Providing information and support for PMI professionals
within the Private Medical Insurance Industry.
Home | Contact | Subscription | Terms & Conditions | About us | Support
Login     Registration
 
 Insurer & Benefits
Find a broker

WPA - Enterprise Flexible Benefits

Specifically designed for companies taking out health insurance for the first time, you can choose from a comprehensive range of modular options, where each employee can have different benefits tailored just to them. Allowing you to create a tiered healthcare structure that reflects your unique company requirements.

Available for 2 to 14 members of your workforce, you can provide your staff with highly valued private medical cover. So should your employee become unwell, you can help them get quicker access to healthcare, including advanced cancer drugs not readily available on the NHS. However, your employees don't have to be ill to benefit from our Enterprise Flexible Benefits group scheme. They can also get money back for routine healthcare costs such as GP prescriptions, dental treatments, eye tests, glasses, contact lenses and much more. They'll have access to an invaluable Employee Assistance Programme (EAP). An EAP will keep your staff engaged and productive, as well as minimising the impact of any external distractions on employees’ ability to function or focus while at work.

If you’d like to talk through how to create the best group scheme for your staff, our expert team are here to help.

Benefits

Outpatient All £250 £500 £1200 £1500 Unlimited
Therapy All £200 £400 £600 £1,200 £1,800 No
Cash Extras All Level 1 Level 2 Level 3 No
GP Services All Level 1 Level 2 Level 3 No
Overseas Emergency Treatment All 35 Days 70 Days No
Dental Care All Level 1 Level 2 Level 3 No
Face to Face Counselling All Yes No

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
Full refund of customary and reasonable fees
Surgeon / Consultant / Specialist & Anaesthetists fees
Full refund of customary and reasonable fees
Physicians fees & diagnostic tests
Full refund of customary and reasonable fees
Cancer Treatment Costs - Chemotherapy / Radiotherapy
Full refund of customary and reasonable fees
Psychiatric treatment
Full refund for up to 28 days or nights
Six week option
Not available

