If you have started looking at business health insurance, you have almost certainly encountered the word underwriting, followed by a list of options that nobody explains properly. Moratorium underwriting is the most common underwriting basis for group health insurance policies…
One of the first questions employers ask when considering business health insurance is a simple one: what does it actually cover? It is a reasonable question, and the industry does not always answer it clearly. So in this guide we…
The P11D is about to go extinct, but while it’s still here it’s worth knowing what it is and why it matters. Essentially, if you provide employee benefits like private health insurance, a company car, or other non-cash perks; then…
When businesses start looking at Group Health Insurance three names pop up more than any other: Bupa, AXA Health and Vitality. Without doubt these are the best-known providers in the UK market, and usually put smaller providers in the shade.…
Group Life Insurance, also known as Death In Service Insurance, is one of the most cost-effective employee benefits a UK business can offer. Pricing life insurance is a little simpler than most other health and protection policies, but that doesn't…
If you've started looking into Business Health Insurance for your team, you've probably struggled to find a ballpark figure. Nobody will give you even a rough price! That can be very frustrating. You're trying to plan a budget, not embark…
Your business spends real money on employee benefits. Health insurance, life cover, income protection, an EAP. These are valuable things that can make a genuine difference to your employees' lives. And yet many employees either do not know what benefits…
So, you've finally arranged Group Income Protection insurance. But do you know what happens when a claim needs to be made? For most employers, the claims process is alien territory. This guide walks you through every stage, from the first…
If you’ve arranged Group Life Insurance for your employees, or are thinking of offering it, there’s a very good chance you’ve come across the term “discretionary trust”. Now, it may sound complicated, but actually it’s relatively straightforward. Honest! This article…
If your business already has a health insurance policy in place, what happens when an employee needs to make a claim? Maybe your employee has received a referral from their GP, or perhaps they want to see a specialist without…