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Health insurance offers prevention AND cure. Here’s how…

health insurance offers prevention and cure

When you think about health insurance, what comes to mind? For many employees, it’s a safety net for emergencies or serious illnesses. But there’s much more to it than that.

Health insurance isn’t only there for when things go wrong, it’s also about keeping your team healthy in the first place. While prevention is better than cure, offering both can be a powerful tool to protect your employees.

Seeking affordable health insurance for your business? Whether you’re exploring your options for the first time or reconsidering your company policy, our friendly team can help. Simply contact [email protected] or call 01273 222805 for FREE advice and quotes.

Health insurance as a preventative tool

You’ll find that most Business Health Insurance plans these days include some form of preventative care. But available services will vary depending on the policy.

Let’s take a closer look:

Wellness apps:

Did you know that many insurers now include wellness tools you can access through apps? For example, you can get guided meditations from Headspace through Vitality insurance or discounts on fitness trackers to get everyone moving.

While feeling good is a priority, it’s also about building habits that help your employees stay healthier in the long run. And who doesn’t love a little motivation to hit their next goal?

Meanwhile, Bupa offers a mental wellbeing platform called JAAQ (Just Ask a Question) that gives employees access to expert wellbeing guidance on a range of topics, plus webinars and drop-in sessions.

Health assessments:

Why wait until something feels wrong? Some Company Health Insurance plans offer detailed health checks that are more extensive than what you would find on the NHS.

For example, Aviva’s DigiCare+ Workplace Health Check is comprehensive screening through a finger-prick blood sample that can be done from the comfort of your home.

The blood can be tested for 20 different health markers, including cholesterol, diabetes risks, liver health, and more.

These tests can detect issues early, resulting in peace of mind for everyone. After the results are released, employees can have a follow-up appointment with a GP to discuss any treatments or recommended actions.

Diagnostics and scans:

We can all agree that waiting weeks for a scan can be stressful! However, private health insurance often provides faster access to diagnostic scans like MRIs or even blood tests. A great example is AXA Health who ensure quick access to tests for potential cancers like skin or breast cancer.

You don’t even need a GP referral – you can just call them! And if there’s a diagnosis, they’ll connect you to a case manager who will support you and your family through the process.

Faster GP access:

In a health insurance plan, same-day or next-day virtual or in-person appointments are often included. Another example is Vitality Insurance getting you in touch with a virtual GP within 48 hours! This means your employees can be back at work faster than expected.

Hooray reviews insurer offerings from across the market to ensure you find the best policy for your business. Put your questions to our award-winning advisors, and they’ll be very happy to help. Contact [email protected] or call 01273 222805 for FREE advice and pricing.

Health insurance as a cure

When an employee gets sick, quick access to private healthcare can make all the difference. Here are the kind of services you can expect to see in a health insurance plan for SMEs:

Specialist consultations:

Employees can skip NHS waiting lists and go directly to the experts. This ensures they can be diagnosed and treated faster.

In-patient and out-patient care:

Whether it’s a minor surgical procedure or even, in many cases, chemotherapy, health insurance ensures employees receive care in top-tier facilities with shorter waiting times.

Mental health support:

Mental health has become a hot topic in recent years, and rightly so. Many policies now include counselling and therapy sessions, which can be a lifeline for anyone struggling with depression, stress, or anxiety. You can spend less time worrying about your employees knowing they have access to this kind of support.

Musculoskeletal support and treatments:

Some insurers will also provide coverage for physiotherapy, osteopathy or chiropody. So if you have newly arisen problems with your back, limbs, neck or other area of your body – whether skeletal or muscle-based – you can get rapid assistance.

But you really need to check the terms of your coverage as many policies do not include musculoskeletal treatment.

What can an SME expect?

Business Health Insurance coverage varies greatly depending on the selected insurer and plan. Naturally, the more cover you seek out, the higher the premium. But even the lowest cost plan will offer preventative care alongside standard treatments you’d expect from a health insurance policy.

We adapt our advice and recommendations based on what your business can afford, and the level of support your employees require or expect. We can even benchmark this against what similar companies currently offer.

So, if you’re looking for one-to-one advice from an expert SME health insurance broker, then don’t hesitate to get in touch. We’ll speed up the process of getting pricing based on your company needs and staff profile.

Contact [email protected] or call 01273 222805 to arrange a no-commitments call and health insurance quote with our award-winning team.

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Award-winners with a commitment to exceptional service

Hooray Health & Protection is an award-winning employee benefits broker that helps start-ups and SMEs better look after their people. Our service is provided FREE of charge, our advice is given in your best interests, and we’re always happy to help, however complex or simple the query.

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Talk to our team today and we’ll advise you on the best benefits package.

Accolades and awards

Hooray collected multiple awards from the industry’s leading minds at the Health & Protection Awards 2024.

_HPA24 Advice Firm of the Year [YELLOW]
_HPA24 Best Small Health Insurance Advice Firm [YELLOW]
_HPA24 Best Sales & Retention Advice Team [YELLOW]
_HPA24 Best Small Protection Advice Firm [YELLOW]
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