Bupa - Premier Plus

Bupa - Experience rated PMI

To keep your client's business on track, their staff need to be at work. Sickness absence poses a significant threat to any business, regardless of size.

Last year alone over 172 million working days were lost as a result of sickness, at an estimated cost to British business of £13.2 billion+

Currently there are almost 1.4 million people waiting for an operation on the NHS. Still more are waiting for consultations or treatment.++ These are just some of the reasons why Bupa cover should figure in your employee benefits package.

Company health care aims to provide an efficient, cost-effective safeguard for your client's business. It offers them the reassurance of knowing that if their employees fall ill, they can have access to eligible medical treatment at a suitable time and place.

This can help them get back to work sooner, minimising the impact on your client's business. It can also be seen as a valuable employee benefit, demonstrating their commitment to staff morale and welfare.

A number of options are available with this policy as follows :-

• Psychiatric in-patient stay 28 as standard alternatively 45 or 90 days
• Out-patient treatment as standard is £500 altenatively be £1,000.
• The Discretionary Benefit Option (DBO) limits relating to outpatient and specialist fees can be enhanced on an adhoc basis.
• NHS cash benefit as standard £50 per night up to 35 nights alternatively this can be increased to £100 per night up to 35 nights.
• Over aged dependants as standard is 21 alternatively this can be up to 24 if in full time education or up to 24 irrespective of full time education.

All options carry a cost implication.

+CBI 2002 Absence and Labour Turnover Survey
++NHS waiting list statistics (England) March 03