The Health and Safety Executive estimate that over 2.7 million working days are lost each year due to illness and injury*.
On average construction industry employees take nearly six days sick each year**.
You employer can provide you with cover on the following Healthcare plan. The cost of which will be met by your employer. You may decide to upgrade your corporate paid cover or even to arrange cover for your partner too**. These additional premiums will be collected through your wages or salary.
Our new Healthcare plan provides cash benefits towards routine healthcare such as eyesight tests, and dental treatment and physiotherapy to keep you on the move.
As well as maintaining routine healthcare, the plan also helps if you're concerned about a medical problem providing you with cash towards diagnostic consultations and access to MRI, CT and PET scanning facilities.
Plan Features:
- No medical to join
- Cover for pre-existing medical conditions for you, the employee
- Worldwide cover available on most benefits
- Quick payment of claims
- Option to cover partners.
Full terms and conditions can be provided on request, including limitations and exclusions.
| 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 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, employees must call a scanning helpline to arrange an appointment. |
24 Hour Counselling and Advice Line (Employee Assitance Programme - EAP)
(Up to 6 face-to-face counselling sessions) |
24 hour free phone counselling and advice line is available to you and any immediate resident family. Face-to-face sessions are available for policyholder only. |
| In addition to the health cover above, your employer may also have provided one or all of the following three additional benefits: |
| Surgery Choices: Waiting for non-urgent operations and surgical procedures can be a long and stressful process. Surgery Choices give you cover for 60 different procedures for conditions such as gall stones, hernias, hip replacements and slipped discs. The benefit gives you the reassurance that if you are unable to obtain speedy access to treatment through the NHS, you can access private treatment quickly. |
| Fitness and Wellbeing: You have access to an innovative GP Telephone Consultation Service, special membership deals at a national network of health and fitness clubs and a comprehensive online A-Z Health Website. |
| For Kids: Provides your dependant children with access to diagnostic consultation and therapy treatments, as well as cash benefit towards the cost of their dental and optical expenses. Cover for your dependant children are provided at the same plan level as you, even if you have upgraded your corporate paid cover. |
Your employer may have an Employee Healthcare Plan with us, please check with them to see if you are covered.
*http://www.hse.gov.uk/statistic /lfs/0607/wdlind.htm
**http://www.cipd.co.uk/NR/rdonlyres/6D0CC654-1622-4445-8178-4AE071B63EF/0/absencemanagementsurveyreport2008.pdf
**Subject to terms and conditions of the plan