With every employee key to the success of a company, it’s essential to help keep them fit, well and productive. So, we’ve designed healthcare plans to help do just that.
Help reduce absenteeism and presenteeism
Health problems can have serious implications for business. As well as time off work waiting for appointments and treatment, health worries can affect productivity and performance.
By having access to prompt private diagnosis and treatment, at a time that is convenient for company members and the business, employees can be back to health, happiness, productivity and work quickly with minimal hassle.
But it’s not just direct employees that can benefit from our corporate private healthcare plans. At PHC we give you the flexibility to cover others that are affiliated to your company, so you can truly protect all that matter most.
Corporate HealthCover4life offers four plans providing a wide choice of cover to suit your company requirements and budget.
Offering flexibility is the cornerstone of our philosophy at PHC, so we have developed the capability for corporate clients to mix and match benefits within their group plan.
Mix and match benefit options include:
- Plan options
- Hospital options
- Excess options
- Underwriting options
To find out more please see our HealthCover4life brochure.
To request a quotation or if you would like further information please contact your healthcare intermediary. If you do not currently have a healthcare intermediary, please contact us on 01923 770 000.
Choose from a range of plans
HealthCover4life offers four distinct plans with rich levels of benefits.
Additionally, PHC Plus is available on Plans 1 and 2. This optional upgrade further enhances your cover by providing five extra benefits:
- Surgeon, specialist, anaesthetists’ fees paid in full
- Extended choice of hospitals
- Routine treatment and monitoring of certain specified chronic conditions
- Private GP fees and GP minor surgery
- Five Doctor@Hand consultations
Please note that to enjoy the benefits of the Plus module all members of your group plan must be included on the Plus module.
For full details of the cover offered by these plans, including what isn’t covered and any limitations, please refer to your handbook.
We’re not just there to help when things don’t go to plan however. We’re also on hand to help keep members fighting fit and living life well. So, we’ve built an array of Health and Wellbeing services that support our members in doing just that. Plus, you can take comfort in knowing that all four plans benefit from the following services as standard.
- Counselling and Support Service
- Health at Hand Service
- Working Body Service
- Dedicated Nurse Service
- ActivePlus
- Fast Track Appointments
Plan options
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Plan 1
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Provides comprehensive cover for the core in-patient and out-patient benefits. Additional benefits include cover for parent accommodation, private ambulance trips, home nursing, NHS cash benefits and full cover for physiotherapist, therapist, acupuncturist and homeopath treatment and newborn benefit.
Ways to tailor Plan 1:
Option a excludes all psychiatric cover and Plan 1 Plus and Plan 1a Plus provide additional benefits.
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Plan 2
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Provides comprehensive cover for the core in-patient and out-patient benefits. Additional benefits include cover for parent accommodation, private ambulance trips, home nursing, NHS cash benefits and a combined overall limit of up to £1,500 per plan year for psychiatric treatment, physiotherapist, therapist, acupuncturist and homeopath treatment.
Ways to tailor Plan 2:
Option a excludes all psychiatric cover and Plan 2 Plus and Plan 2a Plus provide additional benefits.
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Plan 3
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Provides full cover for core in-patient benefits, out-patient CT, MRI and PET scans and radiotherapy and chemotherapy.
Additional benefits include cover for parent accommodation, private ambulance trips, home nursing, NHS cash benefits and a combined overall limit of up to £1,000 per plan year for psychiatric treatment and out-patient therapies treatment.
Ways to tailor Plan 3:
Option a excludes psychiatric cover.
Option b is a six week wait plan (excluding psychiatric cover) which means that if the treatment required as an in-patient, day-patient or as a surgical out-patient is not available on the NHS within six weeks of the date it is needed, then prompt access to treatment is available under the plan. Please note that excesses are not available on Plan 3b.
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Plan 4
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Provides cover for eligible in-patient treatment and day-patient treatment. Out-patient treatment is limited to two specialist consultations per year and £500 for physiotherapist, therapist, acupunturist and homeopath treatement. Psychiatric and additional benefits are not covered under this plan.
Hospital options
Our Directory of Hospitals lists the hospitals, day-patient units and scanning centres and other private healthcare facilities which you will have access to under our company private medical insurance plans.
These have been selected following a comprehensive assessment of their quality, value and range of services.
National directory
Our national Directory of Hospital lists in the region of 480 hospital and day-patient units in the UK. These include specialist centres offering oral surgery and cataract surgery, scanning facilities and psychiatric and rehabilitation units.
London Upgrade
If you choose our national Directory of Hospitals, you’ll be able to extend hospital cover to include additional London hospitals and out-patient centres associated with them, by simply selecting the London Upgrade. The London Upgrade will incur an additional premium.
This optional upgrade can be selected for all members or individual members of your group plan. Just make sure that the upgrade is selected when you join us or at your renewal.
Specified Hospital List
There is also the option to select our Specified Hospital List. This carefully selected list provides medical treatment through two of the country’s largest networks of private hospitals – Spire Healthcare and Ramsay Health Care UK.
By working with just two hospital groups, we’re able to offer more competitive premiums.
Please note: If you select the Specified Hospital List, all members of your group plan will be required to have this option.
Please see the Directory of Hospitals or the Specified Hospital List for full details on the facilities and units covered by PHC.
Please note: The PHC Plus module is not available with the Specified Hospital List Option.
Excess options
A simple way to reduce the cost of your company plan premium is to introduce an excess.
We are able to offer complete flexibility enabling you to mix and match excess levels on your group plan. You may choose to have an excess for some company members and none for others.
We offer a range of excess options.
- £100
- £150
- £250
- £500
- £1,000
- £2,500
Please note: Excesses are not available on Plans 3b. Excess options on Plan 4 are £100, £250 and £500 only.
How does an excess work?
- An excess is the amount of money you must contribute towards the cost of any eligible treatment each plan year.
- The excess applies to each person covered by the plan in each plan year.
- The excess is deducted from any eligible treatment costs you incur.
- When a claim is made that involves an excess, we will pay the claim after we have deducted the excess amount.
- The excess is a single deduction that is made regardless of the number of individual medical conditions claimed for in that plan year.
- Should treatment continue beyond your plan’s renewal date then we will apply the excess:
- once against the costs incurred before this date, and;
- again against the costs incurred on or after the renewal date.
- We will do this irrespective of whether the costs relate to treatment for the same medical condition.
Underwriting options
When you take out a company plan with PHC we will need to ‘underwrite’ the members of your plan. Underwriting is how we assess the risk and determine what cover will be available for each individual member of your plan.
Your company plan will be accepted on one of the following underwriting basis:
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Moratorium (two year rolling)
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Full medical underwriting
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Medical history disregarded
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Continued personal medical exclusions switch