Engage Health Group

Tag: group health insurance

  • How employee benefits can tackle workplace productivity

    How employee benefits can tackle workplace productivity

    We hear a lot about the UK’s productivity problem, but rarely about the health-related reasons behind it.

    Mental health challenges and musculoskeletal (MSK) conditions are the two biggest causes of workplace absence according to the ONS. But they are also preventing employees from being fully engaged when they are present.

    A study by Simplyhealth revealed that improving support for just three things – mental health, MSK issues, and GP access – could fix up to 80% of the UK’s productivity crisis.

    The good news is that employers can make a difference by investing in the right employee benefits.

     

    What’s causing the drop in productivity?

    Let’s begin by focusing on mental health. AXA’s Mind Health Report 2025 found that 32% of adults globally are dealing with mental health issues. In the UK, mental health accounted for 27% of all sick leave in 2024, up from 23% the year before. This is also the number one reason for long-term absence for employees under 40.

    And it’s easy to see why. Financial stress, job insecurity, workload, and the pressure to stay constantly “on” have taken a toll. Lengthy NHS waiting times mean people often can’t get support until things get serious.

    Then there’s MSK health. Back pain, joint problems, and repetitive strain injuries don’t just cause physical discomfort; they’re also one of the leading causes of absence and the “presenteeism” phenomenon where people show up to work, but only do the bare minimum.

    Together, these two issues massively impact employee health and productivity across the UK.

     

    6 employee benefits that can help

    There’s not one single fix, but there are small changes employers can make to significantly improve workplace health in relations to mental wellbeing and musculoskeletal issues.

     

    1.    Group Health Insurance plans

    Many Company Health Insurance policies include:

    • Virtual GP services for same-day or next day appointments
    • Mental health support – providing access to counselling, psychology, and psychiatry services.
    • Cover for MSK treatment, like physiotherapy, osteopathy, and chiropractic care

    These features mean employees can get help early. Engage Health Group’s team of employee benefits consultants help businesses find appropriate health insurance policies according to the level of support they require.

     

    2.    Employee Assistance Programmes (EAPs)

    EAPs offer confidential support for things like stress, financial worries, or even relationship issues. They’re usually free to employees and available 24/7.

    The key is making sure people actually know about them. Too many companies have EAPs that are unused because employees are unaware they have the benefit. This can be fixed by regularly promoting EAPs through onboarding, internal comms, and manager check-ins. The more familiar employees are, the more likely they’ll use the support when they need it.

    EAPs are often included on a Group Health Insurance plan, but can also be bought as a standalone service. Again, Engage Health Group can help advise on UK and International EAPs and how to implement them for UK or global employees.

     

    3.    Group Health Cash Plans

    Group Health Cash Plans offer reimbursements for everyday healthcare costs, such as dentist visits, eye tests, and physiotherapy. They’re affordable, flexible, and especially useful for supporting MSK health before issues become serious.

    Health Cash Plans are especially good for businesses that want to offer support without the cost of full-time private medical insurance.

    Businesses can select the maximum claimable amount for each service. For example, Bupa’s Cash Plan gives staff the chance to get reimbursements of up to £100, £200 or £300 on physiotherapy, osteopathy, chiropractic and acupuncture treatments – depending on the cover level the employer has invested in.

    Engage Health Group works with all the Group Health Cash Plan providers to ensure businesses get the best coverage options. Contact enquiries@engagehealthgroup.co.uk or 01273 222805 and our team will provide accurate pricing based on the size of your business and any specific needs you may have.

     

    4.    Digital wellbeing tools

    Apps and online platforms are becoming a standard part of the wellbeing toolkit. Popular tools include:

    For example, AXA’s Mind Health Self-Check helps employees assess their mental wellbeing anonymously, then points them to relevant resources. Meanwhile, the likes of Unmind and Headspace provide standalone mental wellness apps backed by clinical research.

    Wellbeing apps are not a replacement for clinical care, but they do help employees take small, daily steps to stay well or identify issues early on.

     

    5.   Group Income Protection

    While Income Protection schemes are best known as ‘sick pay insurance’, in fact the policy does more than provide financial support to unwell employees, it also helps them in their recovery. All the main insurance providers offer some form of early intervention service designed to help employees get better faster and, therefore, speedup their return to work.

    Many Group Income Protection schemes also come with EAPs, mental health support guidance or some form of wellbeing app.

     

    6.    Access to physical therapies

    MSK problems account for more than 7.8 million lost workdays each year. Offering fast access to physiotherapy and osteopathy is one of the most effective ways to prevent MSK problems from becoming long-term issues. When employees can see a physio within days instead of weeks or months via the NHS, minor injuries can be treated early before they worsen.

    Physical therapy is also a preventative measure for MSK. Regular sessions can help improve posture, mobility, and strength, especially if your employees spend long hours at a desk.

    The ability to live free of pain and discomfort gives employees improved energy and concentration levels. This can reduce absenteeism and contribute to better productivity.

     

    7. Healthy workspaces

    Wherever staff are working, and in whatever industry, it’s important that good posture and healthy working habits are supported.

    For office-based work, chairs need to offer ample back support, while desks and monitors need to be set at the appropriate level – and lighting needs to be sufficient. It’s all about ergonomics! In a more physical job, good posture and appropriate manual handling techniques need to be taught and practised.

    Staff should also be encouraged to take their breaks, preferably away from the desk if they are office workers. This supports both their mental and physical health.

     

    Setting up your wellbeing strategy

    Offering these benefits is a good start, but having a wellbeing strategy in place will make a bigger difference in your employees’ lives.

    Over half (53%) of organisations now have a stand-alone wellbeing strategy, according to the CiPD. 

