{"id":4068,"date":"2025-09-23T08:31:19","date_gmt":"2025-09-23T07:31:19","guid":{"rendered":"https:\/\/www.drewberryinsurance.co.uk\/my\/support\/?post_type=article&#038;p=4068"},"modified":"2025-09-23T08:31:19","modified_gmt":"2025-09-23T07:31:19","slug":"how-to-manage-pmi-excess-cover-in-your-health-cash-plan","status":"publish","type":"article","link":"https:\/\/www.drewberryinsurance.co.uk\/my\/support\/article\/how-to-manage-pmi-excess-cover-in-your-health-cash-plan\/","title":{"rendered":"How to Manage PMI Excess Cover in Your Health Cash Plan"},"content":{"rendered":"<p><strong>My.Drewberry\u2019s PMI Excess Cover settings put you in full control of who receives excess cover through their Health Cash Plan, and who doesn\u2019t.<\/strong><\/p>\n<hr \/>\n<p><strong>See it in action<\/strong> \ud83d\udc47<\/p>\n<div style=\"position: relative; width: 80%; height: 0; padding-top: 40%; padding-bottom: 0; box-shadow: 0 2px 8px 0 rgba(63,69,81,0.16); margin-top: 1.6em; margin-bottom: 0.9em; overflow: hidden; border-radius: 8px; will-change: transform;\"><iframe style=\"position: absolute; width: 100%; height: 100%; top: 0; left: 0; border: none; padding: 0; margin: 0;\" src=\"https:\/\/www.canva.com\/design\/DAGt_K-5gVQ\/kR_kPTZlv2zOKXSqgvzLQQ\/watch?embed\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><br \/>\n<\/iframe><\/div>\n<h2>What Is PMI Excess Cover?<\/h2>\n<div>\n<p>Not all employees have Private Medical Insurance (PMI) \u2014 and not everyone needs excess cover through their Health Cash Plan. This feature allows you to decide which employees can use their cash plan to reclaim the PMI excess they\u2019ve paid, and which employees shouldn\u2019t have this included.<\/p>\n<p>It\u2019s a simple way to tailor cover based on eligibility, reduce unnecessary costs, and keep your scheme accurate, fair, and fully aligned with your benefits policy.<\/p>\n<h2>How Does PMI Excess Work?<\/h2>\n<div data-node-type=\"nestedExpand\" data-title=\"Video Script\" data-expanded=\"true\" data-prosemirror-content-type=\"node\" data-prosemirror-node-name=\"nestedExpand\" data-prosemirror-node-block=\"true\" data-pm-slice=\"2 2 [&quot;expand&quot;,{&quot;title&quot;:&quot;PMI Excess&quot;,&quot;__expanded&quot;:true}]\">\n<p data-prosemirror-content-type=\"node\" data-prosemirror-node-name=\"paragraph\" data-prosemirror-node-block=\"true\">To update an employee\u2019s PMI excess cover, head to the Health Cash Plan tab in your Admin Centre. Click the &#8216;<strong>Avatar&#8217; <\/strong>icon in the top-right corner of your dashboard, then select <strong>&#8216;Admin<\/strong>&#8216;\u00a0from the menu.<\/p>\n<p data-prosemirror-content-type=\"node\" data-prosemirror-node-name=\"paragraph\" data-prosemirror-node-block=\"true\"><img class=\"alignnone wp-image-3994 size-large\" data-original=\"https:\/\/www.drewberryinsurance.co.uk\/my\/support\/wp-content\/uploads\/2025\/07\/Analytics-Screenshot-1-1024x640.png\" alt=\"\" width=\"699\" height=\"437\" \/><\/p>\n<p data-prosemirror-content-type=\"node\" data-prosemirror-node-name=\"paragraph\" data-prosemirror-node-block=\"true\">Once in the admin centre, go to the <strong>&#8216;Benefits&#8217;<\/strong> tab.<\/p>\n<p data-prosemirror-content-type=\"node\" data-prosemirror-node-name=\"paragraph\" data-prosemirror-node-block=\"true\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4016 \" 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515w\" sizes=\"auto, (max-width: 696px) 100vw, 696px\" \/><\/p>\n<p data-prosemirror-content-type=\"node\" data-prosemirror-node-name=\"paragraph\" data-prosemirror-node-block=\"true\">Expand the relevant task by hitting the drop down arrow which is at the bottom of the task. 