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Company Private Medical Insurance
Employees are at the heart of your business. A private medical insurance scheme will be beneficial to your business and employees, ensuring that they are well looked after with quick access to private medical treatment when needed. With company medical insurance included in your benefits scheme, your business will benefit from lower rates of absenteeism and increased productivity. Not only does it help you to retain current employees, but it can also help attract new employees to your company.
Excess Insurance cover is used to reduce the overall cost of a company’s Private Medical Insurance Cover. An excess is the amount of money an employee is required to pay towards claims made on their private medical insurance (PMI) policy if one is chosen by the employer. The excess amounts in PMI policies typically range from £50 to £1,000 per person per year. In return for agreeing to pay an excess, the insurer will reward the company by reducing the employees’ premiums.
Income Protection Insurance
Income Protection insurance is a crucial component of any successful employee benefits programme. Income Protection is designed to provide employees with the peace of mind that they will continue receiving an income in the unfortunate event that they are unable to work long-term due to illness or injury.
International Health Insurance
Businesses that require their employees to work overseas will benefit greatly from international medical insurance in the unfortunate event that employees become ill or are injured whilst abroad. International medical insurance caters to those who are working internationally. This type of insurance can help support medical requirements providing services such as 24/7 claims helplines and more.
Group Life Insurance
The purpose of Group Life Cover is to pay out a tax-free lump sum to the family or chosen beneficiary of an employee, in the unfortunate event of their passing during their time with the company. As well as being a tax-deductible business expense, Group Life Cover can be a great cost-effective benefit overall. The application process is usually straightforward, with most cases not requiring any medical underwriting.