Business Health Flex

Cost-effective cover options – Buy a single cover option, or combine several options

If your clients already provide healthcare cover for specific teams, they might want to offer some options to their whole business. Here's an easy solution.

With our modular health insurance, you can help your clients tailor their plans and align their premiums with their budgets and only pay for what they need (dependent on group size)¹.

You'll find below some examples of the options that could be of interest to your clients who already have a Business Health plan and want to extend some benefits to the rest of their workforce. If they're interested in medical history disregarded underwriting, then our Diagnostics Only option would be needed. This can then be combined with other options, such as Therapies or Mental Health.

^{¹Businesses covering only one or two employees will need to include our Treatment and Diagnostics Only option on their plan}

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Cost-effective cover options and example combinations

Combined single cover option and several cover options table

^{* For new customers, the Employee Assistance Programme (EAP) option cannot be purchased as a standalone option.}
Explore the full list of options available in our Business Health brochure

What’s covered in each option

All Business Health plans include:

Access to our online GP service
Our 24/7 health support line. Nurses and counsellors available 24/7. Midwives and pharmacists available 8am to 8pm Monday to Friday, 8am to 4pm Saturday, 8am to 12pm Sunday. Subject to availability.
Phone and video appointments for muscle, bone and joint support (over 18s only)
Access to special member offers, including gym discounts. Offers are subject to change and do not form part of insured benefits.

What we cover
- Outpatient specialist consultations: up to two of these a year.
- CT, MRI and PET scans, under a specialist referral: paid in full if your client’s employees’ scans take place at a scanning centre (or hospital listed as a scanning centre) in our directory.
- Diagnostic tests when the specialist refers them: no yearly limit.
- Outpatient diagnostic surgical procedures: there’s no yearly limit on these – whatever it takes to find out what’s wrong.
Having the Diagnostics Only option provides your clients’ employees with speedy access to:
- Menopause guidance and support
- Cancer diagnosis for breast, skin and prostate cancer
- Digestive health service
- Dermatology service
Medical history disregarded underwriting is available with this cover option.
What we cover
- Fees for outpatient treatment by a therapist (physiotherapist, osteopath or chiropractor) or acupuncturist.
- No yearly limit: Up to an overall maximum of 10 sessions a year on GP referral or when our online muscles, bones or joints service (available to members aged 18 and over) refers for physiotherapy or osteopathy.
- Further sessions (as long as we agree them first) on specialist referral.

Mental Health option

What we cover

Counselling sessions through our mental health assessments and support service. This could be face-to-face, online or telephone counselling.

The type and amount of counselling will be advised as clinically appropriate by our mental health assessments and support service.

This service is available to members aged 18 and over, and only counselling arranged by us is covered by this benefit.

Inpatient and day patient

Private hospital and day-patient unit fees for psychiatric treatment, including accommodation, diagnostic tests and drugs.	Paid in full at a hospital or day-patient unit in our Directory of Hospitals.
Specialist fees for psychiatric treatment.	No yearly limit.

Outpatient

Specialist consultations for psychiatric treatment.	No yearly limit.
Psychiatric treatment by psychologists and cognitive behavioural therapists.	No yearly limit.

What we cover
- Fees for visits to a private GP for consultations, up to £500 a year.
What we cover
- 80% of dentist fees, up to £400 a year
- 80% of the cost of prescribed glasses and contact lenses, up to £200 a year
- Up to £25 a year for an eye test
Online access to:
- Mental health support
- An extensive library of expert-curated articles, videos, learning modules and online workouts.
- Health Score assessment.
- Dedicated support and guidance for managers
Plus
- Up to eight sessions of structured face-to-face or online counselling with an experienced counsellor or mental health practitioner
As with most healthcare cover, there are some elements your clients' plans won't cover. These vary depending on the options you choose, but here are the most significant:
- Treatment of medical conditions your clients' employees had, or had symptoms of, before they joined, unless the client has chosen a ‘continuing medical exclusions’ or ‘medical history disregarded’ policy.
- Routine pregnancy and childbirth.
- Treatment of long-term, on-going or recurrent conditions (chronic) like diabetes or asthma.
- Cosmetic treatment.
- Any private treatment that falls outside of the options shown – please see the brochure for the full cover options available.

It’s not a one-size-fits all, your client can choose the combination that best suits the needs of their people, their budget and their goals.

We've created a flyer for you to send to your clients explaining the options available.

Download flyer