Employee Healthcare from B&CE

Construction employees take an average of nearly six days sick each year. The average cost of absence is £671 per employee per year*.

The Health and Safety Executive estimate that over 2.7 million working days are lost each year due to illness and injury**.

Providing your employees with good healthcare benefits can reduce the cost of absence and needn't be expensive. Our employee healthcare provides cash benefits towards routine healthcare, access to diagnostic scanning and employee assistance programme. You can help to reduce the cost of absence whilst your employees receive good healthcare benefits, all from just £1 per employee per week. This cost may be offset against corporation tax.

Introducing a Healthcare plan could help you to:

1. Aid recruitment and retention
2. Improves staff morale, motivation and productivity
3. Complement your existing employee benefits
4. Encourage proactive employee healthcare
5. And is available to both operatives and office staff

There are 3 levels of cover for you to choose from, employees can opt to upgrade their cover or even add their partner.

Full terms and conditions can be provided on request including limitations and exclusions.

Level of cover	Level 1	Level 2	Level 3
Corporate Paid Weekly premiums	£1	£2	£3.75
Dental (100% reimbursement per benefit year)	Up to £45	Up to £90	Up to £180
Optical (100% reimbursement per benefit year)	Up to £45	Up to £90	Up to £180
Therapy treatments	Up to £120	Up to £250	Up to £500
(100% reimbursement per benefit year) Physiotherapy Acupuncture Osteopathy Chiropractic	The amount shown represents a combined total for all the treatments. This amount can be used for any one, or combination of therapy treatments.
Consultation (100% reimbursement per benefit year)	Up to £200	Up to £400	Up to £800
MRI, CT and PET Scanning Facilities	Included on all plan levels. Following referral from a Consultant, policyholders call a scanning helpline to arrange an appointment.
24 Hour Counselling and Advice Line (Employee Assistance Programme) (Up to 6 face-to-face counselling sessions)	24 hour free phone counselling and advice line is available to your employees and any immediate resident family. Face-to-face sessions are available for the policyholder only.
Addtional cover***
Surgery Choices: Provides quick access to 60 different non urgent surgical procedures for employees. Also provides employer benefit if an employee requires or chooses NHS treatment.	To include 'Surgery Choices' add an extra £1.24 per employee, per week to the premiums in level 1, 2 and 3.
Fitness and Wellbeing: Provides your employees with access to valuable lifestyle services, to keep them fit and healthy.	To include 'Fitness and Wellbeing' add 15p per employee, per week to the premiums in level 1, 2 and 3.
For Kids: Providing diagnostic consultations and therapy treatments for employees' children, as well as cash benefits towards the cost of their dental and optical expenses.	To include 'For Kids' add 15p per employee, per week to the premiums in Level 1, 2 and 3.

To protect your employees with this specialist healthcare plan or for further information please call
08457 414142 or 01293 586790 or email us at healthcare@bandce.co.uk

For more detailed information on this product please download the Employee Healthcare from B&CE brochure and the Surgery Choices Brochure. If you would like to povide this benefit to your employees complete and return the Application form (please read the Group Terms and Conditions before signing the application form).

*http://www.cipd.co.uk/NR/rdonlyres/6D0cc654-1622-4445-8178-4A5E071B63EF/0/absencesurveyreport 2008.pdf
**http://www.hse.gov.uk/statistic/lfs/0607/wdlind.htm
*** Surgery Choice, Fitness and Wellbeing and For Kids cover cannot be purchased independently and is only available on a corporate paid basis.
Surgery Choices cover is available for 10 employees or more and must be purchased for all employees or a specific group of employees not selected on the basis of risk.