An Employee Benefits package might include a number of insurance products, including:
Insurers offering these products will usually offer a range of additional benefits or services to complement the policy and give employees some added support. These can include monetary benefits, support services, and information sources.
The best UK providers of Group Insurance products will typically offer a range of additional benefits that employees can access. Each insurer has something different to offer, but these six benefits in particular are among the most common and can make a real tangible difference to employees:
Most Group Insurance products will offer some sort of helpline to provide you with support relevant to your claim, perhaps including:
If you have taken out Group Health Insurance, these helplines will often offer basic medical advice as well and help employees make appointments for private treatments.
Typically, these helplines do not have a limit to when and how often employees can use them. Many insurers keep their helplines open 24/7 for those in need, providing a valuable outlet for your employees should they need support.
Counselling is a valuable service that can make a difference to not only employees but their families as well.
Employees covered by a Group Income Protection policy can use counselling services at any time which may help them manage existing mental health problems, for example. Some providers will extend the availability of these helplines to family members, also.
Under a Group Life policy, the families or loved ones can use grief / bereavement counselling services covered by the insurance provider.
Some insurers offer counselling services over the phone via helplines while others will put you in touch with a face-to-face counsellor and cover the cost of a limited number of counselling or CBT sessions. These can be a really valuable benefit and one may firms actively pay for on a standalone basis.
head of Employee Benefits at Drewberry
Group Life Insurance is one of the most common employee benefits offered thanks to its low cost and high employee appreciation levels.
Losing a loved one is a terrible experience and not every family is prepared to tackle all that comes afterwards, including the legal processes involved.
To offer greater support to the families of employees covered by a Death in Service policy, most of the top UK insurance providers offer Probate Support. This service, usually accompanied by bereavement support services, will consult and help families though the necessary processes after the death of a loved one. This can include:
Probate support will help families sort out through all of the practical issues that come after a loved one’s death. The service can assist with issues ranging from tax and legal advice to the settlement of outstanding debts, saving families unnecessary stress.
To help employees get back to work sooner, many Group Income Protection schemes will typically offer certain rehabilitation services. This can include access to:
These services aren’t exclusively to help employees get back to work – they can also be used to prevent absences in the first place.
Consultants that make up part of the service can help employees and employers find solutions and strategies to help employees manage health conditions without needing to take leave from work.
They can also advise employers on changes that can be made to the workplace and working policies that promote a culture of supporting employees and better understanding their health problems.
Rehab services are valuable for preventing absences as well as helping employees return to work. They also make it easier and less daunting for employees to stay in touch with their employers while absent and communicate their needs.
Virtual GP services include apps, websites and helplines that put you in touch with medical professionals.
These GP services provide you with fast consultations and referrals, as well as private prescriptions. Virtual GP services can also be used to refer employees for certain therapies that are covered by the policy, such as physiotherapy.
These types of services where you can get easy and fast access to a medical professional are useful for employees covered under most types of group insurance.
With Income Protection, a virtual GP can be used to help employees better manage their health and avoid absences. Under a Group Health policy, a virtual doctor can be used to speed up the process leading up to a diagnosis and guide them through their aftercare.
The most popular way to deliver virtual GP services is via an app that employees will be able to download and easily manage through their phone.
Many insurance providers offer with their cover a special service that allows employees to get a second medical opinion if they are diagnosed with a serious health condition.
Employees can get in touch with medical professionals and be put in touch with an expert relevant to their diagnosed condition if they want a second opinion from another clinician on their prognosis and how to manage their condition.
These services will usually offer a multitude of educational resources that employees can access to learn more about different health conditions and how they are treated.
Second Opinion Services aren’t just limited to Group Health Insurance. Getting medical advice from an expert is valuable for employees covered under any type of protection insurance and so these services are offered widely across the UK insurance market.
Many employers purchasing group insurance policies for their employees don’t even consider or know about the additional benefits offered with the policy. This means that a lot of employees miss out on these valuable services when they’re there for the taking and totally free with your cover.
Head of Employee Benefits Advice at Drewberry