARY. Effective from 1 January 2014. bupa.co.uk BUPA. HELPING YOU FIND HEALTHY BUPA SELECT KEY POLICY SUMMARY Effective from 1 January 2014 bupa.co.uk BUPA. HELPING YOU FIND HEALTHY Welcome to Bupa Select Key (the scheme). This policy summary contains key information about the scheme.

More information

Group Income Protection Employer and Employee Assistance Programme

Group Income Protection Employer and Employee Assistance Programme For commercial customers only Group Income Protection Employer and Employee Assistance Programme A service for all our Group Income Protection policyholders Group Income Protection EAP Employer Assistance

More information

A GUIDE TO RETIREMENT ANNUITY TRUST SCHEMES ( RATS ) IN GUERNSEY

A GUIDE TO RETIREMENT ANNUITY TRUST SCHEMES ( RATS ) IN GUERNSEY A GUIDE TO RETIREMENT ANNUITY TRUST SCHEMES ( RATS ) IN GUERNSEY TABLE OF CONTENTS INTRODUCTION... 3 WHAT IS A RETIREMENT ANNUITY TRUST SCHEME?... 3 THE TRUSTEES... 4 APPROVAL... 4 TRANSFERS FROM OTHER

More information

STAFF INCOME PROTECTION

STAFF INCOME PROTECTION A guide to STAFF INCOME PROTECTION with PG Mutual www.pgmutual.co.uk We hope that you find this guide to PG Mutual s Staff Income Protection Plan useful. If you would like to know more, please contact

More information

For customers Friends Life Protect+ Income Protection Cover. Income Protection Cover. It s income protection. And more.

For customers Friends Life Protect+ Income Protection Cover. Income Protection Cover. It s income protection. And more. For customers Friends Life Protect+ Income Protection Cover Income Protection Cover It s income protection. And more. It s income protection. And... 2 it addresses a vital need it provides a regular income

More information

For customers. Friends Life Protect+ Income Protection Cover. Income Protection Cover. It s income protection. And more.

For customers. Friends Life Protect+ Income Protection Cover. Income Protection Cover. It s income protection. And more. For customers Friends Life Protect+ Income Protection Cover Income Protection Cover It s income protection. And more. It s income protection. And... 2 it addresses a vital need it provides a regular income

More information

nib global health International health cover you can rely on

nib global health International health cover you can rely on nib global health International health cover you can rely on Email contactus@nibglobalhealth.co.nz or call 0800 642 456 8am to 5.30pm (NZST) Monday to Friday Contents Great value international health insurance

More information

An innovative approach to Group Income Protection PROACTIVE PROTECTION FROM METLIFE

An innovative approach to Group Income Protection PROACTIVE PROTECTION FROM METLIFE An innovative approach to Group Income Protection PROACTIVE PROTECTION FROM METLIFE 2 Contents Introduction 3 ProActive Protection 4 How it works 5 ProActive Interventions 6 ProActive Support 7 ProActive

More information

A GUIDE TO UNDERSTANDING EMPLOYER & EMPLOYEE ATTITUDES TOWARDS DENTAL CARE

A GUIDE TO UNDERSTANDING EMPLOYER & EMPLOYEE ATTITUDES TOWARDS DENTAL CARE A GUIDE TO UNDERSTANDING EMPLOYER & EMPLOYEE ATTITUDES TOWARDS DENTAL CARE Introduction Regular visits to the dentist are an important part of a health regime, helping to keep teeth and gums healthy and

More information

To find out more, please contact your Capita consultant or visit www.capita.co.uk/employeebenefits

To find out more, please contact your Capita consultant or visit www.capita.co.uk/employeebenefits assure Delivering DC health excellence benefits excellence self- sustaining Good broking alone is not enough to deliver lasting value. There is substantial evidence to confirm that employees value highly

More information

Blue Solutions Specialty Services

Blue Solutions Specialty Services Blue Solutions Specialty Services For small employers Offer your employees the most comprehensive benefits package Adult Dental Plans Accident & Critical Illness Insurance Global Travel Insurance ibx.com/bluesolutions