    A wellbeing strategy should include:

    • Finding out what employees need via anonymous surveys, usage data, best practice guidance
    • Choosing benefits that support those needs, preferably with the help of an employee benefits consultancy, like Engage Health Group
    • Training managers to identify early warning signs of staff struggling with stress, whether physical or mental
    • Communicating clearly and regularly about wellbeing and the support you provide
    • Setting goals – for example, you may want to reduce stress-related absence by 10%

    It’s also worth considering employee expectations. AXA’s Mind Health Report found that 52% of employees want their company to provide mental health support, but only 47% say their employer currently does.

     

    Tackling a global issue

    Helping people stay well isn’t just a moral obligation. The McKinsey Health Institute estimates that improving employee wellbeing could generate $3.7 trillion to $11.7 trillion globally, mainly by reducing absenteeism and improving productivity.

    McKinsey breaks down potential savings from improved wellbeing:

    • $2 trillion – $9 trillion from productivity improvements
    • $400 billion – $900 billion from reduced health costs
    • $200 billion – $400 billion in increased workforce participation

    Even on a smaller scale, reducing just a few percent of absence can have a big impact on how much your team can achieve.

     

    How Engage Health Group can help

    At Engage, we help businesses of all sizes design and implement employee benefit strategies that work. This is how we can help your business:

    • We help you select the right mix of benefits
    • We help align benefits with your business’s objectives and needs
    • We help your employees to understand the benefits and actually use what’s available
    • We provide administrative and consultancy support throughout the life of your policy

    We understand that one-size-fits-all doesn’t work, so our advice is tailored to your company. If you’re ready to rethink how your benefits support productivity, we’d love to help. Contact enquiries@engagehealthgroup.co.uk or 01273 222805 to get started.

  • Navigating healthcare & health insurance on the Isle of Man

    Navigating healthcare & health insurance on the Isle of Man

    If you have staff visiting or relocating to the Isle of Man, you’ll want to know how its healthcare system works – and whether health insurance is necessary.

    Our international consultants at Engage Health Group have expertise covering more than 70 countries worldwide, including the three ‘Crown Dependencies’ dotted around the UK: Jersey, Guernsey and Isle of Man.

    The Isle of Man may have the King and Queen’s head on its money, but like the other Crown Dependencies, it’s not part of the UK – it governs itself. Consequently, the Isle of Man has its own healthcare system separate from the NHS.

    In this guide, we walk you through what you should expect from the island’s healthcare system as a short or long-term visitor, and consider the health insurance options available to you.

    If you’re a company seeking to arrange health insurance for employees living on – or travelling to – the Isle of Man, you can contact our team for a free consultation. Our experts will happily talk you through your options and arrange quotes free of charge. Call  01273 974419 or enquiries@engagehealthgroup.co.uk.

     

    How the healthcare system works in the Isle of Man

    The Isle of Man has its own equivalent of the NHS called Manx Care. Like the NHS, it’s funded through taxes and offers healthcare free at the point of delivery. However, it’s only available to Isle of Man residents.

    Nonetheless, if you’re a UK resident, you may be able to access free emergency treatment under the “reciprocal healthcare agreement” made between the UK and Isle of Man all the way back in 1948.

    This agreement allows UK residents to receive necessary medical treatment while visiting or working on the island. The following is important to know:

    • Eligibility: UK residents visiting the Isle of Man for up to six months are covered for emergency medical treatment.
    • Coverage: The agreement covers treatment for conditions that are diagnosed after arriving or if an existing condition worsens while on the island.
    • Limitations: The agreement only covers emergency care. Non-emergency treatments, like dental treatment and repatriation back to the UK, are not covered.

    There are a couple of things to pick out here.

    Firstly, if you stay for more than six months you can register as a resident and get free access to the island’s public health system.

    Secondly, for the purposes of emergency care, a clinician will decide whether or not the treatment can reasonably wait until you return to the UK.

    Related reading: Exploring health insurance in Jersey: a guide for employers

     

    When to buy health insurance on the Isle of Man

    There are two main circumstance where you might consider buying group private health insurance for staff on the Isle of Man:

    Short-term stays:

    If you’re an employer sending UK staff on a short-term assignment to the Isle of Man then it’s certainly worth considering purchasing health insurance. While emergency care is covered on the island, it does not cover all eventualities, and the definition of what constitutes emergency care can be very strict. The Isle of Man government recommends visitors take out an “appropriate level of health insurance” during their stay.

    Another thing worth saying is that the healthcare agreement between the UK and Isle of Man does not cover medical repatriation. This means that if you receive emergency care on the island but thereafter require ongoing treatment that’s no longer considered an emergency, then you will need to relocate back to the UK – and this travel will come at your own cost.

    Longer-term stays:

    If your staff will be living on the island for more than 6 months, they can register as a resident and therefore get full access to its free healthcare system. Locate Isle of Man is a useful resource for anyone planning to relocate to the island. Here it provides a useful overview of all the health services included for residents.

    You might still consider buying private health coverage on the island even if you’re eligible for free healthcare as a resident. Access to private health facilities can give your employees faster access to treatments and consultations. You might even get access to services you wouldn’t find within the public healthcare system.

    You should also consider it from a talent acquisition perspective. Health and wellbeing benefits are a key tool in making your company attractive to would-be applicants, which is particularly important on the Isle of Man where competition for talent is fierce.

    Do you need help exploring health insurance options for staff working in the Isle of Man? Engage Health Group will talk you through your options and provide pricing tailored to your needs. Call 01273 974419 or enquiries@engagehealthgroup.co.uk to find out what’s possible.

     

    What Company Health Insurance can I get on the Isle of Man?

    You can purchase Group Private Medical Insurance as part of a wider global health policy or as a one country policy. Insurers operating in the Isle of Man include AXA, Bupa and Aviva – but most will only cover the Isle of Man as part of an international health plan.

    It’s best to first liaise with one of our consultants who can discuss your options and give impartial advice. Our team can find the policy that best meets your needs and budgetary constraints. We’ll also consider your wider employee benefits policies, and gather tailored quotes without any obligation to buy.

