Helping you build a stronger, healthier business. Business Health Select Private healthcare cover for small and medium-sized businesses

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1 Helping you build a stronger, healthier business Business Health Select Private healthcare cover for small and medium-sized businesses Start

2 Building a business takes hard work, dedication and focus. But, without a healthy and productive team to support you, success can begin to feel less stable. At AXA PPP healthcare, we understand that your people are the foundations of your success. That s why we re here for them when they need us most, supporting them with healthcare cover that s built around their needs and yours. From talking to business owners, we know that valuefor-money matters. That s why we ve made it easy for you to construct a plan that gives you what you need for your budget without compromising quality of service, convenience and support. And we know that, more than anything, it s your passion for your business that drives you. That s why we help you take care of your staff so you can focus on making your business thrive. Welcome to AXA PPP healthcare. We cover 37,000+ small and medium-sized businesses and 258,000+ employees. We believe the health and wellbeing of Chamber members and their employees is critical to business success. That s why we re proud to have been working in association with AXA PPP healthcare for the last 10 years. DAVID RICHES, Executive Director, British Chambers of Commerce

3 What s inside Select section heading to jump to that section.

4 The benefits for your business Building the right plan Managing the costs Our medical services and expertise How we support you and your team A closer look at your cover The benefits for your business When you ve got bold plans for your business, you need the right talent to help you realise them. Healthcare cover can help you attract the best people to your growing business. And it can make it easier for you to keep them. With Business Health Select cover, you ll show your employees that you really value what they do for you. That you re ready to invest in their health and wellbeing and in getting them back on their feet again if they become unwell. From the IT expert upstairs who keeps every member of your team up and running, to the indispensable office manager who gets things done, they ll know that their loyalty, dedication and willingness to go the extra mile really make a difference to your shared success. If you have people you can t do without and you want to keep them happy at work, it really makes sense. DEBRA HIGGS, Whitley Simpson Chartered Accountants and Business Advisers Healthcare cover as unique as your business Less time out of action for you and your employees You run a tech start-up, so you might not worry about staff absences because of physical injury at work. But if the people who work at your IT hardwaresupply company are lifting heavy machinery or working with equipment, cover for therapies like physio might be top of your list. In a small business, one person being off for a long time can have a big impact. Without someone else to pick up the work it can be hard for you and your team to keep to the commitments you ve made. And that can increase the pressure on everyone. With Business Health Select, you can choose the healthcare cover options that most fit your needs and not pay for the ones that don t. 4 We ll help your employees get the care they need. They ll be seen quickly by experts and, if they need an operation, it ll be booked in speedily so you can plan around it. Physio to ease the pressure A sprained ankle from the Sunday game. Posture discomfort. Backache that won t settle down. Problems with bones, joints and muscles are among the most common reasons for needing time off work. When pain strikes, your employees can get a phone appointment with a physio to assess their symptoms and discuss next steps. They won t need to wait to see a GP to refer them.

