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Company Health Essentials

Company Health Essentials

Company Health Essentials comprises of two low cost alternative products to standard health insurance.

Company Cancer Essentials – provides an up front cash benefit and access to drugs recommended by but not funded by the NHS as well as ongoing support throughout your treatment.

Company Physio Essentials – our 3 step process that aims to get employees back on their feet fast. This product provides access to physiotherapy and self-management plans that can fit around an employee’s busy life.

We came up with Essentials to plug a gap in the health insurance market. We wanted to create a product that employers can support all employees not just those at the very top of the business. By having Company Essentials as part of their benefit package they can become a more desirable company to work for but also protect themselves from lengthy employee absences.

Essentials products require no underwriting meaning they are very easy to set up providing a lower cost, affordable product for your business.

Want to know more? Click one of the pods below.

WC02355 03/2017

Company Cancer Essentials

Company Cancer Essentials is currently only available to company paid or company paid flex schemes insuring 250+ lives or more, or Employee paid flex schemes where the product is offered to 2,500 lives or more.

It’s important to fully understand this product’s details as this will help you conduct a compliant sale. Full details of cover options and exclusions are listed in the product's brochure.

Company Cancer Essentials ‐ Brochure(PDF 658KB)

The diagnosis and treatment of cancer can prove a difficult time for members and their families. It’s important that beneficial medical advice is readily available before, during and after treatment, as well as access to the necessary drugs – sadly this is not always available under the NHS.

Our Company Cancer Essentials product provides crucial financial and emotional support to employees, should they be diagnosed with cancer.

Video transcript

Cancer Health Essentials

What are Aviva Health Essentials? Cancer Essentials

The UK population is on the increase, and the NHS is treating more people but under heavy financial pressure.

So at Aviva we’ve been thinking why don’t we develop products which support, complement and supplement the care you receive from the NHS? making the products simple to understand, relevant to everyone and affordable. The NHS is a fantastic service which we all love it just sometimes needs a bit of extra help.

And this is why we have created Aviva Health Essentials, our new range of innovative Health offers.

What does Cancer Health Essentials offer?

The cost and development of new Cancer drugs can be very expensive.

And because the NHS does not have limitless amounts of money, it sometimes has to decline to offer these treatments.

So, we thought why not create a product which gives people cover for this eventuality?

Cancer Essentials will pay up to £100,000 if an NHS consultant cancer specialist recommends a drug for a patient which the NHS is unable to fund.

Cancer Research UK states that 1 in 2 people born after 1960 are at risk of being diagnosed with cancer in their lifetime.

We understand the worries that you and your family will have if you’re diagnosed with cancer.

And we will give you £5,000 to help you cope financially whilst having treatment.

You and your family will also be provided with support from a team of personal nurse advisors, who’ll be on hand to provide practical advice about your diagnosis and treatment.

We also offer unlimited use of a confidential GP helpline, available 24 hours a day, 7 days a week.

Because the cover is focused on where it is needed, supplementing rather than replacing NHS care, we can keep the costs very low.

Cancer Essentials is available to people aged between 18 and 70.

Cancer Essentials, making private healthcare more accessible in the UK.

What’s covered?

Cancer essentials will give employees:

  • £5,000 cash benefit when diagnosed with cancer
  • Up to £100,000 for cancer drugs recommended by but not funded by the NHS
  • unlimited use of a confidential GP helpline. which is open 24 hours a day, 7 days a week. 365 days a year
  • Cancer – helpline – phone based practical advice and support for members and their families.
What’s not covered?
  • pre-existing cancer
  • Non melanoma skin cancer unless it has spread to lymph nodes or organs
  • Prostate cancer (unless active treatment is recommended by an NHS specialist)
How much does it cost?

For company paid policies including those provided through flex systems of 250 lives or more.

The base price will be flat rated based on experience and paid per capita, and as such each policy will have different rate.