     

    What does Engage Health Group offer for the Isle of Man?

    Choosing the right Isle of Man health insurance policy for your team can be challenging. Every provider will promise they have the best solution, so it’s vital to get impartial advice from experts like those at Engage Health Group.

    Here are some of the things we will do for you:

    • Assess your needs: We’ll take the time to understand your business, your employees’ needs, and how everything links with your wider employee benefits strategy.
    • Customise solutions: We’ll deliver health insurance policies designed to meet your business’s unique needs, covering emergency care, non-emergency treatment, and repatriation where applicable.
    • Provide impartial advice: Our advice is unbiased, helping you understand the different insurers and policies available, so you can choose the best option for your business.
    • Give clear communication: We make sure you and your employees fully understand how the health insurance policies work, from coverage terms, to medical services covered and how the claims process works.
    • Provide ongoing support: Should you proceed with buying a Group Health Insurance plan for the Isle of Man, we’ll take care of the admin and continue to support you throughout the life of your policy.

     

    Ready to cover your employees in the Isle of Man?

    The healthcare system on the Isle of Man has its own unique character due to the way it runs its own free public healthcare system for long-term residents, but then has the reciprocal agreement with the UK to offer emergency care to short-term visitors.

    As a business hub, the island is highly competitive too. This makes your employee benefits offering an important tool for ensuring your business is an attractive proposition to current and prospective employees. But it’s also about fulfilling duty of care to all the employees who work for your business – and making sure their health needs are protected wherever they are working.

    To kickstart your search for the right Isle of Man Health Insurance policy, contact our award-winning team via 01273 974419 or enquiries@engagehealthgroup.co.uk.

  • 7 company health insurance trends to watch in 2025

    7 company health insurance trends to watch in 2025

    The private medical insurance (PMI) market continues to grow, and it’s showing no signs of slowing down. With more people turning to private healthcare for quicker access to treatment and tailored options, insurers are stepping up to meet growing demand.

    But what could the future hold?

    Based on current industry discussions, here are seven exciting trends we might see evolve in 2025.

    Want to stay ahead of the curve with your own employee benefits offering? Contact Engage Health Group’s award-winning consultants on 01273 974419 or enquiries@engagehealthgroup.co.uk for FREE advice and policy analysis.

     

     

    1.    Innovations in preventative services

    Prevention is better than cure, and insurers have been working hard to deliver more preventative services within their policies. By focusing on preventative care, they aim to help people avoid serious health issues and reduce long-term claims.

    • Experts have recently highlighted the need for a stronger focus on cancer prevention in the UK, so look out for more comprehensive screening programs.
    • The UK government recently secured a tech deal to improve early cancer detection
    • Wellness incentives, like gym discounts or wearable health trackers, are continuing to evolve with new features and functionality that put ease-of-use at its core.

    This shift isn’t just about saving money. It’s about encouraging healthier habits and catching problems early.

    As claims spiral, we can expect to see insurers continue to innovate in this area.

     

    2.    Support for neurodiversity

    As awareness of neurodiversity grows, so does the demand for services to support people with conditions like ADHD and autism. Insurers are starting to recognise this and may expand their policies to meet the need.

    • Benefits could include more diagnostic assessments, therapy, and even workplace support for neurodiverse employees.
    • Employers may see more tools and resources aimed at creating inclusive work environments.

    Zurich UK’s decision to offer neurodiversity assessments for staff shows how this trend has been gaining traction. Meanwhile, Aviva offers a Neurodevelopment Pathway on its corporate plans.

    So far, efforts have focused on diagnosis. Could 2025 be the year we see specialist advice and support for neurodivergent people post-diagnosis?

    Further reading: The real truth about neurodiversity in the workplace.

     

    3.    More self-help options

    Insurers are ramping up their digital tools for a generation that prefers to manage everything online. Self-service platforms and apps are becoming the norm, giving policyholders more control over their healthcare.

    • Expect to see apps where you can book GP appointments, track claims, or access mental health support.
    • Self-help tools like symptom checkers and guided therapy sessions might also be on offer.

    By catering to Gen Z and future generations, digitising healthcare and providing direct access to what they need can empower people to manage their health more efficiently.

     

    4.    Gender-specific health services

    Healthcare isn’t one-size-fits-all, and insurers are tailoring their offerings to meet gender-specific needs.

    • Women’s health services could include maternity support, menopause care, and dedicated GP options.
    • Men’s health services could cover prostate health, heart care, fertility issues and mental health.

    Examples of this trend include:

    • Simplyhealth’s women’s free health GP option: Provided by HealthHero, these women-focused GP services are now accessible to all customers with the insurer’s health plans and can be used 24/7 via the app or customer portal. This benefit provides quicker care and allows patients to access GPs specializing in women’s health.
    • Aviva’s updates to pregnancy-related cover: Aviva has added six pregnancy complications and more child-specific illnesses to its critical illness cover. Experts hope other insurers will follow, as these changes could significantly help families during tough times.
    • Juniper, a reproductive healthcare insurance provider, recently secured £1.5m in pre-seed funding.

    Prediction: We can expect to see more gender-specific innovations in 2025.

    Would your business benefit from FREE admin support on your health insurance policy? Contact our expert advisors for a no-obligation consultation. Email us on enquiries@engagehealthgroup.co.uk or call 01273 974419.

     

    5.    Innovations in AI

    Artificial intelligence (AI) is transforming everything, and that includes health insurance. Insurers are beginning to use AI to make services faster, smarter, and more personalised.

    • Claims processing could become quicker and smoother, cutting down on frustrating delays.
    • AI might also help identify at-risk individuals, offering tailored advice to prevent health issues before they escalate.
    • Chatbots will be increasingly able to handle policy queries

    Companies like Everest are already using AI to enhance their offerings. For example, the company uses cutting-edge technology in Singapore to match patients and their medical needs with relevant healthcare providers. This saves time and cuts costs for both employers and employees.

