Expert Guidance: Covering Common Everyday Health Issues

Considering the more serious conditions is vital when considering health insurance for your company.

But it is also very important (and sometimes more useful) to ensure that the smaller, more everyday healthcare issues are covered too.?

These issues can include things such as musculoskeletal problems (e.g. back pain), physiotherapy, dental treatment and optical claims. These and other smaller medical issues are things where you might normally pay the treatment provider directly in cash.?

These tend to be called cash plan benefits and can be either included in a main plan or alongside, as a separate cash plan bolt-on to the main comprehensive healthcare product.?

Having a cash plan alongside the primary health insurance policy has multiple benefits. It can also allow you to minimise the use of the private medical insurance plan for the smaller everyday issues. This prevents these claims from causing big premium increases at the annual renewal. This helps to keep your premiums as cost-effective as possible.?

When you have multiple policies (e.g. medical insurance and a cash plan), it can be difficult for you to know all the ins and outs. This is another reason why having a good relationship with a trusted adviser is so important. You need to be able to trust the advice is on point. You also need to be able to trust that the product can deliver the benefits and provide an appropriate solution to solve the problem in a quick timeframe.?

All these points are why we place such emphasis on a solid fact-finding process. The fact find is designed to allow us to “know” you as a client, to understand your needs and problems and to extract any other information that can impact our advice to you.?

This means that the solution we put together for you suits your needs appropriately so that when a medical issue does arise and your workforce needs treatment care or advice, the policy will prove its worth and benefit you, your employees and your company accordingly.?