For Flex schemes – using salary deduction for 2,500 lives

For flex schemes the individual employee (and dependent spouses, should the company allow this) will determine whether they wish to take out the offer on a set date per annum, or when they join the company.

Eligibility

Employees are not eligible for cover if at the time of joining the policy the employee has been:

  • diagnosed with, treated for or suffered with cancer

For employee paid flex schemes the following will also apply, if the employee has been:

  • awaiting any tests or the medical results from tests that have already been undertaken or were aware of any symptoms when they joined the scheme, for example an unexplained lump or a new or abnormal mole
  • placed by their GP or any other medical professional, on a health screening or review programme because they are considered to be a higher risk of developing cancer. Or had been advised by their GP or other medical professional to join such a scheme.

    For the avoidance of doubt this does not include any routine cancer screening programme provided for the general population based on age, rather than their own medical history. For example breast screening or prostate screening programmes.

If any of these were true when they joined the policy, then they will be ineligible for benefit. It is important this is explained to the employees at the point of offer, and they are informed that they should opt out of this scheme, if it is a company paid policy or they should not select cover if it is a flex scheme, to avoid a P11D benefit charge for benefit they cannot claim.

The eligibility questions will not apply again unless a member has left the policy and wants to join again.

Making a claim

To make a claim for cancer cash benefit, employees will need to phone the claims helpline. We will provide the employee with a claim form which the employee's GP will need to complete.

Once we have received the claim form, we’ll review the claims and, if accepted, we’ll pay the benefit directly to the employee. We’ll also provide the phone number of the cancer helpline at that time.

To make a claim for cancer drugs an employee will need to call the helpline. We'll ask them to provide us with:

  • a letter from their specialist that describes the recommended drug treatment in detail and confirms that it's appropriate
  • a letter from their local commissioning body that clearly rejects the recommended drug treatment on financial grounds, and
  • an estimate from their local NHS trust for the cost of the recommended drug treatment on a self‐pay basis.

We'll review the claim and if eligible, we'll work closely with their NHS provider to arrange payment for their cancer drugs so that the member can focus on treatment and recovery.

WC02356 04/2017

Company Physio Essentials

Only available for company paid schemes covering 250+ lives, and for flex schemes where the employee is paying through salary sacrifice will only cover schemes were the potential eligible lives are 2,500+

Company Physio essentials is our low cost option for employers who are worried about the long and short term health of their employees. Company Physio Essentials offer employees access to a physiotherapist and exercise programmes which fit around their lives meaning they get better, faster.

*corporate paid schemes not affected by 30 day claim restriction

It’s important to fully understand this product’s details as this will help you conduct a compliant sale. Full details of cover options and exclusions are listed in the product's brochure.

Company Physio Essentials ‐ Brochure(PDF 695KB)

We want to be there to support members through difficult times by offering flexible health cover. Our Physio Essentials product supports, guides and aims to help restore your employees’ body movement, after an injury or illness.

Video transcript

Physio Health Essentials

What are Aviva Health Essentials? Physio Essentials

The UK population is on the increase, and the NHS is treating more people but sometimes it needs a bit of extra help.

At Aviva we’ve been developing products to support, complement and supplement the care you receive from the NHS, which are simple to understand and affordable.

Welcome to Aviva Health Essentials, our new range of innovative health products.

Muscle and joint aches and pains can affect anyone; our Physio Essentials gives you speedy access to physiotherapy when you need it.

So how does Physio Essentials work?

John is 25 and loves going for a jog with his dog Sally. Recently John has found his ankles hurting a bit after his run. Through his Physio Essentials policy John is able to arrange a telephone appointment online to speak to one of the qualified physiotherapists from our physiotherapy provider.

The physiotherapist calls John and they discuss his problem. All physiotherapists have a minimum of 5 years experience.

By the end of the call the physio determines the most appropriate course of action. You cannot claim within the first 30 days of taking out a policy.

John is recommended a couple of face-to-face physiotherapy sessions, with a choice of appointments near his work or home. You are entitled to up to 5 telephone appointments each policy year.

