Purpose of Plan:
- To supplement NHS services
- Improve speed of treatment. Particularly now due to longer NHS waiting times
- Extensive cover that normally doesn’t include pre-existing conditions but can do so if more than 15 employees are in the plan
- Excess from nil to £500 per person per annum
- Full or limited outpatient cover
- Different hospital lists. Big issue if client is based in London or other major cities
- Usually includes therapies/mental health/wellness programmes
- Cancer cover commitment is usually highlighted
- Routine dental and optical cover is usually extra cost.
- Virtual GP 24/7
- Employer pays 100% of premium which is taxed as a benefit in kind
- Voluntary (employee paid) PMI is not available except for large companies (1000 employees)
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