5 They could skip the wait With your employees can get a 20-minute video or phone consultation with a GP whenever they want and wherever they are at 10pm*, before work, in their lunch break. There s no need for them to wait around until the next morning or longer for an appointment at their local practice. Doctor@ Hand is delivered by Doctor Care Anywhere and comes as part of the Extended Cover option. They ll be seen and treated quickly, wherever they are A specialist appointment can mean a whole day lost if your employee has to travel a long way. We work with over 17,000 specialists and practitioners across the UK. If your employee s GP recommends they see a specialist, our Fast Track Appointments team will make sure they re matched with a consultant-level expert at a place and a time that suits them. Often within a couple of working days. Answers online, and on the end of the line Everyone wants answers they can trust. With AXA PPP healthcare membership, your staff won t need to waste time wading through the web for answers. Our online health centres take them straight to the health information they need. If they d rather speak to someone, our experienced Health at Hand experts are just a phone call away, 24/7, ready to answer their questions. Cancer and heart care Cancer and heart conditions touch everyone. So if one of your employees is affected, your whole team is. Our experienced nurses make sure no one has to find their way on their own. They know all about side effects, medication and the way your employee might be feeling. They re there for them at the end of the phone, 24 hours a day every day of the year. And they re there for family and colleagues, too. Guiding everyone through how to talk about cancer and heart conditions, what to expect and how to be supportive. Keeping your team fit, well and working With Business Health Select cover, you ll reward your people for putting their health first. From 50% off an annual membership at PureGym to money off Nuffield preventative health assessments. From discounted Realise lifestyle diagnostic testing to deals on everything from spa days to sportswear at Active +, our online health and wellness shop. And it may cost less than you think Because you get to choose the options you pay for and how you pay for them for many of our small and medium-sized business members (and we re proud to say that there are 258,000 of you), subscriptions can be less than you might expect. 28,436 It can cost quite a bit to find a new employee. In 2016, the average cost of replacing a member of staff was 28,436, based on recruitment costs, training time and lost productivity. 1 *Appointments are subject to availability. 1 Source: online survey of 507 SME senior-decision-makers in September 2016 by market-research agency Atomik on behalf of AXA PPP healthcare. 5

6 Building the right plan Private healthcare cover tailored to your business and budget. That s what Business Health Select is all about. Just add the options you d like to the core cover. Then manage your costs to get the subscription that suits you. If you re covering more than 15 employees, you can offer different levels of cover to different team members, too. I chose AXA PPP healthcare because of the level of cover we get for the price and from a well-known brand that s linked to the Chamber of Commerce. TONY HARRISON, Head of Sales and Marketing at Move Vehicle Leasing, AXA PPP healthcare member since

7 1 The core plan 2 Healthcare cover options Add the options that are right for the business you re in and for your employees who keep you in business. Out-patient options Choose from: Standard Enhanced Full Cover options Add any of these: Therapies Mental Health Extra Care Extended Cover Extra Cancer Cover Employee Assistance Programmes Dentist and Optician Cashback Travel Cover When there are six or more of you You can create a plan that provides different levels of cover for different employees, such as more cover for management teams and key staff. When family matters 3 Manage the costs Tailor the ways you pay to make it even more affordable. Your employees can add family members to get healthcare cover at business rates. Because if they matter to them, they matter to you. Excess Six-week option Ways to pay Two-year fix When you need a hand We re here to help. Call us on

8 Managing the costs Investing for the future while keeping an eye on your bottom line. It s what makes you good at business. Here are some other ways you can manage your subscriptions. Pay up-front A simple way to save 5%. Pay your subscription yearly instead of monthly. Select the Six-week option If your employee can get eligible treatment on the NHS within six weeks of when it should take place, they will be treated by the NHS. If they need to wait more than six weeks, they go private straight away. You ll save up to 20% a year and you ll still get your staff back to work quickly. Fix your subscription for two years Feel reassured that you ll know exactly how much you ll be investing in each employee for a couple of years. Tax changes may still apply. Choose an excess Reduce your annual subscription with an excess of 100, 250 or 500 per employee. 8

