Top Up Benefit Table

Top Up Cover - Employee Funded

As part of the Work Assured Medical Plan, every Employee has the ability to purchase "Top Up" Benefits, for themselves, partners and children. There are 3 Top Up Options available, providing wide flexibility and Choice (at highly competitive prices):

1. A Medical Cash Plan with benefits including optical costs, dental costs, specialist consultations and a bi-annual physical health screen
2. A highly cost effective Hospital treatment plan which covers medical expenses that are not eligible for cover under the Back to Work plan
3. An option to remove the back to work formula completely making the plan a fully comprehensive private medical insurance plan.

All top up modules can be funded by the employer or the employee out of the significant cost and tax savings derived from Work Assured. All payments are made directly to Health Assured by the employer so any employee contribution is made via a payroll deduction. Options 2 & 3 have some restrictions based on pre-existing conditions; ask one of our consultants for details.

Please note that the Employee is not paying for duplication in cover, merely a Top Up, which is reflected within the premiums charged. Also if you currently provide PMI, the employees will be paying P11D on the entire company funded premium. This will generate a significant contribution towards the cost of the cover.

Top Up Option 1 - Medical Cash Plan

Premium

Unique Features of This Plan

• Dependent Children can claim up to half the annual limit for all benefits, except Health Screening and Gym Membership
• Alternative Therapies include: Acupuncture, Allergy Testing, Homeopathy, Chinese Medicine, Reflexology, Bowen & Alexander Technique, Indian Head Massage and Reiki
• Half the annual limit for Dental cover can be claimed as reimbursement against Dental Capitation schemes such as Denplan

Top Up Option 2 - Hospital Treatment Plan

The Hospital Treatment Plan covers operations and medical procedures that require local, regional or general anaesthetic. The policy also covers endoscopic procedures such as, Colonoscopies and Gastroscopies as well as invasive procedures such as Coronary Angiograms, Chemotherapy and Radiotherapy click here to review the list of procedures.

Each procedure is listed in one of nine bands where a monetary value is allocated to each band whether the member chooses to be treated privately all under the NHS. Generous cash grants payable at each level where treatment is delivered under the NHS. Most procedures are carried out as fixed-price packages, and arranged by Health Assured claims administration. Where treatment is carried out privately any residual surplus is paid to the member following completion of the procedure. Members are little benefit for up to a maximum of three procedures in each 12 month period with a maximum lifetime benefit of £250,000.

Cover is also available to include outpatient cover for consultations and scans. After a £100 annual access, policy holders can claim up to £300 per year for consultations, £700 per year for CT and MRI scans and £1500 per year for PET Scans.

Hospital Treatment Plan Premiums (Monthly)

The above rates can be loaded by Just 15% for cover based on Continued Personal Medical Exclusions. You will be required to answer a health declaration (4 questions) in order to apply for cover on a CPME basis

Top Up Option 3 Traditional PMI

A Top Up Option to Traditional PMI benefits is available, with the removal of the Absence / Light Duties related restrictions. Eligibility is subject to Full Medical Underwriting, unless the premium is company funded and you have been Fully Medically Underwritten within the last 3 years

Traditional PMI - Premiums

For Further Information Please Call Us Now On 01823 413003 or click here