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With Private Medical Insurance in demand, a company Private Healthcare scheme is a great benefit to offer your employees. By offering your workforce Private Medical Insurance, you are increasing morale, staff feel more valued, are healthier and less likely to be out of the office unwell or waiting for NHS treatment, resulting in less absenteeism.
Private Medical Insurance (PMI) is provided as a benefit in kind and is a cost-effective way of taking out private healthcare as the rates tend to be more competitive than personal cover due to the risk being spread over more members. Depending on the employer, some companies also offer the option for employees to add their family members on to the scheme, generally at their own expense.
Policies vary and companies can offer a more basic level of cover up to a broad, comprehensive, level of cover. Many of the insurers offer a modular plan, meaning we can tailor a policy to best meet your needs.
Different underwriting options are available, this will depend on the size of the scheme. Victoria Healthcare will talk you through your options. As independent boutique brokers, we will compare the market. We are not tied to one Provider which means we can work with all the market leading providers on your behalf to secure the best premium and most suitable level of cover for you.
At time of each renewal, we will contact you in advance to conduct an updated market review and negotiation exercise with your existing provider, to ensure that you continue to receive the most cost effective premium available to you.
Our complimentary claims service extends from personal cover to company cover also, meaning that we will also support your employees at their time of need. Rather than contacting the provider directly, if desired, they can contact us either by phone or our “make a claim” link on the website and we can arrange authorisation with their insurer on their behalf.