Xerox Custom Healthcare Solution

Transcription

1 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 Solution, a high value, low cost health and wellbeing benefit package for small to medium companies, which offers features and rates that are usually only available to large corporate businesses. There is little to no start-up cost (there is no fee for reviewing the market as we have already undertaken this work), and membership can be as low as two employees for the majority of benefits. Many of the benefits can also be offered on a self-pay basis, so that even without any additional benefit budget, employers can offer a competitive voluntary benefit package to their employees. UK Private Medical Insurance Group Income Protection Group Life Assurance International Private Medical Insurance Dental Insurance Health Cash Plans Employee Assistance Programme Occupational Health Provision For more information please contact hrservicesuk@xerox.com Critical Illness Insurance Health Screenings

2 UK Private Medical Insurance Private healthcare cover can help keep staff well and/or get them back to work quickly All policies include a core level of cover, providing benefit for in-patient and day-case treatment. A limited level of out-patient benefit is also included, providing benefit for surgical procedures, cancer treatment (including radiotherapy and chemotherapy), and CT, MRI and PET scans in an AXA PPP scanning centre As standard, members will have access to a dedicated nurse service providing clinical telephone support for employees and their families who have been diagnosed with cancer Additional benefits include NHS cash benefit, private ambulance, parent accommodation and Expert Health, a 24 hour health information helpline Members will also have access to AXA PPP s new MSK Pathway, which allows members to access physiotherapy (via AXA PPP s partnership with Nuffield) with no requirement for GP referral. AXA PPP s trained physiotherapists will provide an initial triage service over the telephone, and treatment may be in the form of self-help at home, referral to hands on physiotherapy, or referral to a specialist consultant as appropriate In addition to the core cover, there are various add-on options available, including therapies, mental health, travel, dental and optical cover Helping your employees receive treatment quicker for acute medical conditions, but also motivating your employees without increasing fixed salary costs. Also promotes good health amongst employees. All of this helps to reduce absenteeism By providing company private medical insurance, employees feel valued, as every time employees receive quick diagnosis and treatment, they appreciate it as a real company benefit, which helps towards improving staff loyalty and retention

3 International Private Medical Insurance We have come together with Bupa Global to provide selected world class private medical insurance plans with specially enhanced terms for our clients. We believe there are four key areas that need to be addressed when implementing international healthcare; effective assignee placements, a fully compliant international solution, first class member servicing and an expansive hospital network for smooth payment facilitation. We are proud to work in partnership to provide both expert international medical advice and an innovative, market leading international healthcare proposition. With our integrated Custom Healthcare Solution you benefit from: Dedicated consultancy, clear advice and guidance Enhanced underwriting agreement providing Medical History Disregarded terms for groups of three or more employees Beneficial pricing Access to over 800,500 medical providers worldwide and direct settlement with over 11,300 hospitals. Cover for all types of cancer Independent second medical opinion with access to leading specialists at no extra cost 24 hour access to medical advice via Bupa Global s integrated Medical & Evacuation centre A dedicated case manager for complex or high cost treatment Full online capability, including real time claims submission and tracking An extensive and robust global regulatory framework, keeping your business compliant with local regulation Exceptional in-house multi-lingual member servicing, 24 hours a day, 365 days a year No restriction on job role or personal activities*. *subject to the standard conflict and disaster exclusion, see the plan guide for details

4 Group Income Protection Provides a guaranteed income for those employees who are unable to work as a result of illness or injury Security, with one of the largest providers of group income protection in the UK, Canada Life Premiums are usually allowable as a business expense and enjoy Corporation Tax relief, so reducing the real cost to the employer The flexibility to select a level of cover to suit your budget Contributes to good employer-employee relations A sensitive and efficient claims process An excellent addition to your employee benefits package as well as help and support during rehabilitation Reassurance that your employees have access to the best possible medical advice Can help to reduce absenteeism by avoiding inappropriate treatment and reducing the period of recovery Employees can also benefit from additional benefits, at no further cost, such as an employee assistance programme via Health Assured, and access to Best Doctors, a second opinion medical service via doctors who have been voted as the best by their peers

5 Group Life Assurance Provides a tax-free lump sum to an employee s family and dependants (paid via Trust, avoiding IHT and probate) Financial reassurance, via the employer, to an employee, their family and dependants Security, with the largest provider of group life assurance in the UK, Canada Life Premiums are usually allowable as a business expense and enjoy Corporation Tax relief, so reducing the real cost to the employer The flexibility to select a level of cover to suit your budget Contributes to good employer-employee relations A sensitive and efficient life claims process Provides access to a free to use bereavement and probate helpline

6 Critical Illness Insurance Provides a one-off tax-free cash payment to those employees who have been diagnosed with a serious illness (subject to 14 day survival period) Much needed security at a difficult time Employees can also benefit from additional benefits, at no further cost, such as access to RED ARC Services, designed to provide emotional support and advice at a very difficult time, and access to Best Doctors, a second opinion medical service via doctors who have been voted as the best by their peers Security, with one of the largest providers of group critical illness cover in the UK, Canada Life Premiums are usually allowable as a business expense and enjoy Corporation Tax relief, so reducing the real cost The flexibility to select a level of cover to suit your budget Contributes to good employer-employee relations A sensitive and efficient claims process An excellent addition to your employee benefits package Reassurance that your employees have access to the best possible medical advice Can help to reduce absenteeism by avoiding inappropriate treatment and reducing the period of recovery