John also receives an email with a link to his own personal site where he could read up on his condition and watch videos for the various exercises he needed to do.

Within a couple of days John was seeing his physiotherapist, with his Physio Essentials policy covering the cost of all of his treatment.

And when John had to work away from home, he could even download an app that included his exercise videos and a handy feature that would send him calendar reminders of when to do them.

What happens with smaller injuries, when face to face Physio isn’t required?

If John’s physio decided that his ankle problems were minor and would mend themselves with some rest and exercises that he could do at home, John would receive a video exercise plan which could be accessed through his own personal site. And his physio would keep in touch by phone to check on progress.

What happens if Physio isn’t enough?

If John’s condition couldn’t be treated with physiotherapy alone, his physio would provide a full assessment by email for him to take to his GP.

Physio Essentials, helping you to restore body movement after an injury or illness.

What’s covered?

Company Physio Essentials offers employees a simple three step process that aims to get them back on their feet.

This service can be used for 5 musculoskeletal conditions per year.

Step 1

If an employee becomes ill or gets injured, and requires support to restore muscle and joint movement, they can simply book a telephone clinical assessment (TCA) online. Physio Essentials cover provides a up to a maximum of 5 TCA calls per policy year.

Step 2

They will be contacted by a qualified clinician to discuss their symptoms and assess the severity of their condition.

Step 3

Depending on the outcome of your employee’s assessment, and their clinical need, the physiotherapist will offer either:

  • an online personalised programme of exercises to complete, supported by videos, as well as emails with further information and guidance to help ease symptoms.

    They’ll also receive follow up calls to check on their progress.
  • or, they’ll be given access to the network of physiotherapists to book a treatment session in their local area for a physiotherapist to assess their symptoms face to face.

    If further face to face physiotherapy is appropriate, they’ll recommend the appropriate number of sessions to help resolve your employees’ symptoms.
  • If the clinician believes the employee's condition can't be managed by physiotherapy, they will provide the employee with details of their assessment that the employee can take to their GP, who may then arrange for them to see a specialist.

Physio Essentials cover also provides:

  • unlimited use of a confidential GP helpline, which is open 24 hours a day, 7 days a week, 365 days a year.
  • access to an exclusive online portal, providing information to encourage and support good back, neck, muscle and joint health.
What’s not covered?

Employees will not be able to apply for a telephone clinical assessment with a physiotherapist during the first 30 days after they have joined the policy. This restriction does not affect corporate paid policies.

  • Domiciliary physiotherapy - that is face to face treatment by a physiotherapist in an employee's home
  • Exercise equipment and appliances - recommended by your physiotherapist, for example orthotics, TENS machines or exercise equipment
How much does it cost?

For company paid policies of 250+ lives or more.

The base price will be flat rated based on experience and paid per capita, and as such each policy will have different rate.

For Flex schemes – using salary deduction for 2,500+ eligible lives

For flex schemes the individual employee (and dependent spouses, should the company allow this) will determine whether they wish to take out the offer on a set date per annum, or when they join the company.

Underwriting

Company Physio Essentials has no specific underwriting criteria.

Making a claim

To make a claim, employees can simply call us. We’ll review the claim and, if the employee hasn’t used all of their telephone clinical assessments for the policy year, we’ll confirm by email and provide them with access to the online booking portal to arrange their assessment.

A telephone clinical assessment (TCA) is a consultation with a fully qualified physiotherapist from our physiotherapy provider. They’ll review any musculoskeletal problem and recommend the most appropriate course of treatment, which could include virtual or face to face physiotherapy.

Each TCA call can only cover one condition or set of symptoms. If the employee needs to discuss musculoskeletal symptoms affecting different parts of their body, for example the knee and the elbow, they’ll need to book a separate TCA for each condition or set of symptoms.

WC02357 04/2017

Can we help you?

Call the team on

0800 014 272

or email them at

ncnd@aviva.com

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Health Insurance Company of the Year (8 years running)