9 Choose your underwriting options You can also decide how you ll cover your team members for any conditions they might have before joining us. These underwriting options will affect the cost of your plan in different ways. Fully underwritten Your employees get the private healthcare cover that means so much to them, but any pre-existing medical conditions they have aren t covered. Two-year moratorium We take care of new health concerns that begin while your employees are with us. We ll then cover any preexisting medical conditions they have after two years, if they ve been completely trouble free from advice, treatment or a special diet for a year. Continued medical exclusions If you re coming from another provider, you can lift and shift any underwriting arrangements you ve had with your previous health insurer across to your new plan. The new terms and conditions for your plan will apply. Medical history disregarded We cover your employees for preexisting medical conditions, subject to your membership terms. Available if you re looking to cover 15 people or more. What can affordable healthcare cover look like? We ve put together some examples to show you how flexible your cover and costs can be. We ve based our fictional businesses in Guildford, Surrey. Each has six employees aged 25, 30, 35, 40, 45 and 50. They pay yearly, have core cover and Extra Cancer Cover as standard. Plus an excess of 100 and a two-year moratorium. Plan costs are representative as of December And prices will vary depending on location, cover options and ages. A. L. Green Associates When an employee is off sick, the pressure is on at this small but growing consultancy. Each chartered surveyor travels out to their clients, and it can be a real challenge for other members of the team to pick up a colleague s work during unplanned absences. To help their staff get back on the road to recovery quickly, each member has two out-patient consultations a year included in their plan on top of their core cover. They ve also selected the Six-week option, which has helped to keep costs down. Your cost: a week equivalent to 4.63 per employee James Hall Family Law With long hours and difficult cases a given, stress is a real concern for solicitors at this law firm. To help everyone stay well and keep doing work they re proud of, the company has included the Mental Health option with their cover. They re also helping to reduce the risk of long-term absences by offering confidential support and counselling through an Employee Assistance Programme (EAP), so everyone has a safe space to offload. Tailored healthcare cover like this shows the employees who work here that the effort they put in to their work is really valued. And it helps the business better prevent the knock-on effects of stress on a close-knit team. Your cost: a week equivalent to 5.52 per employee 9

10 Our medical services and expertise Arranging treatment and paying for it is important. But so is how well you and your team are looked after when they need care. Our professionalism and medical expertise really make a difference to you and your people when and where it matters. We ll get your employees the speedy diagnosis and treatment they need to get back to work quickly. And we ll make use of the reach and resources we have to be there for them. It s all part of our core service. An appointment near home. Or a check-up close to work so you can spend less time away from the office. We have access to a network of over 23,000 specialists, so whatever works best, we ll arrange it. 10

11 When they need to see a medical specialist quickly When they need someone to support them through cancer When they want to ease the pressure with physio When they need dedicated support through heart conditions Saving time is vital for your employee s health and for your business. So if a member of your team falls ill we ll help them get the right treatment quickly. All they need to do is ask their GP for an open referral (a referral that doesn t name a particular specialist), then give us a call. Our Fast Track Appointments team will find an appropriate specialist. They ll make sure that the appointment is at a time and place that minimises time out for your employee, meaning less disruption for your business. On average, our members are seen twice as fast this way *, getting them back on the road to recovery sooner. If someone in your team is diagnosed with cancer, our experienced cancer team will be just a phone call away to talk to. They ll take the time to get to know your employee, understand their condition and listen to what they re going through. They ll explain treatment choices and provide information on everything from eating well during chemotherapy to coping at home after surgery. And they ll answer any questions your employee or their loved ones have, whenever they have them. We ll help you be a supportive employer, too. If you need help with talking about cancer to your team, we can guide you. And we ll talk you through how your employee might need time off for appointments, treatment and recovery, and how they might feel when they return to work. If one of your employees wakes up with a bad back, trying to push through a day at work can be tough. And it could lead to more problems and absences in the weeks to come. That s why our Working Body physiotherapists are on the end of the line to help your people manage or alleviate pain. They ll assess your employee s symptoms over the phone, and talk to them about what they could mean. If they think exercise could ease their pain, they ll recommend some they can try at home or even at work. It might be a 20-minute call your employee makes in the morning or even a chat they can fit in at lunchtime but Working Body might be just what they need to get moving again. If someone in your team needs long-term treatment for something like coronary heart disease, or help managing a condition like high blood pressure, they can call our dedicated heart nurses for support. Our experienced nurses specialise in cardiac cases. They ve got the time to talk about what s involved in bypass surgery. They can answer questions about living and working with a heart condition. And they ll understand if it s just a call to relieve stress levels. They ll support your employee from the very beginning, throughout their treatment, and they ll check in even when they re better million working days About 30.8 million working days were lost in 2016 due to workrelated back pain and other musculoskeletal disorders. 2 Mon Tues Wed Thurs Fri 2 Source: Office for National Statistics, March 2017 *Compared with members whose GPs have referred them to a named private specialist (2016 Fast Track Appointments service data, recorded from the date the member called our Personal Advisory team). 11