Key Facts - Out-patient Charges

Complementary medicine
Therapy - No
 Not covered
Therapy - £200
 Therapy Option provides £200 benefit per person pa for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, Psychology and Speech and Language Therapy. Combined limit under the general therapy benefit.
Therapy - £400
 Therapy Option provides £400 benefit per person pa for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, Psychology and Speech and Language Therapy. Combined limit under the general therapy benefit.
Therapy - £600
 Therapy Option provides £600 benefit per person pa for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, Psychology and Speech and Language Therapy. Combined limit under the general therapy benefit.
Therapy - £1,200
 Therapy Option provides £1,200 benefit per person pa for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, Psychology and Speech and Language Therapy. Combined limit under the general therapy benefit.
Therapy - £1,800
 Therapy Option provides £1,800 benefit per person pa for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, Psychology and Speech and Language Therapy. Combined limit under the general therapy benefit.
Diagnostic tests (excluding scans)
Outpatient - £250
 Consultations with a Specialist and Diagnostic Tests at £250 per annum
Outpatient - £500
 Consultations with a Specialist and Diagnostic Tests at £500 per annum
Outpatient - £1200
 Consultations with a Specialist and Diagnostic Tests at £1,200 per annum
Outpatient - £1500
 Consultations with a Specialist and Diagnostic Tests at £1,500 per annum
Outpatient - Unlimited
 Consultations with a Specialist and Diagnostic Tests : Unlimited benefit
GP referred consultations
Outpatient - £250
 Consultations with a Specialist and Diagnostic Tests at £250 per annum
Outpatient - £500
 Consultations with a Specialist and Diagnostic Tests at £500 per annum
Outpatient - £1200
 Consultations with a Specialist and Diagnostic Tests at £1,200 per annum
Outpatient - £1500
 Consultations with a Specialist and Diagnostic Tests at £1,500 per annum
Outpatient - Unlimited
 Consultations with a Specialist and Diagnostic Tests : Unlimited benefit
Physiotherapy consultant referred
Therapy - No
 Not covered
Therapy - £200
 Therapy Option provides £200 benefit per person pa for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, Psychology and Speech and Language Therapy. Combined limit under the general therapy benefit.
Therapy - £400
 Therapy Option provides £400 benefit per person pa for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, Psychology and Speech and Language Therapy. Combined limit under the general therapy benefit.
Therapy - £600
 Therapy Option provides £600 benefit per person pa for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, Psychology and Speech and Language Therapy. Combined limit under the general therapy benefit.
Therapy - £1,200
 Therapy Option provides £1,200 benefit per person pa for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, Psychology and Speech and Language Therapy. Combined limit under the general therapy benefit.
Therapy - £1,800
 Therapy Option provides £1,800 benefit per person pa for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, Psychology and Speech and Language Therapy. Combined limit under the general therapy benefit.
Physiotherapy GP referred
Therapy - No
 Not covered
Therapy - £200
 Therapy Option provides £200 benefit per person pa for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, Psychology and Speech and Language Therapy. Combined limit under the general therapy benefit.
Therapy - £400
 Therapy Option provides £400 benefit per person pa for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, Psychology and Speech and Language Therapy. Combined limit under the general therapy benefit.
Therapy - £600
 Therapy Option provides £600 benefit per person pa for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, Psychology and Speech and Language Therapy. Combined limit under the general therapy benefit.
Therapy - £1,200
 Therapy Option provides £200 benefit per person pa for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, Psychology and Speech and Language Therapy. Combined limit under the general therapy benefit.
Therapy - £1,800
 Therapy Option provides £1,800 benefit per person pa for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy, Psychology and Speech and Language Therapy. Combined limit under the general therapy benefit.
Psychiatric cover
Therapy - No
 Not covered
Therapy - £200
Therapy Option
£200 per person pa for eligible treatment by a Therapist when referred by your GP/Specialist for Psychology/Psychotherapy treatment. Combined limit under the general therapy benefit
Therapy - £400
Therapy Option
£400 per person pa for eligible treatment by a Therapist when referred by your GP/Specialist for Psychology/Psychotherapy treatment. Combined limit under the general therapy benefit
Therapy - £600
Therapy Option
£600 per person pa for eligible treatment by a Therapist when referred by your GP/Specialist for Psychology/Psychotherapy treatment. Combined limit under the general therapy benefit
Therapy - £1,200
Therapy Option
£1200 per person pa for eligible treatment by a Therapist when referred by your GP/Specialist for Psychology/Psychotherapy treatment. Combined limit under the general therapy benefit
Therapy - £1,800
Therapy Option
£1800 per person pa for eligible treatment by a Therapist when referred by your GP/Specialist for Psychology/Psychotherapy treatment. Combined limit under the general therapy benefit
Radiotherapy / Chemotherapy
Full refund
Scans - MRI / CT / PET
Full refund on One MRI or CT scan only
Surgical Procedures
Outpatient - £250
 Consultations with a Specialist and Diagnostic Tests at £250 per annum
Outpatient - £500
 Consultations with a Specialist and Diagnostic Tests at £500 per annum
Outpatient - £1200
 Consultations with a Specialist and Diagnostic Tests at £1,200 per annum
Outpatient - £1500
 Consultations with a Specialist and Diagnostic Tests at £1,500 per annum
Outpatient - Unlimited
 Consultations with a Specialist and Diagnostic Tests : Unlimited benefit