    AI can be controversial too, especially if used to process claims without human oversight. Either way, for good and bad you can expect to see more AI innovations around health insurance policies in 2025.

     

    6.    Mental health support

    Expect to see continued attention on mental health support as increasing numbers of people seek out support.

    “I was shocked to learn during a meet with one insurer that their highest claims included in-patient mental health,” said Jo Bills, International Client Support Manager at Engage Health Group.

    “Historically it’s always been cardio and cancer, but in-patient mental health is definitely a bit of a shift. We’ve always known that out-patient mental health support has been popular but the fact that this has now crossed over into in-patient care really surprised me.”

    It’s an issue that predominantly seems to be affecting younger people. The demand for in-patient facilities may reflect a lack of support provided at an earlier stage.

    Preventative solutions will surely be a continued area of attention. Employee Assistance Programmes (EAPs) will be in high demand and you can expect to see continued innovations in wellness apps.

     

    7.    Global healthcare support

    More companies of all sizes are hiring abroad. This poses a challenge for companies seeking to provide health cover to all their employees wherever they are in the world.

    Corporate companies have long faced this challenge, but more SMEs are employing abroad whether via remote workers or through opening new offices abroad.

    So, one thing we can expect to see are more policies covering multiple countries under a single scheme.

    We might expect to see more policy innovations designed for SMEs with globally dispersed workers  in 2025. Who knows, maybe Engage Health Group will be at the forefront once more?

     

    What does this mean for businesses?

    Insurance providers are always searching out new ways to create value for their clients. Many innovations are first rolled out to corporate customers before gradually being made available to smaller businesses.

    It can be very difficult to keep up with all the latest product offerings in the employee benefits space, but Engage Health Group is here to give one-to-one advice and assistance.

    As an employee benefits consultancy, Engage Health Group stays abreast of all insurer offerings and price points to ensure you get the best advice available.

    We will also benchmark your offerings against similar companies, to ensure that you’re offering remains competitive

    If you’d like a complimentary quote tailored to your business or analysis of any current schemes you have in place, contact us on 01273 974419 or enquiries@engagehealthgroup.co.uk

  • Private medical insurance is in high demand. Here’s why…

    Private medical insurance is in high demand. Here’s why…

    Private Medical Insurance (PMI) is experiencing a surge in demand, with a record 6.2 million people now covered in the UK.

    According to the Association of British Insurers (ABI), PMI uptake rose by 7% in 2023, with employer schemes covering 4.7 million individuals—the highest level in over 30 years.

    But what’s driving this growth, and how can businesses maximise the success of their company PMI schemes?

    Are you considering a private health plan for your employees? Take advantage of our free quotation and advice service to find out how much it will cost. Use the chatbot on the right or call 01273 974419.

     

    Why is PMI becoming more popular?

    PMI is rapidly gaining traction in the UK, with millions opting for this coverage. Even younger people between 18 and 24 are more likely to use private medical insurance – thanks to their enthusiastic embrace of digital tools.

    Some of the forces propelling this trend include:

    Concern over increased NHS pressures

    Private Healthcare Information Network (PHIN) data shows private hospital admissions hit a record 900,000 in 2023, a 7% increase from 2022. This surge is attributed to more people turning to private healthcare services due to escalating wait times within the NHS system.

    A survey conducted by Vitality UK revealed that half of its customers cited long NHS wait times as their reason for investing in PMI.

    With the increasing pressure faced by the NHS and its resources stretched thin, individuals and businesses are increasingly turning toward PMI for quicker access to treatments. This ensures employees can return to work faster after being sick or injured.

    Additional medical treatments available

    New drugs may be available via private health insurance that are currently available on the NHS. This is also true of homeopathy. Meanwhile, some treatments are only sparingly provided on the NHS, such acupuncture, which can be included on a private plan.

    Increased flexibility

    With PMI, employees can often choose where and when they want their treatment and select a schedule that fits their lifestyle. This flexibility helps their treatment plan meet their personal needs.

    Quality of care

    While the NHS provides a brilliant service, a privately health scheme can provide access to superior facilities. For example, private patients can often stay overnight in a private room rather than a busy ward. According to the Independent Healthcare Providers Network (IHPN), 18.7% of people believe PMI provides higher-quality treatments.

    Economic impact

    PMI is playing a crucial role in reducing economic inactivity. The ABI estimates that health insurance prevents 14 million sickness days annually, an amount comparable to the productivity of 12,500 full-time employees. This reinforces the government’s focus on improving workforce productivity through better health support.

    Before investing in a policy or renewing your current scheme, make use of a full free review courtesy of our award-winning advisors at Engage Health Group. Call 01273 974419 or email enquiries@engagehealthgroup.co.uk.

     

    How to guarantee success with your company PMI scheme

    To make the most of your company health insurance policy, align it with your business goals and what your employees actually need. Here are some steps to help you make it a success:

    • Tailor your coverage to suit your needs: Work with an experienced broker to design a scheme that fits your workforce. Consider employee demographics, job roles, and any specific health concerns.
    • Promote benefits among employees: Employees can’t use what they don’t know exists. Communicate the benefits of your PMI scheme regularly through onboarding sessions, newsletters, and via one-on-one discussions.
    • Take advantage of additional benefits: Many PMI providers include perks like Employee Assistance Programs (EAPs), virtual GP services, and mental health support. Highlight these features to ensure employees see the full value of their coverage. You don’t need to have a diagnosis or even be ill to benefit from some of these services!
    • Review regularly: Review your PMI scheme’s performance and usage regularly. Use employee feedback to make adjustments where necessary. Enlist an impartial broker, like Engage Health Group, to perform a free policy review.
    • Offload admin to a good brokerage: Too often HR or finance teams get tied up in the knotty admin associated with health insurance policies. But a good brokerage like Engage Health Group can take care of the admin for you at no extra charge.