12 How we support you and your team It s our calling to care for you and your team, and to be there when you need us most. We re here to help you over the phone, so you don t have to clear your day when you want to speak to us. Support for you Your time is important to you, so it s important to us. As your business grows, we ll help make sure the time you spend looking after your team s health doesn t grow with it. Experts who know how busy you are When you need to call us about your plan, you ll get straight through to an account manager from our small-business team (8.30am to 5.30pm). Paperwork without the work Your company membership information is always to hand on our secure portal. Log in to see your plan, or to check documents like your group secretary guide, your membership handbook, our Directory of Hospitals and more. Never miss a small-business insight Find the latest insights and information about keeping your employees (and your business) healthy at our online hub for SMEs at axappphealthcare.co.uk/ smallbusinessinsight While you re there, sign up to get our monthly small-business e-bulletin straight to your inbox. 12

13 Support for your team Your people are one of your greatest assets. Our healthcare cover actively takes away some of the duty of care that comes with your commitment to their health. No need to go through you Their private healthcare cover is all set up. We ll send them a series of s in their first year telling them about their benefits, our services and how to get in touch with us. We ll also point them towards their secure Member Online portal. Whether it s a health issue that s troubling them, a detail on their plan, the progress of a claim they want to check they ll find the support and information they re looking for. Pre-authorisation to simplify claims Surgery to fix a bad knee. Physio to ease their aches and pains. A diagnostic MRI scan that could put their mind at ease. If your employees are planning to claim, we ask them to check with us first. Our expert personal advisers can confirm the cover that s available straight away. So you and your employees will know they re covered before treatment, saving time down the line. Expert help, any time of the day We re medical experts and we re here to support your team. If someone has a health worry whether it s a question about medication or a niggling cough they just need to pick up the phone to us at Health at Hand. They ll be able to discuss their symptoms with a nurse, check their medication with a pharmacist, talk to a counsellor about how they re feeling, or ask a midwife about their pregnancy. The faster it s sorted, the sooner they ll feel better and be back at work. Nurses and counsellor helpline open 24/7 Midwives and pharmacists available 8am to 8pm, Monday to Friday 8am to 4pm, Saturday 8am to 12pm, Sunday When they want a second opinion If a member of your team is unhappy with a diagnosis and you ve chosen an out-patient option as part of your plan we can arrange for another specialist to go through everything with them. They ll either confirm what the doctor has said or suggest a different course of action, helping to put their mind at ease. When they want to live a healthier life It s not just about support in illhealth. With AXA PPP healthcare cover, you can encourage your team to feel healthier every day helping to keep your business productive. They ll be able to get 50% off an annual membership at PureGym* or enjoy discounts at Nuffield and British Military Fitness gyms. They can get discounts on vitamins, supplements and sports equipment at our online health and wellness shop, Active +. And they can take advantage of deals on health tech from smart scales that analyse BMI to wristbands that monitor blood pressure. *Terms and conditions apply axappphealthcare.co.uk/puregymterms 13

14 A closer look at your cover Getting good care. Feeling supported. Being seen by a specialist sooner. Ask your employees what private healthcare cover means to them and they re likely to describe it in terms like this. At AXA PPP healthcare, we include all the benefits your employees would expect from their healthcare cover as part of their core plan plus incentives to support their health and wellbeing for as long as they re with us. Add your choice of cover options and you ll have just the plan for your business and your budget. Anyone who has claimed has been very positive about the care they ve received, and the speed of getting appointments and being seen. KAREN STEWART, HR & Office Administrator, Wacker Neuson 14

