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WPA - Enterprise Health

We understand that each company is different, and that you want to protect and reward your staff with private medical insurance which reflects your business budget and needs. Our Enterprise Health scheme for 10 to 200 insured members is extremely flexible. Whether you are looking to start a new group scheme with us, or if you are looking to switch providers, we can help you create a bespoke offering where each employee can have different benefits tailored just to them.

Private medical cover is regarded as a highly valued benefit by employees. With flexible joining terms that allow members of staff with existing private medical insurance to transfer their cover to our Enterprise Health scheme, or those currently not insured, we’ve worked hard to ensure the group scheme will appeal to all your staff.

With private medical cover, should your employee become unwell you can help them get quicker access to the best healthcare possible. However, your employees don't have to be ill to benefit from the Enterprise Health group scheme. They can also get money back for routine healthcare costs such as dental treatments or eye tests and glasses/contact lenses and much more. Benefits include access to an invaluable Employee Assistance Programme(EAP). An EAP will keep your staff engaged and productive, as well as minimising the impact of any external distractions on employees’ ability to function or focus while at work.

Our expert team are here to help if you’d like to talk through how to create the best group scheme for your staff. When the group scheme is up and running, we can take care of all the ongoing administration, including providing annual claims usage reports so you understand how your team are benefiting from the group scheme. We can also help to conduct work site briefings for your team individually, or as a group, about how to make full use of their Enterprise Health group scheme. Leaving you free to focus on what you do best, running your business.

By investing in your workforce, you’ll encourage your staff to focus on their wellbeing. Underpinning your wider business reward strategy to drive sustainable improvements in business performance.

Benefits

Cover Type All Standard Comprehensive
Comprehensive Outpatient All No £500 £1000 Unlimited
Cash Extras All Yes No
Overseas Emergency Treatment All 70 Days No
Dental Care All Level 1 Level 2 Level 3 No
Six Week Option All Yes No

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
Full refund of customary and reasonable fees
Surgeon / Consultant / Specialist & Anaesthetists fees
Full refund of customary and reasonable fees
Physicians fees & diagnostic tests
Full refund of customary and reasonable fees
Cancer Treatment Costs - Chemotherapy / Radiotherapy
Cover Type - Comprehensive
 Full refund of customary and reasonable fees
Cover Type - Standard
 Not covered
Psychiatric treatment
Cover Type - Comprehensive
 Full refund for up to 28 days or nights in any 5 year period
Cover Type - Standard
 Not covered
Six week option
Six Week Option - Yes
 Six week wait – not available with the £500, £750 or £1,000 Shared Responsibility options Should your employees require treatment and the NHS waiting list is longer than six weeks from their initial private consultation (covered in line with customary and reasonable limits), employees are eligible to receive treatment straight away, privately. NHS cash benefit is available where treatment is provided on the NHS.
Six Week Option - No
 Not available

Key Facts - Out-patient Charges

Complementary medicine
Cover Type - Standard
 Therapy provides £500 benefit per person pa with Maximum of 10 sessions for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, and Speech and Language Therapy.
Comprehensive Outpatient - £500
 Therapy provides £500 benefit per person pa with Maximum of 10 sessions for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, and Speech and Language Therapy.
Comprehensive Outpatient - £1000
 Therapy provides £1000 benefit per person pa with Maximum of 10 sessions for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language Therapy.
Comprehensive Outpatient - Unlimited
 Therapy provides unlimited benefit per person pa with Maximum of 10 sessions for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, and Speech and Language Therapy
Diagnostic tests (excluding scans)
Cover Type - Standard
 Consultations with a Specialist and Diagnostic Tests at £500 per annum
Comprehensive Outpatient - £500
 Consultations with a Specialist and Diagnostic Tests at £500 per annum
Comprehensive Outpatient - £1000
 Consultations with a Specialist and Diagnostic Tests at £1,000 per annum
Comprehensive Outpatient - Unlimited
 Consultations with a Specialist and Diagnostic Tests : Unlimited benefit
GP referred consultations
Cover Type - Standard
 Consultations with a Specialist and Diagnostic Tests at £500 per annum
Comprehensive Outpatient - £500
 Consultations with a Specialist and Diagnostic Tests at £500 per annum
Comprehensive Outpatient - £1000
 Consultations with a Specialist and Diagnostic Tests at £1,000 per annum
Comprehensive Outpatient - Unlimited
 Consultations with a Specialist and Diagnostic Tests : Unlimited benefit
Physiotherapy consultant referred
Cover Type - Standard
 Therapy provides £500 benefit per person pa with Maximum of 10 sessions for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, and Speech and Language Therapy.
Comprehensive Outpatient - £500
 Therapy provides £500 benefit per person pa with Maximum of 10 sessions for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, and Speech and Language Therapy.
Comprehensive Outpatient - £1000
 Therapy provides £1000 benefit per person pa with Maximum of 10 sessions for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language Therapy.
Comprehensive Outpatient - Unlimited
 Therapy provides unlimited benefit per person pa with Maximum of 10 sessions for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, and Speech and Language Therapy
Physiotherapy GP referred
Cover Type - Standard
 Therapy provides £500 benefit per person pa with Maximum of 10 sessions for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, and Speech and Language Therapy.
Comprehensive Outpatient - £500
 Therapy provides £500 benefit per person pa with Maximum of 10 sessions for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, and Speech and Language Therapy.
Comprehensive Outpatient - £1000
 Therapy provides £1000 benefit per person pa with Maximum of 10 sessions for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language Therapy.
Comprehensive Outpatient - Unlimited
 Therapy provides unlimited benefit per person pa with Maximum of 10 sessions for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, and Speech and Language Therapy
Psychiatric cover
Cover Type - Standard
 Not covered
Cover Type - Comprehensive
 Psychiatric Treatment – Psychotherapy/psychology – Limited to 3 consecutive months under the care of a psychiatrist or if referred to a therapist by your GP up to £750
Radiotherapy / Chemotherapy
Cover Type - Standard
 Not covered
Cover Type - Comprehensive
 Full refund
Scans - MRI / CT / PET
Full refund on One MRI or CT scan only
Surgical Procedures
Full refund

