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1 Tailored For Business

2 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 from across the whole market, and will at all times use our excellent commercial relationships to secure the best deal on your behalf. Employee Assistance Programme Health Assured Pg.2 Private Medical Insurance (PMI) Justhealth - Simplyhealth Pg. 4 Healthcare Cash Plan SmartCover for Business - Medicash Pg. 5 Company Choices - Simplyhealth Pg. 6 Excess & Shortfall Protection Medex Protect Pg. 7 Dental Insurance Lucent - Denplan Pg. 8 Travel Insurance Business Complete - Bupa Pg. 10 Health Screenings Prevent PLC Pg.11 Corporate Group Protection Group Life Insurance - Unum Pg. 12 Group Critical Insurance - Unum Pg. 12 Group Income Protection - Unum Pg. 12

3 A little about us... Welcome to The Health Insurance Group, one of the UK s leading healthcare specialist intermediaries. This brochure highlights our hand picked selection of products from leading insurers that are either exclusive to business customers of The Health Insurance Group or available to our clients on preferential rates. We have a nationwide team of advisors who deliver affordable healthcare benefits to companies and individuals alike, with high quality advice and a commitment to personal service. We pride ourselves on bringing our customers a unique insight into healthcare. Private Medical Insurance Healthcare Cash Plans Employee Assistance Programmes Health Screenings Dental Insurance Travel Insurance Life Insurance Critical Illness Insurance Income Protection Insurance I would like to take this opportunity to thank you for your interest in our business. My colleagues and I are delighted to be able help you find quality healthcare Iain McMillan Managing Director BEST POLICY FOR YOU 1

4 Employee Assistance Programme Health Assured The Health Insurance Group s Employee Assistance Programme (EAP), offered by Health Assured, is far more comprehensive than others available in the UK. Our proactive day 1 intervention for stress related absence delivers superior support for your employees while demonstrating a clear duty of care on the part of yourself as a responsible employer. Pre-commencement medical screening questionnaires, to ensure new employees are fit for the work required and that you the employer comply with the Equality Act Sessions of face to face counselling, including access to Cognitive Behavioural Therapy (CBT), the recommended treatment for a broad range of mental health conditions under National Institute for Clinical Excellence (NICE) guidelines. Immediate intervention programme for employees signed off work with stress, to facilitate a swift return to work. Sickness Absence costs 13% of SME Payroll Talk to our advisor about a solution for Absence Management. It can empower you as an employer to effectively manage the level of sickness absence within your work. (Source: Metlife Survey 2013) 2

5 We don t sell health insurance we sell health care. Our company promotes a healthy lifestyle in the workplace, which may provide you with the edge when it comes to attracting and retaining key employees. In addition, your employees will be more alert and more productive.

6 Private Medical Insurance JustHealth - Simplyhealth Nationwide network of approved hospitals At The Health Insurance Group we want to make sure you get the best treatment for your employees, with outstanding customer service at a price you can afford JustHealth has been developed exclusively for clients of The Health Insurance Group and is a flexible solution that allows you to build the policy of your choice. You can even provide different levels of cover for different employees to ensure the most effective budget spend and sustainability of your policy. Adding flex up choices to your Core Cover, such as enhanced cash benefits and travel cover, enables you to build the right policy for you, yet you can still select flex down choices to remove elements of cover to contain costs, such as cancer or psychiatric cover. 10% Premium reduction for Open Referral Option. Available to groups of 3 or more employees. Nationwide network of approved hospitals. GP Referral for simple Diagnostic Tests. Just For You As a customer of The Health Insurance Group, you can select one of two flex up choices, absolutely free 4