     

    Investing in Private Medical Insurance

    By investing in a PMI scheme, businesses can enhance employee wellbeing, reduce absenteeism, and improve productivity. With the right approach, a PMI scheme can be a powerful tool for building a healthier, more resilient workforce.

    If you’re considering implementing or refining a company PMI scheme, Engage Health Group can help you navigate your options and find the best solution for your team. Contact us today for more information.

  • 8 mental health insurance options for UK businesses

    8 mental health insurance options for UK businesses

    Insurers are only too aware of the growing demand for mental health support. That’s why they’ve been busy developing their policies to better support people with varying emotional and mental health needs.

    All health insurance providers offer some form of mental health support in their business plans, even if standalone mental health insurance is not available as a distinct policy.

    It’s easy to undersatand why insurer’s are making improvements in this area.

    Businesses today are increasingly looking to support employees with their mental health and wellbeing.

    According to the Health and Safety Executive (HSE), 46% of all work-related ill health cases are linked to stress, depression, or anxiety.

    In this article, we explore what the UK’s eight leading health insurers offer in terms of mental health support.

    Contact our award-winning team to receive free impartial advice and a complimentary quotation service. Engage Health Group compares policies across the market and reviews any policies you have in place to ensure they’re offering the best value.

     

    What mental health support is commonly offered by health insurers?

    All the leading health insurance providers offer some form of mental health support for their business customers. Many of the support mechanisms they offer are quite similar. For example, Employee Assistance Programmes (EAPS) are offered by all eight insurers featured in this article.

    EAPs are designed to provide emotional support across a wide range of issues. These include psychological stresses and strains related to work, finance, family relations, addiction issues and much more. Support is provided via an online platform which includes access to therapists and, often, specialists in different fields (such as legal and financial).

    EAPs usually come with general wellbeing advice and exercises too, so you don’t need to be experiencing a crisis to benefit. You can read more about EAPs here.

    Another important thing to mention is that mental health support is usually more advanced on Corporate Health Insurance plans which are typically offered to companies with 250-plus employees.

    Finally, as it’s 2024, all the leading Group Health Insurance providers provide some form of wellbeing app or online platform with their policies.

     

    8 insurers offering mental health coverage for employees

     

    1.     Aviva Health

    Aviva’s corporate health insurance plans support various mental health needs. Members can easily access its mental health support services through digital tools, which provide security to all its users.

    Aviva’s mental health offering includes:

    • Unlimited Mental Health Support: Aviva offers unlimited access to mental health specialists via a GP referral, ensuring you can get help when needed.
    • Counselling & Therapy: Up to 28 days of inpatient and day patient mental health treatment and access to outpatient services like cognitive behavioral therapy (CBT) and counselling.
    • Apps & Tools: Members can use the Aviva Digital GP app, which provides online GP consultations and self-management resources for mental health, including access to virtual therapy sessions. In addition, you can choose a GP by reviewing their profiles and also get repeat NHS prescriptions.

    NOTE: Access to services may vary depending on which Aviva Business Health Insurance plan you opt-for. Contact one of our expert advisors for expert assistance.

     

    2.     AXA Health

    AXA Health has a Defaqto 5-star rating and offers mental health coverage to support employees at different stages of their mental health journey. Many of its mental health support services are also available for SMEs, providing access to a wide range of specialists and treatments.

    AXA’s mental health services include:

    • Dedicated mental health line: 24/7 access to a confidential mental health helpline, where staff can speak directly with counsellors and mental health professionals.
    • Inpatient & outpatient support: AXA’s plans cover a range of treatments, from CBT and counselling sessions to more intensive psychiatric care.
    • Apps and tools: The AXA Health App allows staff access to personalised mental health assessments and resources that track your mental wellness over time. By being proactive with the app, you can make small recommended changes that lead to healthier habits over time.

    NOTE: Available services may vary depending on which Aviva Business Health Insurance plan you opt-for.

     

    3.     Bupa

    Bupa is well-known for its mental health support, providing flexible options to address mental health concerns. Preventive care and ongoing therapy are both catered for.

    Bupa’s mental health services include:

    • Unlimited mental health treatment: Bupa covers treatment for a variety of conditions, including stress, anxiety, and depression. This includes both inpatient and outpatient care.
    • No GP referrals needed: Members don’t need a GP referral to access counselling services, making it easier for them to get help.
    • Apps and tools: The Bupa Blua app offers articles, self-help guides, and tools to manage stress and anxiety. Bupa’s online resources hub, Healthy Me, also provides additional advice from experts.
    • 24/7 mental health support line: Bupa offers a confidential helpline that connects directly with trained counselors.

    NOTE: Available services may vary depending on which Bupa Business Health Insurance plan you select. Contact one of our experts to discover which policy best fits your needs.

     

    4.     Freedom Health Insurance

    Freedom Health Insurance provides coverage for mental health support via virtual and in-person options.

    • eMed Virtual GP Service: Offers quick access to unlimited mental health consultations with doctors via their eMed GP app, allowing you to get help from home 24/7, 365 days a year.
    • Inpatient & outpatient treatment: Freedom Health Insurance covers short-term and long-term mental health conditions, offering therapy, counselling, and psychiatric care when necessary.
    • Optional mental health coverage: Employers can add mental health support to their corporate plans, providing tailored mental health services based on the company’s needs.

    NOTE: Available services may vary depending on which Freedom Business Health Insurance plan you select.

     

    5.     Vitality

    Vitality LogoVitality takes a proactive approach to mental health insurance, focusing on wellness and preventative care. Its plans promote mental wellbeing and offer various tools to help its members manage mental health before it gets worse.

