Small business health insurance: Enterprise Flexible Benefits

Hospital Treatment

• Hospital stays

Cover should you need to stay in hospital as a day-patient or overnight as an in-patient. Includes up to 28 days/nights mental health treatment.

Out-patient Treatment

Complex scans such as MRI/CT/PET scans are included, plus procedures carried out by your specialist on an out-patient basis.

• Complex Scans
• Out-patient Procedures
• Pre-admission Tests

For the following benefits you must choose an overall benefit limit:

• Consultations with a Specialist/Psychiatrist
• Specialist and GP Referred Diagnostic Tests

£250, £500, £1,200, £1,500 or unlimited.

Cancer Care

If you get cancer, we will support you from diagnosis through to treatment.

Our aim is to provide easy and prompt access to a diagnosis followed by full and comprehensive cover for medical treatment.

You and your family can have confidence that you are in excellent hands if you are diagnosed with cancer.

No financial caps

Benefit for all tests and treatments, from initial diagnosis through to palliative treatment.

Unlimited follow-up care

No time limit to our support for follow-up scans and consultations.

Personalised support

All cancer claims are overseen by our team of specially trained Case Managers and our Medical Advisors.

NHS Hospital Cash Benefit

Non-cancer

An annual benefit limit of £4,500 applies to the following benefits:

• NHS day-patient/in-patient (less than three nights) £150 per day/night
• NHS in-patient (three or more nights) £200 per night
• NHS out-patient complex scans and NHS out-patient procedures £150 per day

Cancer

An annual benefit limit of £6,000 applies to the following benefits:

• NHS day-patient/in-patient £200 per day/night
• NHS out-patient: diagnostic scans/cancer treatment/blood tests and out-patient procedures £150 per day

Please note:

Where your NHS treatment takes place in one of the defined Central London NHS hospitals we will pay an uplift in addition to the amounts stated above. The benefit limits shown will increase by £100 per day/night, up to the same maximum annual limits shown. Defined Central London hospitals.

Health and Wellbeing Benefits

• Remote GP Services
• Employee Assistance Programme (EAP)
• Structured Counselling (up to six sessions for family members over the age of 16)

Therapy

Therapy

Additionally, when referred by a GP/Specialist, a range of therapy treatment is available. This includes physiotherapy, chiropractic, homeopathy, acupuncture and psychology/psychotherapy.

Choose from the following benefit limits:

£200, £400, £600, £1,200 or £1,800.

Within the chosen benefit limit, members may also self-refer for up to four sessions of chiropractic, osteopathy and physiotherapy treatment, and up to three sessions of nutritional therapy.

Physio Pathway

Rapid access for up to five face to face or remote physiotherapy sessions through the WPA Physio Pathway Provider. Sessions do not require a referral and will not be deducted from the therapy annual benefit limit. After your initial triage appointment, you will have access to an app where you can book subsequent sessions and take advantage of the exercises available.

Overseas Emergency Treatment

When travelling abroad - if outside the EEA, travel must be for business purposes. An overall maximum of 180 days applies. Choose from:

Up to 35 days per trip

(maximum of 180 days and £250,000)

Up to 70 days per trip (35 if in the USA)

(maximum of 180 days and £500,000)

Structured Counselling (Extended Therapy)

Allowing for the treatment of more complex health conditions (up to 20 sessions). Not available for family member(s) on cover, who are under 16.

Cash Extras

Choose from three levels of cover:

GP Services

Towards the cost of treatment by a GP. In addition to the Remote GP Services benefit.

• GP Services/Fees
• Prescription Charges - £40 (all levels)

£150, £250 or £400.

Dental Care

NHS or private treatment. Choose from three levels of cover:

Dental injuries will be refunded up to the maximum amounts listed in our Dental Schedule.

Family member(s) are entitled to 50% of the benefit available, until the renewal following their 18th birthday. Providing cover continues, the full benefit allowance will then apply.