7 Healthcare Cash Plan SmartCover for Business - Medicash SmartCover for Business is an exclusive product we ve put together with one of the UK s leading cash plan providers Medicash. We think it s better to be proactive not reactive, that s why this company paid healthcare cash plan provides cover for the things your employees care about most. Look after your workforce with this plan designed to save you money on your Private Medical Insurance premiums whilst also giving your staff a comprehensive range of great healthcare benefits. From as little as 1 per week, SmartCover for Business offers cash back on a full range of health services, including a PMI Excess Cover of 250 Four levels of cover to suit your budget Exclusive availability to groups of Best Doctors InterConsultation TM Programme - free second medical opinion service Exclusive PMI Excess cover levels starting at 250 Medicash Extras - Save 100 s with exclusive deals and discounts on a range of lifestyle and leisure purchases 5

8 Healthcare Cash Plan Company Choices - Simplyhealth Ca sh Pl an CASH PLAN NO CASH PLAN Reduced Premiums High Premiums Claim back the cost of excess payments No cover for routine treatment Cover for routine treatments High excess payments to reduce premiums Company Choices from Simplyhealth has been developed especially for The Health Insurance Group and provides money back for everyday dental and optical costs, plus access to health and well-being advice. Our upgrade option provides extra benefits, such as complementary health and physiotherapy treatments, private consultations including diagnostics tests, health screening and reimbursement for the cost of paying an excess on a PMI plan. Join our growing number of clients who are reducing their healthcare costs while enhancing their employee benefits, by combining their existing PMI plan with a Company Choices cash plan. Pre-existing conditions covered from Day 1 Available to groups of 5 or more employees Industry leading levels of cover for your dental and optical costs, with immediate cover for 100% of these costs, up to your chosen benefit level Immediate cover for 100% of any non GP referred physiotherapy, osteopathy, chiropractic treatment, acupuncture or homeopathy costs, up to your chosen benefit level Reclaim the cost of paying an excess on your Company PMI plan 6

9 Excess & Shortfall Protection Medex Protect Medex Protect are a specialist medical excess and shortfall protection company, and as a client of The Health Insurance Group you can insure your PMI excess and have additional protection in the event of a policy shortfall. For example: If you have a 250 excess on your Private Medical Insurance policy and you have a claim for 1000, you are liable for the first 250 of the claim and the insurance company pays 750. Your medical excess and shortfall insurance policy is designed to reimburse you for the 250 excess charge. A simple, cost effective method to realise savings in your Private Medical Insurance Costs. Medex Protect also offer the facility for Employees to purchase Medical Excess and Shortfall Protection on a Voluntary basis for their Partners and Dependants. 2 Plans to choose from: PMI Excess up to 150 or 250 Both plans include an additional benefit of 250 to cover shortfalls Generate a significant reduction in PMI premium costs Enhance benefits with the Shortfall Protection benefit Reduce P11D liabilities for employees by reducing PMI costs Simplify the admin process - Employees do not need to be out of pocket as Medex Protect will settle the excess payment directly with the provider. 7

10 Dental Insurance Lucent - Denplan Denplan s Lucent schemes are specifically designed to provide cover for a full range of preventative and restorative dental treatments at a low premium pricepoint. With a network of 6500 private dentists, these plans offer worldwide coverage with no annual limits. Not only will they cover the full range of common dental treatments but also dental injuries and dental emergencies. Customers of The Health Insurance Group have access to preferential rates from Denplan, making it even easier to fit cover within your budget, and with a tangible contribution towards your employees dental costs. Preferential Rates Exclusive 2 year fixed price option Available to groups of 2 or more employees Network of nearly 2,000 dentists giving discounts to employees Online claims facility 6 levels of cover 100% reimbursement of NHS Treatment 8

11 Make more money by keeping your workforce healthy. Companies that effectively appreciate employee value and offer health benefits, enjoy a return on equity & assets more than triple that experienced by firms that don t. Dr. Noelle Nelson Clinical Psychologist