More information

MANAGEMENT OF ILL HEALTH POLICY GUIDE FOR MANAGERS

MANAGEMENT OF ILL HEALTH POLICY GUIDE FOR MANAGERS MANAGEMENT OF ILL HEALTH POLICY GUIDE FOR MANAGERS June 2006 1 Introduction This document has been prepared in order to provide support for managers when implementing the Management of Ill Health Policy

More information

HSBC Help to Buy: ISA

HSBC Help to Buy: ISA HSBC Help to Buy: ISA 2 Contents What is a Help to Buy: ISA? 3 How does it work? 4 Summary box 6 Am I eligible? 7 Bonus payment 7 Ready to apply? 8 What happens next? 9 Important Information 10 3 What

More information

Growing Your Business with Unum s new Income Made Protection To Measure cover - A Guide for Advisers

Growing Your Business with Unum s new Income Made Protection To Measure cover - A Guide for Advisers unum.co.uk Growing Your Business with Unum s new Income Made Protection To Measure cover - A Guide for Advisers Group Income Protection Plans Cover To for what s Suit really All needed Businesses - a foundation

More information

Bupa International Company Plan. Taking good care of. your people. wherever they are

Bupa International Company Plan. Taking good care of. your people. wherever they are Bupa International Company Plan Taking good care of your people wherever they are Look after your people, look after your business Every successful business relies on its people. That s why choosing the

More information

Interest Rates for Savings Accounts

Interest Rates for Savings Accounts Interest Rates for Savings Accounts Intermediaries Rates apply to Barclays Private Clients International Limited Reference Rates The following reference rates are used for products that track the Base

More information

The interest rate that applies to an account is determined according to the account balance on a tiered basis, unless indicated otherwise.

The interest rate that applies to an account is determined according to the account balance on a tiered basis, unless indicated otherwise. Intermediaries Interest Rates for savings and bank accounts Rates apply to Barclays Private CIients International Limited The accounts referred to in this document are available to clients subject to eligibility.

More information

Accident, Sickness & Hospitalisation Plan. Paying you an income if you can t work. Changing the image of insurance.

Accident, Sickness & Hospitalisation Plan. Paying you an income if you can t work. Changing the image of insurance. Accident, Sickness & Hospitalisation Plan Paying you an income if you can t work UK Changing the image of insurance. Preparing for the unexpected... What would happen to you and your family if you fell

More information

KEY GUIDE. Financial protection for you and your family

KEY GUIDE. Financial protection for you and your family KEY GUIDE Financial protection for you and your family Protecting what matters most Life and health insurance protection underpins most good financial planning. These types of insurance can ensure that

More information

Tailored Portfolio Management Service. Investing with purpose and insight

Tailored Portfolio Management Service. Investing with purpose and insight Tailored Portfolio Management Service Investing with purpose and insight Tailored Portfolio Management Service With a history of working closely with wealthy individuals, we take pride in the insight

More information

BUPACARE POLICY SUMMARY. Effective from 1 January 2015. bupa.co.uk

BUPACARE POLICY SUMMARY. Effective from 1 January 2015. bupa.co.uk BUPACARE POLICY SUMMARY Effective from 1 January 2015 bupa.co.uk 2 This policy summary contains key information about BupaCare. You should read this carefully and keep it in a safe place afterwards. Please

More information

Generali Worldwide Group Insurance Plans

Generali Worldwide Group Insurance Plans Generali Worldwide Group Insurance Plans Your health under our wings generali-worldwide.com 2 of 14 Generali Worldwide Insurance Company Limited - Group Insurance Plans Brochure Group Insurance Plans Brochure

More information

PG Mutual Medical Care Plan

PG Mutual Medical Care Plan It didn t take Jeff long to get back to everyday life following his operation. Thank goodness for PG Mutual s private medical insurance PG Mutual Medical Care Plan PG Mutual Medical Starter Plan Why you

More information

Chamber Plan. 0808 178 1179 admin@plutushealth.co.uk www.plutushealth.co.uk. Chamber

Chamber Plan. 0808 178 1179 admin@plutushealth.co.uk www.plutushealth.co.uk. Chamber Chamber Plan 0808 178 1179 admin@plutushealth.co.uk www.plutushealth.co.uk Chamber Contents 03 04 05 06/07 08/09 10/11 About us Incentivising your employees How does a Plutus Health Chamber Plan work?

