Example 1 (Portfolio)

You have recognised that there is great benefit in providing a healthcare cash plan scheme, as a high value, low cost employee benefit which will be paid for in full by the company. You decide to pay for all employees for a ONE ADULT, LEVEL TWO policy at just £3.45 per week.

This means that employees have two options - either stay with a LEVEL TWO policy and pay nothing at all or upgrade the scheme to a TWO ADULTS level depending on their personal circumstances. If they choose the latter, it means that you will pay the £3.45 and your employee will just pay the difference of £2.31 per week.

Upgraded policies could be simply set up for a payroll deduction.

HealthSure would design a communications package around your requirements including on-site promotions. The administration of this scheme would be taken care of by HealthSure. We would set up the scheme, provide regular reports relating to the scheme and deal with any queries and claims direct.

Example 2 (Portfolio)

You have decided to pay a maximum of £10.00 per month on behalf of each employee, so they can enjoy the benefits of HealthSure's healthcare cash plan.

This means that employees have a number of options. They can receive the cash plan benefits free by choosing a ONE ADULT, LEVEL ONE policy or below. Or they can include their whole family by choosing the TWO ADULT, LEVEL ONE policy, paying an extra £6 per month.

Example 3 (Portfolio)

It has been decided that your company will pay for the highest level policy for all senior employees (TWO ADULT, LEVEL FOUR) and a ONE ADULT, LEVEL ONE policy for all others.

This means that all staff will be able to claim for everyday healthcare costs benefits, with more senior staff receiving better benefits and a higher value package. Staff receiving a lower level of cover will have the option to upgrade. This means that you will continue to pay £2.30 towards their cover and your employees can pay the extra, depending on the level of policy they choose, via a payroll deduction.

HealthSure would design a communications package around your requirements including on-site promotions where your staff can then decide whether or not they want to participate in the scheme.

Of course, if some employees decide not to join the scheme, then the cost to the business would be less.

Example 4 (Futures)

You have decided to pay for 50 staff on the Level 1 (£7) policy and 5 staff at the Level 2 (£22) policy. As a first step you select a local supplier of health screens (e.g. Nuffield Hospitals - we have a partnership with Nuffield Hospitals enabling our Futures customers to benefit from discounted rates) and set up an account. Each of these employees can then visit this provider every two years for a health screen. Those covered on the Level 1 policy will be covered for a health screen up to £150 which equates to a general well man/well woman check. Those on a Level 2 are covered up to a £450 health screen (comprehensive). Once the health screen has taken place the provider would invoice the company and HealthSure would pay the claim up to the limit directly to your company upon submission of the invoice and claim.

For all other treatment areas (GP consultations, Specialist consultations, X-rays/Scans and Eyesight tests), the employees would go direct to the practitioner, pay for treatment and HealthSure would pay the claim, up to the limit upon submission of receipt and claim form, direct to the employee.