Our Business Health Insurance plan explained

If an employee develops a new medical condition after the policy starts – they are covered for eligible treatment.

On the other hand, if they’ve had a medical condition in the last five years, they’ll only be covered for it after:

• they’ve been covered with us on the scheme for two consecutive years as a member and
• they have had a consecutive one year completely free of any form of treatment or advice for that condition since they joined.

In the situation where an employee has a long-term illness (known as a chronic condition) for which they receive on-going, long-term treatment, as with all our private medical insurance plans then this will not be covered.

Although we’ve kept the cost down, our new Business Health Insurance plan offers essential medical benefits.

These include:

• Cover for up to two out-patient specialist consultations.
• Diagnostic tests on specialist referral to investigate the problem (including X-rays, CT, PET and MRI scans).
• Eligible treatment needed (in-patient and day-patient treatment, and out-patient surgical procedures).

View all the benefits of our Business Health Insurance plan.

Small Business Health Insurance comes with a £100 excess to help reduce your monthly premiums.

An excess is the contribution you (or your employee) have to pay towards the cost of treatment received, but it is only payable once each policy year for each person covered on your policy.

To give an example, if your GP refers you to a consultant who recommends that you have an MRI scan, and then as a result an out-patient surgical procedure to remove a cyst, the charges for this could add up to over fifteen hundred pounds. As your excess is £100, then you would pay that much towards this, and we’ll pay all the rest.  And you wouldn’t have to pay an excess for any further treatment you receive during that policy year.

An excess is payable each policy year though, so if treatment for your condition continues beyond your policy’s renewal date, you will pay another excess towards those costs that are incurred on or after your renewal date.

An excess is payable once per policy year regardless of whether the costs relate to treatment for an ongoing medical condition or a new one.

If you choose to apply the 6 Week Option to your policy this will reduce the cost of your premium.
 
It works like this :  Let’s say you require in-patient or day-patient treatment or an out-patient surgical procedure and it’s covered under your plan.

If the NHS can provide this treatment within six weeks after the date on which it should take place, then you’ll receive your treatment under the NHS.

If they can’t provide your treatment within 6 weeks, then you’ll be able to go private straight away.
 
For example -  you’re told on the 1st May, that you need an operation, but it isn’t urgent and doesn’t need to take place until the 1st July. If the NHS can’t do it until the end of August, then you’d be able to go private straight away. If the NHS could treat you at the end of July, then you would use the NHS.
 
Don’t forget though, you won’t have to wait six weeks to see the specialist to find out what’s wrong -  you’ll only wait for the treatment.