15 Your core plan Here s a summary of the benefits that are included for everyone on your plan, whether or not you add any options. Core benefits In-patients and day-patients Diagnostic tests, operating-theatre costs, drugs and dressings, radiotherapy, chemotherapy, and surgical appliances at private hospitals and day-patient units Specialist fees for surgeons, anaesthetists and physicians Hospital accommodation for one parent while their child under 16 is receiving eligible treatment Hotel accommodation for one parent while their child under 16 is receiving eligible treatment Out-patients Surgery CT, MRI or PET scans after referral by a specialist Everyone Ambulance transport to another medical facility if you re receiving private in-patient or day-patient treatment Cash payment if you have out-patient or day-patient chemotherapy or radiotherapy free on the NHS Health at Hand and online health centres* Access to wellbeing incentives *See opening times on page 13 What we pay Paid in full, as long as you use a hospital or day-patient unit in our Directory of Hospitals No yearly limit Paid in full Up to 100 per night, up to 500 a year No yearly limit as long as you use a hospital or day-patient unit in our Directory of Hospitals Paid in full at a scanning centre, or a hospital listed as a scanning centre, in our Directory of Hospitals Paid in full 50 a day up to 2,000 a year Direct telephone and online access to healthcare experts for members 24/7 Including discounted gym offers, Active + membership, discounted health assessments, discounted diagnostic testing and more What s not covered As with most healthcare cover, there are some elements your plan doesn t cover. Here are some of the most significant exclusions: Treatment of medical conditions your employees had, or had symptoms of, before they joined, unless you ve chosen a continued medical exclusions or medical history disregarded policy Routine pregnancy and childbirth Treatment of long-term, ongoing or recurrent conditions (chronic) like diabetes or asthma Cosmetic treatment. We ll run through the key exclusions when you talk to us about the policy you d like. 15

16 Out-patient options Here are the three levels of out-patient care you can choose from to add to your core plan. What we offer Standard Specialist consultations Diagnostic tests when your specialist refers you Enhanced Specialist consultations Diagnostic tests when your specialist refers you Fees for nurses, dieticians, orthoptists and speech therapists Full Specialist consultations Diagnostic tests when your specialist refers you Fees for practitioners including nurses, dieticians, orthoptists and speech therapists What we pay Up to two consultations a year No yearly limit A combined yearly limit of 1,000 No yearly limit I think healthcare cover is one of the key benefits that any business should be offering. DAVID RICHES, Executive Director, British Chambers of Commerce 16

17 Cover options These options will help you tailor your cover to your business and the way your people work. What we offer Therapies option Fees for out-patient treatment by a therapist (physiotherapist, osteopath or chiropractor), homeopath or acupuncturist Working Body service (see page 11) Mental Health option In-patients and day-patients: Private hospital and day-patient unit fees for psychiatric treatment, including accommodation, diagnostic test and drugs Specialist fees for psychiatric treatment Out-patients: Specialist consultations for psychiatric treatment Psychiatric treatment by psychologists and cognitive behavioural therapists Extra Care option Nurse to give you chemotherapy or antibiotics by intravenous drip at home A cash payment when you have in-patient treatment free on the NHS, or treatment in an NHS intensive therapy or intensive care unit, whether it follows private treatment or not Oral surgery when your dentist has referred you Chiropody and podiatry fees so long as your chiropodist is qualified What we pay No yearly limit: n Up to an overall maximum of 10 sessions in a year when your GP refers you, or when you have therapist treatment through our Working Body team n Further sessions (as long as we agree them first) when the specialist refers you Paid in full at a hospital or day-patient unit in our Directory of Hospitals No yearly limit No yearly limit No yearly limit Paid in full 100 a night up to 2,000 a year Paid in full as long as you use a facility that we have an agreement with covering specified oral surgery Up to 150 a year 17