    Services included on Vitality’s business plans include:

    • Counseling & therapy: Coverage includes talking therapies such as CBT and counselling sessions, helping members access support in the early stages of mental health difficulties.
    • Subscription to Headspace: Including guided meditations, and yoga sessions
    • Apps and tools: The Vitality Member app offers a range of digital tools and resources for mental health self-care, including wellness trackers, guided meditations, and stress management techniques. The app also provides discounts from its partners to help you manage stress, eat better, lose weight, and quit smoking.
    • Comprehensive mental health cover: Vitality offers ‘bolt-on’ inpatient and outpatient mental health treatment.

    NOTE: Available services may vary depending on which Vitality Company Health Insurance plan you select. Arrange a free consultation with one of our expert advisors to discover which policy best fits your needs.

     

    6.     Western Provident Association (WPA)

    WPA is known for its personalised approach to health insurance. They focus on providing mental health care as an “add-on” to its core products, including access to treatment and ongoing support.

    Services included on WPA’s business plans include:

    • Extensive Mental Health Cover: WPA covers a wide range of mental health conditions, including anxiety, depression, and other psychiatric disorders – this includes access to treatment and ongoing support.
    • Employee Assistance Programs (EAPs): Like other insurers, WPA offers mental health support for employees, including counselling, advice, and work-life balance tools through its EAP. This cover is available to all WPA members and their families. In addition, remote access through the WPA Helpline is available to everyone above 16 years old every day of the year, 24/7.
    • Apps and tools: Members can use the WPA Health App, which provides access to mental health resources, wellness tracking, and virtual consultations. You can also make and track claims 24/7 through the app, view membership documents, and send and receive messages with WPA through a secure messaging system.

    NOTE: Available services may vary depending on which WPA Company Health Insurance plan you select.

     

    7.     Benenden Health

    Benenden Health provides affordable health care, focusing on mental health support for employees. They offer straightforward coverage to help employees manage mild to moderate mental health issues.

    Services included on Benenden’s business plans include:

    • Mental health support line: Employees can access free, 24/7 mental health support after six months of membership, giving them direct access to counsellors for issues like stress and anxiety.
    • Short-term therapy: Benenden provides up to 6 sessions of therapy or counselling for employees facing mental health challenges.
    • Apps and tools: The Benenden Wellbeing Hub offers mental health articles, self-help guides, and wellness tools to help employees manage their mental health independently.

    NOTE: Available services listed above may vary according to which Benenden Company PMI plan you select. Arrange a free consultation with one of our award-winning advisors to discover which policy best fits your needs.

     

    8.     YuLife

    YuLife is a tech-first provider that delivers its health insurance plans through Bupa. Along with Bupa’s mental health support services, businesses also get access to YuLife’s app.

    Services on YuLife’s offering include:

    • Insurance-free assistance: A major benefit of YuLife is that it’s available to anyone, even if your employees aren’t part of their insurance coverage. Your employees can access the app’s wellness and employee perks platform, which includes virtual GP consultations, EAPs, and wellbeing challenges.
    • Employee Assistance Programs (EAPs): YuLife provides access to counselling, mental health assessments, and emotional support through its EAP services.
    • Apps and tools: The YuLife Employee App includes wellness trackers, mindfulness exercises, and access to mental health support, encouraging mental health management.
    • Bupa mental health support: (See Bupa’s offering above.)

    NOTE: Available services may vary depending on which YuLife package you choose.

     

    Which policy best supports your employee’s mental health?

    The truth is there’s no one answer to this question. Each policy has its own strengths and weaknesses, while each business need differs.

    As an employee benefits consultancy we can help you make the best possible decision by doing the following:

    • Taking the time to understanding what kind of coverage you’re looking for, the number of people you’d like to cover and how much you’re able to invest
    • Gathering a range of quotes from different providers and outlining the key mental health services they offer
    • Considering how the policy will interact with any products or policies you already have in place. For example, do you already have a cash plan or EAP in place?
    • Reviewing any current health and protection policies you have in place to ensure you’re receiving the best value

    The award-winning advisors at Engage Health Group are here to answer all your questions and give advice in your best interests. Simple call 01273974419 or email enquiries@engagehealthgroup.co.uk to arrange a free consultation.

     

  • Engage compares & contrasts all major UK health insurers (so you don’t have to)

    Engage compares & contrasts all major UK health insurers (so you don’t have to)

    You’ll find many insurance brands vying for your attention when looking for Group Health Insurance.

    At Engage Health Group, we consider all insurers and their various offerings before matching our clients with a policy. There are eight main insurers we work:

    • Aviva Health
    • AXA PPP
    • Bupa
    • Freedom Health Insurance
    • Vitality
    • WPA (Western Provident Association)
    • Benenden Health
    • YuLife

    (Note: other brands exist, but they sell insurance offerings from one of the main providers rather than a distinct offering.)

    Most insurers offer similar core medical benefits, but each has its own unique terms & conditions and pricing structures. The typical exemptions include chronic conditions (incurable and long-term ailments) and pre-existing conditions experienced before the policy starts.

    It’s worth noting too that each provider is expanding the digital services they offer to support mental health and broader employee wellbeing.

    Which insurer has the right policy for your business? Our team of award-winning brokers compare and contrast policies from all the providers to ensure businesses get the best available deals. Call 01273 974419 or email enquiries@engagehealthgroup.co.uk for a FREE consultation.

     

    1. Aviva Health 

    Aviva Health is one the biggest players in the UK health insurance scene, offering a wide range of packages aimed at different business types. Some of its highlight offerings include: extensive cancer cover, dedicated mental health support through its ‘Mental Health Pathway’ and a ‘BacktoBetter’ initiative designed to help those with musculoskeletal disorders.

    A notable characteristic of Aviva’s health offerings is choice. Businesses can opt for relatively simply plans or, for corporate businesses, fully customisable plans.