Key Facts - Additional Benefits

NHS cash benefit
Non-cancer – overall combined maximum annual benefit £4,500
NHS In-patient (less than 3 nights) or NHS Day-patient – £150 per night/day
NHS In-patient (3 nights or more) – £200 per night
NHS Out-patient Complex Diagnostic Scans and NHS Out-patient Procedures
(MRI, CT and PET Scans) – £150 per day
Cancer – overall combined maximum annual benefit £6,000
NHS In-patient or NHS Day-patient – £200 per night/day
NHS Out-patient Complex Diagnostic Scans or NHS Out-patient Cancer Treatment or NHS Out-patient Procedures - £150 per day
Cash Extras - Level 1
Cash Benefit Level 1
New Baby - £100
Health Screening - 1 health screen every 2 years - £200
A&E Attendance - £40 per visit to A&E - £80
Post-hospital Recovery Bonus - After 7 consecutive nights in hospital - £400
NHS Car Parking £300 for cancer treatment or £50 for other hospital stays, as a patient or for visitors’ parking when you make an eligible NHS Hospital Cash Benefit claim
Cash Extras - Level 2
Cash Benefit Level 2
New Baby - £200
Health Screening - 1 health screen every 2 years - £200
A&E Attendance - £40 per visit to A&E - £80
Post-hospital Recovery Bonus - After 7 consecutive nights in hospital - £400
NHS Car Parking £300 for cancer treatment or £50 for other hospital stays, as a patient or for visitors’ parking when you make an eligible NHS Hospital Cash Benefit claim
Cash Extras - Level 3
Cash Benefit Level 3
New Baby - £300
Health Screening - 1 health screen every 2 years - £400
A&E Attendance - £40 per visit to A&E - £80
Post-hospital Recovery Bonus - After 7 consecutive nights in hospital - £400
NHS Car Parking £300 for cancer treatment or £50 for other hospital stays, as a patient or for visitors’ parking when you make an eligible NHS Hospital Cash Benefit claim
Nursing at home
Full refund (up to 4 weeks following in-patient treatment)
Parental accommodation
Up to 10 nights for hospital accommodation
Primary care
Not covered
Private ambulance
Full refund when required for medical reasons to go to, from or between hospitals for treatment which is covered by your Group Policy.

