Fit for your business and your budget

Here are some other ways you can look after your employees while still keeping an eye on your bottom line.

• Pay up-front – save 5% by paying your subscription yearly instead of monthly.
• Fix your subscription for two years – know exactly how much you’ll be investing in each employee over the next two years (tax changes still apply).
• Choose an excess – reduce your annual subscription with an excess of for example £100, £250 or £500 per employee.
• Pay less for using specialists that we’ve sourced – our Fast Track Appointments team will recommend up to three specialists and book an appointment to suit your employee (this ‘guided’ option is not available with Extended Cover).

You can also decide how you’ll cover your employees for any conditions they might have before they join us.  The underwriting you go for will affect the cost of your plan in different ways, depending on the options you’ve chosen.

• Fully underwritten
  Your employees get the private healthcare cover that means so much to them, but pre-existing medical conditions aren’t covered.
• Two-year moratorium
  We’ll cover pre-existing medical conditions your employees have after two years of cover, as long as they have been completely free from advice, treatment or a special diet for twelve consecutive months after joining.  We’ll also take care of new health concerns that begin while they are with us too. The terms and conditions of the cover you choose will apply.
• Continuing medical exclusions
  If you’re coming from another provider, you can ‘lift and shift’ any underwriting you had with your previous health insurer across to your new plan. The terms and conditions for your new plan will apply.
• Medical history disregarded
  We cover your hard-working employees for pre-existing medical conditions, subject to your membership terms. Available if you’re looking to cover 15 employees or more.