Group Medical Insurance

Group Medical Insurance is one of the most valued employee benefits available

It helps employees bypass long NHS waiting lists, and can help improve your company sickness and injury absenteeism.

Healthcare is maybe the most complex of employee benefits because of the range of products available. Bigmore Benefits will help you cut through the confusion, and select the right scheme for you.

Group Health Insurance

Why Private Medical Insurance?

It’s not just NHS wait times that make PMI a valuable benefit. 

Group Medical Insurance typically allows employees to receive treatment on acute conditions. Acute conditions are deemed to be curable with treatment. Most providers also now include health and reward benefits that can save employees money and encourage them to live healthier lifestyles.

Group schemes are also often less expensive than if private medical insurance is purchased individually.

If you are concerned about the cost of Group Medical Insurance, it should be noted that this cost will potentially be offset by a workforce who are better able to keep themselves healthy and able to work. It is also seen as a valuable offering for recruitment and retention. This can help save on the cost associated with staff turnover.  

Bigmore Benefits can help you set up Group Medical Insurance or assess if your current scheme is the best option for your business.

What We Consider

While the concept of Group Medical Insurance may seem fairly simple, all providers offer a wide range of services and products. You then need to match those offerings with what is best for the type of roles within your business. To help relieve some of the confusion this causes, Bigmore Benefits conducts a comprehensive review of what your company needs and provides cost effective options to meet them. Some of the things we will look at when making recommendations are:

With the Product
  • Underwriting and required excess levels
  • The level of benefits that are going to be most suitable. For example, what level of outpatient treatment do you require? Do you require psychiatric care? Does the provider have a GP consultancy line?
  • What is the most suitable hospital list for your company?
  • How do provider products compare with each other?
With the Client
  • Your budget
  • Demographic and needs of your employees
  • Current levels of sickness
  • Levels of cover required
  • Common schemes across your industry
  • Timing for the implementation. For example, do you want to align your Group Healthcare policy with your company financial year?

Our Process

Consult

We will have an initial meeting to discuss your requirements

Quote the Market

We find the most suitable product(s) within your budget

Report and Recommendations

When we report our findings, including a full recommendation outlining our rationale.

Full Implementation

We implement the scheme and provide comprehensive communications to your employees so they fully value the benefit.

Ongoing Support

We provide ongoing support to you and your employees.

Contact Us

Book a discovery call with Bigmore Benefits for your free no obligation quote.
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