Jennie Doyle, head of marketing at Health Shield, offers an insight into the less well known benefits of a health cash plan
Everyday healthcare cover for dental, optical and physiotherapy costs have been at the heart of health cash plans for a very long time. However, increasing busy lifestyles and the introduction of modern technologies mean that employees’ healthcare demands are continually changing. Cash plans are evolving to address new healthcare needs.
As well as providing cashback on everything from dental check-ups to contact lenses, providers are going the extra mile to offer additional benefits and new channels to deliver services that can help to reduce absenteeism, prevent illness and save time and money.
Here’s a quick guide to some of the health cash plan benefits offered by Health Shield that can help employees to proactively manage their health and wellbeing.
Health cash plan benefits
1 PHYSIO TRIAGE – Musculoskeletal problems are a big cause of workplace absenteeism. Triage services enable employees to talk to professionals over the phone to get an initial assessment and treatment advice before being referred to a physiotherapist.
2 CANCER SCREENING – Unfortunately around half of the people in Britain will get cancer at some point in their lifetime. It’s a serious issue for individuals and companies*. Cancer screening services can help detect the early signs of breast, bowel, lung, prostate and skin cancer, so employees can seek treatment.
3 24/7 COUNSELLING & SUPPORT HELPLINES – Employees worrying about debt, housing and family matters can benefit from telephone counselling, therapy sessions and practical support from trained professionals.
4 24/7 VIRTUAL GP SURGERY – Employees may have to wait two weeks or more and take time off work to get an appointment with a GP. This benefit provides peace of mind, as employees can talk to a qualified doctor on the phone any time of the day or night. They can even provide webcam consultations between 8.30am and 6.30pm, Monday to Friday.
5 PRIVATE PRESCRIPTION SERVICES – GPs who talk to employees as part of the 24/7 Virtual GP Surgery can send a private prescription electronically to a pharmacy, authorised with a digital signature. The pharmacist will then arrange for payment and the medicine can be delivered to the employee’s home or workplace.
6 EMPLOYEE ASSISTANCE PROGRAMMES – This benefit provides employees with a 24/7 counselling and support helpline and up to eight face-to-face counselling sessions.
7 HOME ASSISTANCE COVER – After a pre-arranged hospital stay of two or more nights, employees can receive up to 14 hours of paid personal care or domestic assistance ranging from bathing and cleaning to cooking and feeding or walking household pets.
8 FITNESS & EXERCISE – To help improve health and wellbeing and maintain fitness, employees can take advantage of special discounted rates at a variety of fitness clubs and gyms across the UK.
9 ONLINE HEALTH ASSESSMENTS – Combined with personal coaching services, online health portals can provide instant access to health assessments and information, videos and advice, including emotional support.
10 ONLINE REWARD PORTALS – Many employers are keen to promote a good work-life balance. A rewards portal can help employees to make the most of their leisure time with a wide range of exclusive deals, discounts and cashback offers.
These benefits can help organisations look after their most important resource – their workforce.
Whatever the size of your organisation, take a closer look at some of the surprising benefits a health cash plan can offer your business and employees.
*Source: Check4Cancer website www.check4cancer.com
Some benefits are available to specific plans only
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