    Main office locations:

    Eastleigh / Sheffield

    Businesses catered for:

    • Small businesses (one to 99 employees)
    • Medium-sized businesses (100 to 249 employees)
    • Corporate businesses (250+ employees are served under its flexible ‘Optimum’ package)

    Origins:

    • Founded as Norwich Union Healthcare 1990
    • Merged with CGU to become CBNU 2000 – to then become part of the Aviva Group

     

    2. AXA PPP

    As the second-largest health insurer in the UK, AXA PPP provides wide and varied offerings. It provides all the things you would expect, including: standard inpatient treatment, cancer cover, and diagnostic tests and scans. Again, AXA’s plans can be easily tailored to include added-value services such as mental health cover, therapy, travel insurance, and optical and dental care.

    Main office locations:

    Tunbridge Wells / Leicester

    Businesses catered for:

    • Small-Medium businesses (1 to 249 employees)
    • Corporate (250+ employees)

    Origins:

    • Established as the London Association for Hospital Services 1938
    • Acquired by the wider AXA Group 1999
    • Acquired Bournemouth-based specialist online PMI provider, Health-on-Line 2012
    • Acquired SimplyHealth / Permanent Health Company 2015

     

     

    3. Bupa

    A not-for-profit organisation, Bupa is one of the most recognisable names in the UK health insurance industry. Bupa offer the classic health insurance options (in-patient / day-patient treatments), with the option to incorporate full out-patient cover.

    Bupa offers four different options for small businesses, ranging from Select Custom up to Select Complete (the latter, as the name would suggest, offering the most comprehensive cover).

    Main office locations:

    Staines / Manchester

    Businesses catered for:

    • Small-Medium businesses (1-249 employees)
    • Corporate businesses (249+ employees)

    Origins:

    • Founded 1947 (one year prior to NHS)

     

     

    “Not only did Engage Health save us a lot of money on our health insurance and benefits, they also did all the hard work for us in an area that can be a bit of a minefield!”

    For a free consultation and impartial advice contact our award-winning team on 01273 974419 or enquiries@engagehealthgroup.co.uk. 

     

     

    4. Freedom Health Insurance

    freedom health insurance logo

    Freedom Health Insurance is a specialist health insurer offering innovative products and services to businesses. But it’s also underpinned with the kind of services you would expect from a Group Health policy, including full cover for inpatient and day-patient treatment, accommodation in private hospital rooms and extensive cancer cover.

    Main office locations:

    Bournemouth

    Businesses catered for:

    • Small-Medium business
    • Corporate

    Origins:

    • Freedom Health is a family-run company founded in 2003.

     

    5. Vitality

    Vitality is an innovative provider in the UK, particularly in the digital space. For example, its Active Rewards Scheme rewards members for keeping fit and living healthily. This digital app allows members to log their healthy activities (e.g., step-count, gym workouts, swimming metres), and in return members build up points for discounts on products/perks with partner companies!

    However, it also offers the classic health insurance services – inpatient and day patient coverage (covering hospital and consultant fees), outpatient surgery, cancer care, virtual GP appointments, mental health support and more.

    Main office locations:

    Bournemouth / Stockport

    Businesses catered for:

    • Small-Medium business (1 to 249 employees)
    • Corporate (for 100+ employees)

    Origins:

    • Originally PruHealth: 2004 marked the beginning of a joint venture between Prudential / Discovery Group
    • 2010: Became Vitality after Discovery bought Prudential out of their share
    • Acquired Standard Life Healthcare

     

     

    6. WPA (Western Provident Association)

    WPA is a well-established not-for-profit health insurer in the UK market, offering flexibility in their health and wellbeing initiatives. Their schemes can suit specific business needs, with a wide range of services including at-home nursing, private ambulance transport, EAPs, private cover, cancer care, and mental health support.

    Some of the optional extras include things like Overseas Emergency Treatment, GP Services, Dental Care and a Cash Plan arrangement.

    Main office locations:

    Taunton

    Businesses catered for

    • Small-Medium business
    • Corporate

    Origins:

    • Founded 1901

     

     

    7. Benenden Health

    A not-for-profit organisation, Benenden Health offer private healthcare that complements the NHS, giving members access to a range of services – private diagnostic tests, treatments, 24/7 virtual GP, mental health support, physiotherapy and more. While Benenden doesn’t offer the same depth of coverage as other providers on this list, it can be a useful option for businesses with a lower budget.

    Benenden function as a ‘mutual’ society, meaning it is run both by and for its members. Members have a say in how the organisation is run, helping with key decisions. The lowest-cost private healthcare offering from Benenden comes in at £12.80 per employee, per month.

    Main office locations:

    Kent

    Businesses catered for:

    Best suited to smaller businesses which cannot afford more extensive policies.

    Origins:

    • Founded 1905: originally to provide treatment for postal workers suffering from Tuberculosis

     

     

    8. YuLife

    YuLife is a tech-driven insurance company, allowing customers to access healthcare and wellbeing services through its digital app. The YuLife app is aimed at rewarding small behavioural changes in everyday life. Now partnered with Bupa, customers can access private group health insurance directly through YuLife. The aim is to combine cutting edge technology with the resources of a major health insurance provider.

    Main office locations:

    London

    Target audience for health insurance:

    • Small-Medium Business
    • Corporate

    Origins:

    • Founded 2016

     

     

    Need help with your Group Health insurance scheme?

    Engage Health Group is a health insurance brokerage and consultancy which helps businesses negotiate the health and wellbeing marketplace. We work on behalf of businesses, not the insurance industry, so you can be rest assured that you’re getting advice you can trust.

    As well advising on Group Insurance, we also advise on Group Life, Group Income Protection, Group Critical Illness and many other aspects of workplace health and protection.