7 Dental Insurance removes the routine dental treatment Provides valuable protection against benefits. This is useful to avoid duplication unexpected, costly dental treatment of cover should you already have, or be charges including crowns, bridges and looking to implement, a health cash plan, even dental implants; as well as routine under which reimbursement for routine treatments such as check-ups and hygienist dental treatment is available visits Provides full market support to help launch A free choice of dentist NHS and private and promote the scheme, to ensure full Immediate cover there are no waiting employee engagement and appreciation periods on any benefit Cover for planned and pending treatment This could motivate your employees without increasing fixed salary costs for new and switching members and also promote good oral hygiene Cover for pre-existing conditions (except for amongst employees, potentially reducing mouth cancer) absenteeism Worldwide cover for routine, accident and By providing company paid dental injury insurance, employees feel valued, as every Sports injury cover time employees receive cashback for Fast online claims process their treatment, they appreciate it as a Provides a unique product from NDP, real company benefit, which helps towards exclusive to Xerox HR Services clients, which improving staff loyalty and retention

8 Health Cash Plans Provides easy access to prompt, high quality healthcare which is an excellent way of showing your employees that their employer cares about their welfare Positively underlines the fact that you genuinely see your staff as valued members of the team Provides money back for everyday healthcare costs from optical and dental treatments to physiotherapy, with simple app based claims processing and benefit tracking Immediate cover there are no waiting periods on any benefit Encouraging routine dental and optical check-ups and treatments Preventing health problems by identifying signs early with health screenings Providing prompt access to a free choice of practitioners, including specialists, therapists and diagnostic tests Cover for pre-existing conditions Smartphone application (unique to Medicash) providing fast claims process and tracking, benefit balances and account information Unique product offering, to Xerox HR Services clients only, via Medicash Provides full market support to help launch and promote the scheme, to ensure full employee engagement and appreciation This could motivate your employees without increasing fixed salary costs By providing company health cash plans, employees feel valued, as every time employees receive cashback for their treatment, they appreciate it as a real company benefit, which helps towards improving staff loyalty and retention

9 Employee Assistance Programme Helps employees deal with personal and professional problems that might adversely impact their work performance, health and wellbeing Includes an assessment, short-term counselling and referral services for employees and their immediate family, from Health Assured Full market support to help launch and promote the EAP, to ensure full employee engagement and appreciation Immediate support is available to employees and subsequently employee productivity, absenteeism and presenteeism may improve as a result of the employee being able to tackle their problem As the employer, you will benefit from having access to a specialist commercial legal advice line, available 24 hours a day Provides you with ActiveCare (a proactive day 1 intervention tool) to assist with absence due to stress or anxiety. This is unique within the market and has a proven track record of significantly reducing costs to businesses and improving overall productivity given the earlier the absence is addressed, the shorter the total length of absence

10 Occupational Health Provision We have teamed up with Health Management Ltd (HML) to offer a range of easy to use, pay-as-you-go Occupational Health (OH) services designed specifically for organisations that use these services less frequently. Registering with us you gain secure access to a unique online tool for OH services, including case submission and tracking. The services available when you sign up are: Sickness absence management referrals. To determine the most appropriate medical intervention, all cases are triaged by experienced clinicians who will produce concise, evidenced-based medical reports, including clear prognosis of the employee s condition. Health at entry questionnaires to ask compliant questions to help you determine potential job adjustments for your employees to identify applicants whose health is incompatible with job demands (especially in safety critical roles), or who may put their own health, or the health of others at risk Employee health and wellbeing innovative tools HM Assist online and telephone support plus up to six face-toface sessions per issue HealthMatters portal providing topical and relevant health and wellbeing support and advice HealthManager an interactive online health and wellbeing self-assessment facility to assist employees with developing their own Health Score and targeting any potentially high risk areas

11 Health Screenings Provides an overview of your employees current health Helps identify any future health risks and offers practical ways for your employees to get healthier and fitter Physical examinations and consultations Results and personalised health report usually available on the day Practical action plan with advice to help minimise future health risks 24/7 GP Health Line ring and talk to one of Bupa s qualified nurses about health issues, and if necessary, receive a call back from a GP within the hour A musculoskeletal assessment designed to help employees keep fit, active and injury free Two lifestyle telephone coaching sessions to help employees reach their health goals Your company can gain the benefit of a healthy workforce that is in control of its own wellbeing, which in turn can improve employee morale and productivity Alternatively, you could provide access to these health assessments on a self-pay or partial company subsidy basis and the employees can claim back some or all of the cost via their health cash plan Xerox HR Consulting and Xerox HR Services are UK trading names of the following. Buck Consultants Limited (registered number ), Buck Consultants (Administration & Investment) Limited (registered number ) and Buck Consultants (Healthcare) Limited (registered number ) are private limited liability companies registered in England and Wales and all have their registered office at 160 Queen Victoria Street, London EC4V 4AN. Buck Consultants (Administration & Investment) Limited and Buck Consultants (Healthcare) Limited are authorised and regulated by the Financial Conduct Authority Xerox Corporation. All rights reserved. Xerox and Xerox and Design are trademarks of Xerox Corporation in the United States and/or other countries. BR18038