What is Business Health Insurance and what can it offer?

Monday, September 16, 2019

Company health plans, corporate health insurance or business health insurance – there’s multiple names for it but essentially it’s medical cover which supports the health of your employees. Every business has different needs and our policies are designed to give your employees reassurance, diagnosis and access to eligible treatment.

With two products to choose from here at Health-on-Line, we’re taking a quick look at what each can offer you and your business.

Business Priority Health

This option offers flexible private medical insurance designed around the business needs of your company and the personal needs of your employees. By using a selection of hand-picked hospitals, we’re able to keep standards high while suiting a variety of budgets.

Core cover

Our core cover for Business Priority Health offers inpatient or day-patient and outpatient which includes:

  • Private hospital and day-patient unit fees, as long as you use a location specified in Our Hospital List
  • No yearly limit on specialist fees as long as you use a Priority Health specialist
  • CT, MRI or PET scans if referred by a specialist
  • Accommodation for one parent paid in full while a child (under 16) who is covered by the policy is in hospital
  • Outpatient – No yearly limit for specialist referred surgery.

In addition to your Core Cover, you can also select from various options to tailor the policy to suit you and your employees. This means you only pay for the cover they need.

Have a look at the various modules that you can add to your cover.

Benefits of Business Priority Health

With our Business Priority Health product we have various benefits that you and your employees would be entitled to.

The main benefits are:

  • 24/7 nurses helpline – this enables your employees direct telephone access to our healthcare experts.
  • Concierge appointment service – we can save your members time and trouble by quickly finding up to three Business Priority Health specialists. We can also arrange and book the appointments at suitable times and locations, as long as you have the Outpatients module added to your cover.
  • 50% off PureGym - when you take out a health insurance policy with us you’ll be entitled to 50% off a membership at PureGym. They’re open 365 days a year, 24/7, to help you access fitness at a time that suits you best.

Business Health Select

This option is offered through AXA PPP healthcare and is designed to give you and your employees the support they need in finding treatment. This plan offers similar cover to Business Priority Health, but with a wider selection of hospitals available across the UK – over 250 UK hospitals and more than 24,000 specialists.

This business plan can therefore make finding the right hospital more convenient for your business and employees.

Core cover

Our core cover for the Business Health Select product includes inpatient or day-patient and outpatient with the following included:

Inpatient or day-patient

  • Private hospital and day-patient unit fees as long as you use a location specified in our Directory of Hospitals.
  • No yearly limit on specialist fees as long as you use a Priority Health specialist.
  • CT, MRI or PET scans if referred by a specialist.
  • Accommodation for one parent paid in full while a child (under 16) who is covered by the policy is in hospital.

Outpatient

  • No yearly limit for specialist referred surgery.
  • CT, MRI and PET scans paid in full at a scanning centre or hospital listed in the Directory of Hospitals.
  • Cash payment of £50 if you have a CT, MRI or PET scan not listed in the Directory of Hospitals.

With modules such as mental health and private GP, have a look to see what else you can add to your policy. By adding our Therapies option, with Business Health Select there’s no yearly limit for physiotherapy, acupuncture, osteopathy, homeopathy, and chiropractic treatment; Business Priority Health there is a £500 limit.

Benefits for both products

For both Business Priority Health and Business Health Select we offer the following benefits as standard:

Doctor Care Anywhere

With our Doctor@Hand service, you can see a doctor online from your device, 24 hours a day without the wait. 20 minute virtual appointments and the ability to have prescribed medication are included but have a look to see what else this benefit offers.

Health at Hand

Our 24/7 dedicated helpline, open 365 days a year, giving you direct telephone access to our healthcare experts for you and your family.

Cash payments

Receive £50 a day, up to £2,000 a year, if you choose to have day-patient or out-patient chemotherapy or radiotherapy to treat cancer on the NHS. We will only pay this if the treatment would have been covered by the plan.

Fast Track Appointments

This service means we can save your members time and trouble by quickly finding up to three of our fee-approved specialist. We can also arrange and book the appointments at suitable times and locations, as long as you have the Outpatients module added to your cover.

Working Body

If an employee experiences muscle, bone or joint pain, they can call Working Body to gain advice and/or exercises to try without needing to see a GP first. However, in order to be referred directly to a physiotherapist the Therapies module needs to be added to your policy.

Have a look through our Business Health Insurance pages if you want to find out more or get an instant quote with our online form.

Customer Reviews

  • “Excellent customer service. The Heath plan was catered to my needs and requirements. I'm very impressed with the low price. Had I known how affordable health insurance was before I'd have taken it out years ago.”

    Trusted Customer