18 Cover options continued What we offer Extended Cover option Extra cover for treatment at any hospital, day-patient unit or scanning centre in the UK that s not listed in our Directory of Hospitals Extra cover for planned, pre-approved treatment outside of the UK Extra cover for a wider choice of fee-limited specialists Visits to a private GP for consultations Doctor@Hand consultations Dentist and Optician Cashback option Dental treatment Glasses and contact lenses to correct your vision Eye tests Travel Cover option Private medical insurance if you travel abroad for business or leisure What we pay Paid in full up to the normal daily rates published and charged by the facility Paid in full as long as the specialist doesn t charge significantly more than they usually do for that, or similar, treatment Paid in full Up to 500 a year Up to five online, video or phone consultations a year with a Doctor@Hand GP 80% of your dentist s fees, up to 400 a year 80% of the cost of prescribed glasses and contact lenses, up to 200 a year Up to 25 a year for an eye test A comprehensive range of medical and travel-related benefits. Full details provided in our Travel Insurance handbook 18

19 Extra cancer cover If you add this option, we ll provide cover for your employee s cancer no matter what path it takes. Even if it comes back, spreads or becomes terminal, so long as your employee remains a member we ll continue to cover their treatment and care. What we offer No time limits on cancer treatment while you are a member Unproven drugs if you take part in a randomised clinical trial that the appropriate ethics committee has approved, so long as we agree it first Specialist consultations with the specialist treating your cancer Diagnostic tests Donation to a hospice where you re having end-of-life care or a service providing hospice-at-home care The cost of wigs or external prostheses needed when you re having treatment to kill cancer cells What we pay No yearly limit Your stay in hospital, including specialist fees, is paid in full, not including the drugs If you are an out-patient, post-diagnosis specialist consultations are covered For in-patients or day-patients, diagnostic tests are covered. For out-patients, diagnostic tests are covered when ordered by the specialist treating your cancer Hospice or service donation of 100 a night Up to 5,000 a year for external prostheses Up to 150 a year for wigs Employee assistance programmes (EAP) A family break-up. Difficulty with depression. On-going struggles with debt. Practical problems and mental-health issues can sap staff vitality and affect business growth. So what if there were a way to sooth pain-points before they begin to hurt? With an EAP in place, your staff can get help with the things that are affecting them right from the start before they begin to influence their wellbeing and productivity. Choose from one of these. EAP Essential Unlimited 24/7 access to phone support for psychological and mental issues, including a fully qualified counsellor over the phone or on Access to our LifeManagement TM services for help with everyday struggles like debt, childcare provision, relationship problems and legal issues or for support during life-changing events like bereavement Online information and guidance for your team through a dedicated website Access to our 24/7 health information helpline, Health at Hand EAP Premier All the support of EAP Essential plus: n Up to five sessions of in-person counselling with a clinical specialist per team member n counselling for team members who find it easier to explore issues by writing them down n Referral to a psychologist in complex cases n Support for your manager to help them meet day-to-day team challenges 19

20 At AXA PPP healthcare, we ll help you create a healthcare plan that s just right for your business and your budget. Call our small-business experts on am to 5.30pm, Monday to Friday or get a quote online axappphealthcare.co.uk/sme Business Health Select plan Our Business Health Select plan has been rated 5 Star by independent financial research company Defaqto. The Defaqto 5 Star Rating is based on an assessment of the overall product, including the optional components. Where not all of the options are taken, this might affect the rating of the product. Rated 4.4 out of 5 for member satisfaction Based on responses from 755 SME members who were asked about their satisfaction with AXA PPP healthcare from February to August AXA PPP healthcare, Phillips House, Crescent Road, Tunbridge Wells, Kent TN1 2PL. AXA PPP healthcare Limited. Registered Office: 5 Old Broad Street, London EC2N 1AD, United Kingdom. Registered in England No Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. AXA PPP healthcare We may record and/or monitor calls for quality assurance, training and as a record of our conversation. PB62513/01.18