More information

The Aviva relocation trends report. Insights, challenges and solutions to aid successful relocation

The Aviva relocation trends report. Insights, challenges and solutions to aid successful relocation The Aviva relocation trends report Insights, challenges and solutions to aid successful relocation Contents 3 Introduction 4 Relocation trends 6 What makes people want to experience a new country? 7 Challenges

More information

Zurich Rehabilitation

Zurich Rehabilitation Service Zurich Rehabilitation Reducing costs by reducing time off work Many businesses seriously underestimate the costs of day-to-day accidents and injuries. As well as increased insurance premiums and

More information

PDI-01 THE NATURE OF INSURANCE

PDI-01 THE NATURE OF INSURANCE PDI-01 THE NATURE OF INSURANCE KEY POINTS 2016 CHAPTER ONE: THE IRISH INSURANCE MARKET WHERE YOU WORK A The Irish insurance market The insurance market involves four main groups: Insurance buyers those

More information

Getting started. Introducing your account

Getting started. Introducing your account Getting started Introducing your account 2 Welcome to banking designed to suit your taste When it comes to banking, we don t believe one size fits all. That s why in addition to our regular Bank Account,

More information

Business Banking. Business account charges

Business Banking. Business account charges Business Banking Business account charges Contents Services you don t pay for 2 Business Tariffs frequently used services 3 How to reduce your transaction charges 5 Charges for one off account services

More information

Interest Rates for Savings and Bank Accounts

Interest Rates for Savings and Bank Accounts Interest Rates for Savings and Bank Accounts The accounts referred to in this document are available to clients subject to eligibility. Terms apply. Please speak to your usual contact for further details.

More information

My Health Cash Plan for Groups. Group Member Handbook

My Health Cash Plan for Groups. Group Member Handbook My Health Cash Plan for Groups Group Member Handbook My Health Cash Plan for Groups My Health Cash Plan for Groups is a product designed to help you with your everyday healthcare needs. Your company has

More information

Accidents at Work. Personal Legal Services

Accidents at Work. Personal Legal Services Accidents at Work Personal Legal Services This information relates to the law and procedures in England and Wales. Please contact us if you need advice about the law and procedure in other legal jurisdictions.

More information

Health. Insurance YOUR GUIDE TO. Life Insurance Association. General Insurance Association of Singapore. Produced by.

Health. Insurance YOUR GUIDE TO. Life Insurance Association. General Insurance Association of Singapore. Produced by. Produced by Life Insurance Association General Insurance Association of Singapore YOUR GUIDE TO Health Insurance An initiative of MoneySENSE A National Financial Education Programme for Singapore Introduction

More information

ACCIDENT AND HEALTH YOUR PEOPLE

ACCIDENT AND HEALTH YOUR PEOPLE ACCIDENT AND HEALTH YOUR PEOPLE The human workforce is the single most important asset in any organisation: it is also the most vulnerable. Providing the best protection for your people against unexpected

More information

FINANCIAL REPORT AND ACCOUNTS 2012

FINANCIAL REPORT AND ACCOUNTS 2012 Overall Position for 2012 Income and Expenditure SUMMARY OF FINANCIAL REPORT AND ACCOUNTS 2012 The States ended the year in a good position, with higher income than budgeted, and lower expenditure than

More information

Business Reward Account

Business Reward Account Business Reward Account Additional Conditions For all HSBC Business Reward Account customers as of 1 December 2014. Table of Contents Page How to reach us 3 If you have a disability 3 1. What you should

More information

UK Consultant Recognition Terms & Conditions

UK Consultant Recognition Terms & Conditions UK Consultant Recognition Terms & Conditions Allianz Worldwide Care Introduction This document outlines the terms & conditions of being an Allianz Worldwide Care recognised consultant. These terms & conditions

More information