Additional Benefits

Alcohol & drug abuse
Not covered
Annual maximum limit
No annual maximum
Children covered
Up to age of 25 if in full time education, and unmarried
Chiropractors & Osteopaths
Therapy - No
 Not covered
Therapy - £200
 Therapy Option provides £200 benefit per person pa for Chiropractic Care & Osteopathy. Combined limit under the general therapy benefit.
Therapy - £400
 Therapy Option provides £400 benefit per person pa for Chiropractic Care & Osteopathy. Combined limit under the general therapy benefit.
Therapy - £600
 Therapy Option provides £600 benefit per person pa for Chiropractic Care & Osteopathy. Combined limit under the general therapy benefit.
Therapy - £1,200
 Therapy Option provides £1200 benefit per person pa for Chiropractic Care & Osteopathy. Combined limit under the general therapy benefit.
Therapy - £1,800
 Therapy Option provides £1800 benefit per person pa for Chiropractic Care & Osteopathy. Combined limit under the general therapy benefit.
Dental treatment
Dental Care - No
 Not covered
Dental Care - Level 1
General Dental Treatment
When performed by a registered dentist or dental hygienist in general dental practice: £150
Dental Emergencies
£250 per course of treatment, maximum 4 episodes (A 14 day qualifying period applies): £1,000
Dental Injuries
(A 14 day qualifying period applies): £20,000
Dental Care - Level 2
General Dental Treatment
When performed by a registered dentist or dental hygienist in general dental practice: £250
Dental Emergencies
£250 per course of treatment, maximum 4 episodes (A 14 day qualifying period applies): £1,000
Dental Injuries
(A 14 day qualifying period applies): £20,000
Dental Care - Level 3
General Dental Treatment
When performed by a registered dentist or dental hygienist in general dental practice: £400
Dental Emergencies
£250 per course of treatment, maximum 4 episodes (A 14 day qualifying period applies): £1,000
Dental Injuries
(A 14 day qualifying period applies): £20,000
GP minor surgery
Outpatient - £250
 Consultations with a Specialist and Diagnostic Tests at £250 per annum
Outpatient - £500
 Consultations with a Specialist and Diagnostic Tests at £500 per annum
Outpatient - £1200
 Consultations with a Specialist and Diagnostic Tests at £1,200 per annum
Outpatient - £1500
 Consultations with a Specialist and Diagnostic Tests at £1,500 per annum
Outpatient - Unlimited
 Consultations with a Specialist and Diagnostic Tests : Unlimited benefit
GP Referred Chiropody, Podiatry or Homeopathy
Therapy - No
 Not covered
Therapy - £200
 Therapy Option provides £200 benefit per person pa for Chiropody/Podiatry, Homeopathy. Combined limit under the general therapy benefit.
Therapy - £400
 Therapy Option provides £400 benefit per person pa for Chiropody/Podiatry, Homeopathy. Combined limit under the general therapy benefit.
Therapy - £600
 Therapy Option provides £600 benefit per person pa for Chiropody/Podiatry, Homeopathy. Combined limit under the general therapy benefit
Therapy - £1,200
 Therapy Option provides £1200 benefit per person pa for Chiropody/Podiatry, Homeopathy. Combined limit under the general therapy benefit.
Therapy - £1,800
 Therapy Option provides £1800 benefit per person pa for Chiropody/Podiatry, Homeopath. Combined limit under the general therapy benefit.
Hospice care cash benefit
£70 per day / night, max £700 per group policy year
Infertility investigations
Not covered
Maternity cash benefit
Not covered
Optional cash benefit
Cash Extras - Level 1
Cash Benefit Level 1
New Baby - £100
Health Screening - 1 health screen every 2 years - £200
A&E Attendance - £40 per visit to A&E - £80
Post-hospital Recovery Bonus - After 7 consecutive nights in hospital - £400
NHS Car Parking £300 for cancer treatment or £50 for other hospital stays, as a patient or for visitors’ parking when you make an eligible NHS Hospital Cash Benefit claim
Cash Extras - Level 2
Cash Benefit Level 2
New Baby - £200
Health Screening - 1 health screen every 2 years - £200
A&E Attendance - £40 per visit to A&E - £80
Post-hospital Recovery Bonus - After 7 consecutive nights in hospital - £400
NHS Car Parking £300 for cancer treatment or £50 for other hospital stays, as a patient or for visitors’ parking when you make an eligible NHS Hospital Cash Benefit claim
Cash Extras - Level 3
Cash Benefit Level 3
New Baby - £300
Health Screening - 1 health screen every 2 years - £400
A&E Attendance - £40 per visit to A&E - £80
Post-hospital Recovery Bonus - After 7 consecutive nights in hospital - £400
NHS Car Parking £300 for cancer treatment or £50 for other hospital stays, as a patient or for visitors’ parking when you make an eligible NHS Hospital Cash Benefit claim
Out of pocket expenses
Up to £10 per night / day whilst in hospital
Overseas cover
Overseas Emergency Treatment - 35 Days
Overseas Emergency Treatment
When travelling abroad for business purposes only. An overall maximum of 180 days applies.
Emergency/Overseas Treatment Evacuation/Repatriation Family Assistance
35 days per trip – maximum £250,000
Overseas Emergency Treatment - 70 Days
Overseas Emergency Treatment
When travelling abroad for business purposes only. An overall maximum of 180 days applies.
Emergency/Overseas Treatment Evacuation/Repatriation Family Assistance
70 days per trip (35 if in the USA) – maximum £500,000
Personal & total disability benefit
Not covered
Post hospital recovery bonus
Cash Extras - No
 Not covered
Cash Extras - Level 1
Cash Extras - Level 2
Cash Extras - Level 3
Post-hospital Recovery Bonus
After 7 consecutive nights in hospital £400
Pregnancy
Not covered
Stress counselling helpline
Face to Face Counselling - No
 Cover not selected
Face to Face Counselling - Yes
 Face to face counselling sessions with a diverse network of over 2,500 affiliated clinicians across the UK. 6 Sessions
Transplants
Not covered
Other benefits
 
Insurer & Benefits: Insurers, Featured Insurers
Find a broker: Find a Broker
ABOUT SSL CERTIFICATES
© 2010 Insurance Resource™ Ltd. All rights reserved. Terms and Conditions.