Key Facts - Additional Benefits

NHS cash benefit
Cover Type - Standard
Non-cancer – overall combined maximum annual benefit £4,500
NHS In-patient or NHS Day-patient – £100 per night/day
NHS Out-patient Complex Diagnostic Scans and NHS Out-patient Procedures
(MRI, CT and PET Scans) – £100 per da
Cover Type - Comprehensive
Non-cancer – overall combined maximum annual benefit £4,500
NHS In-patient or NHS Day-patient – £100 per night/day
NHS Out-patient Complex Diagnostic Scans and NHS Out-patient Procedures
(MRI, CT and PET Scans) – £100 per day
Cancer – overall combined maximum annual benefit £30,000 (where applicable)
NHS In-patient or NHS Day-patient – £100 per night/day
NHS Out-patient Complex Diagnostic Scans or NHS Out-patient Cancer
Treatment or NHS Out-patient Procedures – £100 per day
Nursing at home
Full refund (up to 4 weeks following in-patient treatment)
Parental accommodation
Up to 10 nights for hospital accommodation charges for children FTE, Unmarried under 25 of age.
Primary care
Not covered
Private ambulance
Cover Type - Comprehensive
 Full refund when required for medical reasons to go to, from or between hospitals for treatment which is covered by your Group Policy.
Cover Type - Standard
 Not covered

Additional Benefits

Alcohol & drug abuse
Not covered
Annual maximum limit
No annual maximum
Children covered
Up to age of 25 if in full time education, and unmarried
Chiropractors & Osteopaths
Comprehensive Outpatient - No
 Not covered
Comprehensive Outpatient - £500
 Therapy provides £500 benefit per person pa with Maximum of 10 sessions for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, and Speech and Language Therapy.
Comprehensive Outpatient - £1000
 Therapy provides £1000 benefit per person pa with Maximum of 10 sessions for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language Therapy.
Comprehensive Outpatient - Unlimited
 Therapy provides unlimited benefit per person pa with Maximum of 10 sessions for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, and Speech and Language Therapy
Dental treatment
Dental Care - No
 Not covered
Dental Care - Level 1
General Dental Treatment
When performed by a registered dentist or dental hygienist in general dental practice: £150
Dental Care - Level 2
General Dental Treatment
When performed by a registered dentist or dental hygienist in general dental practice: £250
Dental Emergencies
£250 per course of treatment, maximum 4 episodes (A 14 day qualifying period applies): £1,000
Dental Injuries
(A 14 day qualifying period applies): £20,000
Dental Care - Level 3
General Dental Treatment
When performed by a registered dentist or dental hygienist in general dental practice: £400
Dental Emergencies
£250 per course of treatment, maximum 4 episodes (A 14 day qualifying period applies): £1,000
Dental Injuries
(A 14 day qualifying period applies): £20,000
GP minor surgery
Comprehensive Outpatient - No
 Not covered
Comprehensive Outpatient - £500
 Consultations with a Specialist and Diagnostic Tests at £500 per annum
Comprehensive Outpatient - £1000
 Consultations with a Specialist and Diagnostic Tests at £1,000 per annum
Comprehensive Outpatient - Unlimited
 Consultations with a Specialist and Diagnostic Tests : Unlimited benefit
GP Referred Chiropody, Podiatry or Homeopathy
Comprehensive Outpatient - No
 Not covered
Comprehensive Outpatient - £500
 Therapy provides £500 benefit per person pa with Maximum of 10 sessions for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, and Speech and Language Therapy.
Comprehensive Outpatient - £1000
 Therapy provides £1000 benefit per person pa with Maximum of 10 sessions for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language Therapy.
Comprehensive Outpatient - Unlimited
 Therapy provides unlimited benefit per person pa with Maximum of 10 sessions for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, and Speech and Language Therapy
Hospice care cash benefit
£70 per day / night, max £700 per group policy year
Infertility investigations
Not covered
Maternity cash benefit
Not covered
Optional cash benefit
Cash Extras - No
 Not covered
Cash Extras - Yes
Cash benefits up to the maximum annual benefit limits shown.
Optical Treatment – £150
New Baby – £100
(A 10 month qualifying period applies) Health Screening – £200
(1 health screen every 2 years)
Out of pocket expenses
Up to £10 per night / day whilst in hospital
Overseas cover
Overseas Emergency Treatment - No
 Cover not selected
Overseas Emergency Treatment - 70 Days
When travelling abroad (for business purposes only if outside the EEA). An overall maximum of 180 days applies.
Emergency/Overseas Treatment Evacuation/Repatriation
Family Assistance 70 days per trip (35 if in the USA) – maximum £500,000
Personal & total disability benefit
Not covered
Post hospital recovery bonus
Not covered
Pregnancy
Not covered
Stress counselling helpline
An EAP in the form of 24/7 telephone support is automatically included with Enterprise Health. This has many benefits for your organisation, its employees and their family members. It can help to keep your employees engaged and productive and also help them to overcome any issues that may be limiting their ability to perform.
For more information please see our separate EAP brochure.
Transplants
Not covered
 
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