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515w\" sizes=\"auto, (max-width: 669px) 100vw, 669px\" \/><\/p>\n<h3>Manually Creating A Benefit Selection<\/h3>\n<p data-start=\"80\" data-end=\"395\">If a benefit selection hasn\u2019t been created automatically, for example, if the employee isn&#8217;t a new joiner and their policy just needs updating, you can easily create one manually. Just scroll to the employee\u2019s &#8216;<strong data-start=\"268\" data-end=\"290\">Current Membership&#8217;<\/strong>, click &#8216;<strong data-start=\"298\" data-end=\"308\" data-is-only-node=\"\">Create&#8217;<\/strong>, and follow the steps to set up a new selection with the appropriate level of cover. Need a refresher on how to do this? <a class=\"\" href=\"http:\/\/drewberryinsurance.co.uk\/my\/support\/article\/creating-a-new-benefit-selection\/\" rel=\"noopener\" data-start=\"433\" data-end=\"474\" data-is-last-node=\"\">Click here for a step-by-step guide.<\/a><\/p>\n<h2 data-prosemirror-content-type=\"node\" data-prosemirror-node-name=\"paragraph\" data-prosemirror-node-block=\"true\">Approve Your Selection<\/h2>\n<p data-prosemirror-content-type=\"node\" data-prosemirror-node-name=\"paragraph\" data-prosemirror-node-block=\"true\">Once you&#8217;re happy with the selection, just hit &#8216;<strong data-prosemirror-content-type=\"mark\" data-prosemirror-mark-name=\"strong\">Approve&#8217;<\/strong>. The platform will automatically send an update to the provider to ensure cover is applied correctly.<\/p>\n<\/div>\n<p data-prosemirror-content-type=\"node\" data-prosemirror-node-name=\"paragraph\" data-prosemirror-node-block=\"true\">Because the PMI Excess option appears directly within the selection process, it\u2019s quick and easy to tailor benefits to each employee\u2019s needs, based on whether they have PMI or not.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>My.Drewberry\u2019s PMI Excess Cover settings put you in full control of who receives excess cover through their Health Cash Plan, and who doesn\u2019t. See it in action \ud83d\udc47 \ufeff\ufeff\ufeff\ufeff\ufeff\ufeff What Is PMI Excess Cover? Not all employees have Private Medical Insurance (PMI) \u2014 and not everyone needs excess cover through their Health Cash Plan. This &#8230;<\/p>\n","protected":false},"author":3,"featured_media":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","format":"standard","article-category":[45],"article-tag":[],"class_list":["post-4068","article","type-article","status-publish","format-standard","hentry","article-category-benefit-administration"],"_links":{"self":[{"href":"https:\/\/www.drewberryinsurance.co.uk\/my\/support\/wp-json\/wp\/v2\/article\/4068","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.drewberryinsurance.co.uk\/my\/support\/wp-json\/wp\/v2\/article"}],"about":[{"href":"https:\/\/www.drewberryinsurance.co.uk\/my\/support\/wp-json\/wp\/v2\/types\/article"}],"author":[{"embeddable":true,"href":"https:\/\/www.drewberryinsurance.co.uk\/my\/support\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.drewberryinsurance.co.uk\/my\/support\/wp-json\/wp\/v2\/comments?post=4068"}],"version-history":[{"count":1,"href":"https:\/\/www.drewberryinsurance.co.uk\/my\/support\/wp-json\/wp\/v2\/article\/4068\/revisions"}],"predecessor-version":[{"id":4070,"href":"https:\/\/www.drewberryinsurance.co.uk\/my\/support\/wp-json\/wp\/v2\/article\/4068\/revisions\/4070"}],"wp:attachment":[{"href":"https:\/\/www.drewberryinsurance.co.uk\/my\/support\/wp-json\/wp\/v2\/media?parent=4068"}],"wp:term":[{"taxonomy":"article-category","embeddable":true,"href":"https:\/\/www.drewberryinsurance.co.uk\/my\/support\/wp-json\/wp\/v2\/article-category?post=4068"},{"taxonomy":"article-tag","embeddable":true,"href":"https:\/\/www.drewberryinsurance.co.uk\/my\/support\/wp-json\/wp\/v2\/article-tag?post=4068"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}