12 Travel Insurance Business Complete - Bupa Looking after your employees wherever they are in the world, Bupa s market leading Business Travel Insurance plan is brought to you at the preferential and unbeatable premiums for clients of The Health Insurance Group. Whether your employees are traveling abroad for business or leisure they have the reassurance of Bupa s medical expertise and assistance, before, during and after their trip. Protect both your people and your business, from replacing lost laptops to emergency repatriation to the UK should someone fall ill during a trip. 24/7 support for all medical emergencies while traveling Available to groups of 2 or more employees Immediate cover - no medical questions, no exclusions for pre-existing conditions Worldwide cover for trips of up to 180 days Option to upgrade with cover for winter sports Family upgrade option 10

13 Health Screening Prevent PLC. We partner with Prevent PLC to take the technology and insight you would expect from a traditional Screening Clinic, and bring it all to you at your place of work. Using the latest mobile screening technology, experienced practitioners deliver comprehensive on site health assessments that save you and your employees the time and expense of having to attend a clinic or hospital. Conducted privately, confidentially and very conveniently within a room at your workplace. Uses the very latest medical equipment so that most results can be advised during the screening ensuring the advice given is specific to the individual. Stress Cardiomyopathy Test to advise executives on techniques to reduce the stress on their autonomic nervous and cardiovascular systems. Confidential & comprehensive report sent to the executives. Online booking system and follow-up well-being programme. Traditional Screenings? Customers of The Health Insurance Group who prefer to have their screening at a clinic or at a hospital are eligible for discounts off the cost of a screening at any BUPA or Nuffield Health Screening clinic. 11

14 Corporate Group Protection Unum We have partnered with Unum, the leading provider of Income Protection in the UK, to provide protection for both employees and businesses against the financial consequences of long-term illness, injury or the loss of key people within the business. Group Income Protection Cover for employees Group Life Insurance Group Critical Illness BILLS Increased Free Cover Limit and Insurer s adverse terms disregarded up to this limit, giving you more benefit & reducing the need for medical evidence Integrated Employee Assistance Programme with Legal Assistance for employers, creating a complete support package for you and your employees Comprehensive claims management and rehabilitation, providing a service you can rely on 12

15 What else can we offer? 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 from across the whole market from all of the insurers listed below, and will at all times use our excellent commercial relationships to secure the best deal on your behalf. Nuffield Health InterGlobal CONTACT US TODAY ON: or speak to your Adviser Keep yourself healthy and informed Get the very latest updates about nutrition, fitness, new medical studies and how to lead a healthy lifestyle Provided by The Health Insurance Group by joining or following our Health Feed 13

16 Our Ethics We are publicly committed to helping people live happier lives. We do this by offering them a source of protection via healthcare benefits for when things get in the way. Visit our website to find out about some of the great charities, events and employee schemes that provide help for people to avoid potential obstacles in their lives. The Health Insurance Group has a vested interest in improving wellness and wellbeing within the community. Through associations with Samaritans, The Wellbeing Symposium and our Responsibility Deal that all share the same core values, we can help educate many on the positive changes that can be made to impact their everyday lives. We have also recently been accredited as a Living Wage Employer from the government. Through teaching employees to make informed and balanced choices through the Responsibility Deal, to supporting the 24-7 lifeline from the Samaritans and also not forgetting our sponsorship of the Wellbeing Symposium, we hope to deliver lasting change to people's health. We are no passive supporter. We are there on the front line at all these events, as part of the cheer squad at the London Marathon, committing ourselves to healthy eating classes, and sponsoring the Wellbeing Symposium. These are our ethics, and we stick to them in everything we do. Huge congratulations to everyone who completed the London Marathon for Samaritans. I was there cheering everyone on, it was a fantastic atmosphere, raising a huge level of awareness for the charity that answers millions of calls a year. We are proud to be sponsoring the national charity across their different running events this year. - Iain McMillan, Managing Director. 14

17 The Health Insurance Group West Park House 23 Cumberland Place Southampton SO15 2BB Independent Sales Force Solutions Ltd. trading as The Health Insurance Group Authorised and Regulated by the Financial Conduct Authority Registered in England

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