Private Medical Insurance

Give your employees access to healthcare when the need it most

Offering your people Private Medical Insurance (PMI) sends an unequivocal signal that their health & wellbeing are your priority. It speaks volumes about your company’s culture. And as NHS waiting times hit a record high in the aftermath of the Covid-19 pandemic, growing numbers of businesses are now considering this important healthcare benefit.

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How does PMI insurance work?

  • You pay a monthly premium and the policy pays out, in line with the policy cover and up to specified benefit limits, for any private treatment your people need.
  • Your employees benefit because they avoid NHS waiting lists and are fast-tracked to expert diagnosis and treatment from experienced doctors and medical professionals – all in the comfortable surroundings of a private hospital.
  • Your business benefits because staff can get back to prime health and work as quickly as possible.
  • Your workforce in general benefits because healthy employees don’t have to cover for co-workers who would otherwise be off sick for longer.

Policy options

There are numerous policy options to choose from and almost as many ways to configure premiums. We can work with you to gain a thorough understanding of your objectives and help find the right solution for your business, your people and your budget.

The benefits of Private Healthcare

Loyal and talented employees are the backbone of many rural businesses, which is why prolonged absences can have such a negative impact. But smaller to medium sized businesses are likely to be impacted more acutely by long-term poor health than a large corporate. Big companies can usually reallocate workloads. SMEs are unlikely to have the resources.

So offering Private Medical Insurance, promoting healthy and rapid returns to work, is in everyone’s interest.

Benefits for your business

  • Hugely influential in attracting and retaining talent.
  • Minimal wait times reduce the risk of escalating employee ill health, mitigating costly long-term absences.
  • Protects productivity as health appointments can wrap around business hours.

Benefits for your employees

  • Regularly listed as the most valued benefit in employee surveys.
  • Swift appointments, a private room and hospital and consultant choice are the factors rated most highly by staff.
  • Viewed as an essential ‘executive’ benefit.

Budget considerations

We can help you to minimise premiums, for example by:

  • Conducting a review of the market on your behalf. We have strong relationships with healthcare insurers and are often able to negotiate more preferable rates than are normally available on the open market
  • encouraging take-up across your workforce age profile to help spread the risk.
  • exploring policies that reward healthy lifestyle choices (such as gym attendance) with lower premiums or additional staff benefits.

Find out more

To find out more or to discuss your options in more detail, the expert team at CLA Healthcare are on hand to help.

Call 01274 717361 or email healthcare@cla.org.uk to find out more.

Business solutions

Private Medical Insurance

Providing your employees quick access to healthcare when it’s needed most.

Wellbeing

Our wellbeing solutions mean you can look after your team properly - physically, emotionally and financially making for a happier and healthier team.

Group Income Protection

Providing your employees financial security if they can’t work for a long time due to illness or injury.

Group Life Assurance

Widely known as ‘Death in Service’ benefit. Thankfully, for the vast majority of your employees, the overwhelming benefit is simply peace of mind.

Health Cash Plans

Designed to reduce your employees’ out-of-pocket everyday health expenses.

Business Protection Insurance

Providing invaluable financial support when a key person in a business dies or becomes seriously ill.

Workplace Pensions

This is an integral part of today’s benefits packages, helping your employees to prepare for their financial future.

Business Dental Insurance

With Bupa, we now offer SMEs a dental plan that will not only match or improve upon benefits offered by any alternative provider but will do so at a more competitive premium.