In today's fast-paced business landscape, caring for your employees' health and well-being is of paramount importance. Business health insurance offers a range of options to cater to your employees' medical needs.

Health Insurance is designed to provide coverage for your employees when they encounter acute health conditions or require immediate medical attention. In such situations, having access to prompt medical services can make a significant difference. These plans typically cover hospitalisation, surgeries, diagnostic tests, and specialist consultations, ensuring that your employees receive the care they need without undue financial burden.

Plans often include wellness programs, routine health check-ups, and other preventive measures. By encouraging your employees to prioritise their well-being, you foster a healthier and more productive workforce.

Core Cover Treatments and Additional Options

When considering small business health insurance, it's essential to be familiar with the core treatments and additional options that insurers offer. By understanding these components, you can tailor a plan that aligns with your employees' needs and your company's budget.

Core Cover Treatments

• Hospitalisation: Coverage for in-patient care, including room charges, nursing fees, and surgical expenses.
• Surgeries: Financial protection for surgical procedures, both major and minor.
• Diagnostic Tests: Coverage for various medical tests and examinations to aid in diagnosis.
• Specialist Consultations: Access to consultations with medical specialists for expert advice.
• Outpatient Treatments: Coverage for medical treatments that don't require hospital admission.
• Virtual GP Services: Many insurers offer virtual GP consultations, allowing employees to access medical advice remotely through video or phone calls.
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Additional Options

• Gym Discounts: Some plans provide incentives for employees to maintain an active lifestyle by offering gym discounts or wellness benefits.
• Health Cash Plan: An alternative to traditional insurance, this plan offers cashback for medical expenses, such as dental check-ups or prescription costs.
• Employee Assistance Programme (EAP): EAPs offer support for employees facing personal or work-related challenges, providing counselling services and resources.
• Critical Illness Cover: Offers a lump sum payment to employees in case of a severe medical condition diagnosis.
• Dental/Optical Coverage: Additional coverage for dental and optical treatments, ensuring overall health and well-being.
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Comparing Insurers

As an expert in the field, we understand the significance of choosing the right insurer for small businesses. To assist you in making an informed decision, we present a brief overview of five renowned insurers, each with its unique set of advantages:

1. Bupa

Bupa is a well-established global insurer known for its comprehensive coverage options. Their plans often include access to an extensive network of healthcare providers, ensuring employees have a wide range of choices when seeking medical care.

2. AXA Health

AXA Health prides itself on its customer-centric approach and efficient claims processing. They offer various tailored plans, making it easy for businesses to find an option that best suits their specific requirements.

3. Aviva

Aviva stands out with its focus on employee well-being, providing resources and programs to support healthy lifestyles. Their emphasis on preventive care aligns well with businesses looking to prioritise long-term employee health.

4. Vitality

Vitality has gained popularity for its innovative approach, incorporating incentives and rewards to promote healthy habits. By offering perks for maintaining an active lifestyle, Vitality encourages employees to take charge of their well-being.

Navigating the Health Insurance Market

Navigating the complexities of the health insurance market can be challenging.

Thankfully, seeking advice from an independent broker can simplify the process. Protect365 is a reputable independent broker that specialises in assisting start-ups and SMEs in setting up employee benefits. Their personalised and unbiased assistance ensures you find the perfect health insurance plan tailored to your company's needs.

We don't charge for our services and we can give you FREE advice and answer any questions you may have.