    Contact our expert team at enquiries@engagehealthgroup.co.uk or call 01273 974419 for FREE no-obligation advice and support.

  • 8 insider tips for buying Business Health Insurance the smart way

    8 insider tips for buying Business Health Insurance the smart way

    With 9 in 10 employees choosing health as their top life priority and NHS waiting lists mounting, it’s no wonder private medical insurance is so sought after right now.

    Employers can help support their staff by investing in a Business Health Insurance plan. But how do you find the best deal in a market full of providers offering different schemes with different price-points and features?

    Whether you’re thinking of buying Business Health Insurance for the first time, or reviewing your current scheme, this article will help you make the smartest decision.

    Get FREE one-to-one advice and support on health insurance by contacting our independent brokers on +44 (0)1273 974419 or via the chat box on the right.

    #1 Find out what your staff need

    Lots of policies are modular these days so a great place to begin is to get insights on what’s important to your staff. Perhaps psychiatric cover is a necessity for your team? Maybe limiting the amount of out-patient cover would be worthwhile? Could having access to a private GP in central London be a priority?

    The whole purpose of buying Business Health Insurance is to support the needs of your staff. So, the first crucial step – which you really shouldn’t gloss over! – is to consult your team and discover what it is they need.

    You can find out what your staff want via:

    • Group discussions
    • Regular 1-2-1s
    • Employee surveys
    • Assessing HR data on absences, staff turnover, usage of benefits currently offered
    • Tracking general workplace trends and shifting staff priorities
    • Considering demographics and how this can impact demand

    #2 Be cautious of sales people representing a single insurer

    While professional and knowledgeable in most instances, selling you their product – and their product alone – is an insurer’s main priority above anything else. Like all good sales people, they will focus on the great points of their offering, but can’t give you an impartial view of how they stack up against competitors.

    Product, benefits, features, services, administration, and claims can vary wildly between insurers, so how can this person be sure that your needs wouldn’t be better served elsewhere? Having a full breadth and understanding of the whole market is going to ensure you are leaving with the best deal.

    #3 Avoid online comparison websites

    Comparison sites can leave just about anyone confused and with more questions than when you began the whole process. The big comparison websites will often pass your business details onto third parties, resulting in numerous unexpected phone calls and emails from sales people.

    Yes, it is tempting to simply just click website links promising a “quick quote”, but realistically this will be an online form for your personal details agreeing for a sales person to get back in contact with you!

    #4 Consider the importance of wellbeing add-ons

    The success of the health insurance market relies heavily on healthy people being covered to offset the claims cost of those who become ill and need care. In recent years many insurers have started to provide wellness initiatives as part of their products to incentivise healthy behaviour and provide greater value to members. These extra wellbeing products are a fantastic way to boost your healthcare plan and show staff how you are responding to their needs.

    There are many add-ons and employee benefits that work well with a base Group Health Insurance policy:

    Looking for help buying the right health insurance policy for your staff? Contact our award-winning brokers on +44 (0)1273 974419 or click on the bottom right chat box.

    #5 Consider your hospital selection

    Are your staff going to benefit the most from having access to top-tier hospitals in Central London covered? Probably not. There is a common misconception that the amount a hospital charges for accommodation, treatments, and other services is directly related to clinical outcomes. This simply isn’t the case.

    A hospital selection more suited to your employee’s geographical location or based on thorough research addressing the needs and priorities of your staff can deliver handsome savings on your premium and still provide an excellent setting for any treatment.

    #6 Don’t be afraid to double check with consultant fees

    Whilst most insurers say they provide “Full Refund” for consultant costs, what most actually mean is that they will cover in full up to an amount they deem reasonable and customary for the procedure in question. This can mean that customers are left with a shortfall between what the consultant charges and what the insurer is willing to pay. Insurers often catch the brunt of customers’ frustrations at this point!

    Truth be told, if an insurer won’t pay a consultant’s bill in full, it’s likely the consultant is charging more than the typical cost for that procedure. So, with no clear evidence that their clinical outcomes, expertise, experience or re-admission rates warrant a higher value on their work, the cover isn’t going to cut it. Some insurers can genuinely provide full cover for consultants, surgeons and anesthetists so it’s important to consider your priorities here.

    #7 Policy Excess

    An excess is a great way to reduce premiums by agreeing to pay the first £XXX amount of a claim. If your staff are most concerned with very large healthcare costs, a great way to keep the premiums low is to offer options for a large excess.

    Keep in mind, however, that a large number of claims can mean that you have to pay out a lot of excess and it all adds up! The best type of excess is one which only charges excess once per person per policy year. This means that if the same person claims multiple times, you are not paying excess multiple times, only for the first claim in that year.

    Is raising the excess is the most cost-efficient way to buy Business Health Insurance? This will depend on the number of claims you’re likely to make and the stipulation in the terms. It’s another reason why employing an independent broker like Engage and getting free expert advice is highly recommended.

    Speaking of which….

    #8 Seek independent qualified advice

    Our final top tip for when you buy Business Health Insurance is to seek independent advice from a qualified intermediary who has access to all UK health insurance providers across the whole industry. Specialist health insurance brokers offer an impartial view of the market and provide you with prices from all insurers.

    In short, they will genuinely put your needs at the top of their priority list without having to shoehorn you into products which aren’t quite the right fit! With connections to all insurers, but no allegiance to any, there is the guarantee that any views of specific insurers (good, bad, and indifferent) are impartial and based on real customer experiences.

    At Engage Health Group, we help to ensure there are no nasty surprises encountered along the way, working to get you the perfect blend of employee benefits and health insurance policies for your staff and business. Coming at no extra cost to your business, we specialise in negotiating with insurance companies and finding the best quotes possible saving you and your HR teams the legwork.

    Contact us at enquiries@engagehealthgroup.co.uk or call +44 (0)1273 974419 for FREE no-obligation advice and support.