{"id":1721,"date":"2020-10-07T11:18:58","date_gmt":"2020-10-07T11:18:58","guid":{"rendered":"https:\/\/businesscostcomparison.co.uk\/blog\/coronavirus-copy\/"},"modified":"2021-10-20T10:43:20","modified_gmt":"2021-10-20T09:43:20","slug":"business-health-insurance-analysis","status":"publish","type":"post","link":"https:\/\/businesscostcomparison.co.uk\/blog\/business-health-insurance-analysis\/","title":{"rendered":"Business health insurance: is it worthwhile?"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/businesscostcomparison.co.uk\/blog\/wp-content\/uploads\/2020\/10\/medic-563423_1920-1024x683.jpg\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/businesscostcomparison.co.uk\/blog\/wp-content\/uploads\/2020\/10\/medic-563423_1920-1024x683.jpg 1024w, https:\/\/businesscostcomparison.co.uk\/blog\/wp-content\/uploads\/2020\/10\/medic-563423_1920-300x200.jpg 300w, https:\/\/businesscostcomparison.co.uk\/blog\/wp-content\/uploads\/2020\/10\/medic-563423_1920-768x512.jpg 768w\" alt=\"\" width=\"640\" height=\"427\" \/><\/p>\n<p>Business health insurance is seen as a luxury for only large businesses in the UK, but this doesn\u2019t have to be the case. In this article, we will look into the benefits of having a business health insurance plan, and most importantly, whether it\u2019s something you should think about exploring. First, we\u2019ll explain what a business health insurance policy does.<\/p>\n<h2>What is business health insurance?<\/h2>\n<p>Business health insurance is paid by the employer, and allows employees to go to private facilities to receive medical treatment. This essentially acts as a \u2018queue jump\u2019, and means employees can be seen when they\u2019re in need- increasing employee morale, and also reducing sick time-off.<\/p>\n<p>A generic workplace medical insurance policy will usually cover treatment like:<\/p>\n<ul>\n<li style=\"font-weight: 400;\">Scans\/ tests<\/li>\n<li style=\"font-weight: 400;\">Doctor\u2019s visits<\/li>\n<li style=\"font-weight: 400;\">Surgery (excluding cosmetic, and for chronic and pre-existing conditions)<\/li>\n<li style=\"font-weight: 400;\">Physical therapy<\/li>\n<li style=\"font-weight: 400;\">Expensive drugs not available on the NHS<\/li>\n<li style=\"font-weight: 400;\">Alternative therapies (acupuncture etc)<\/li>\n<li style=\"font-weight: 400;\">Overnight and long-term hospital stays<\/li>\n<\/ul>\n<p>Different plans can also cover:<\/p>\n<ul>\n<li style=\"font-weight: 400;\">Mental health treatment<\/li>\n<li style=\"font-weight: 400;\">Dental and optical treatment<\/li>\n<li style=\"font-weight: 400;\">Cover for family members of employees<\/li>\n<\/ul>\n<h2>Business health insurance benefits<\/h2>\n<p>While coverage for all employees can drive up business outgoings, it can be a seriously worthwhile investment. While cost is the only negative, here are the positives:<\/p>\n<ul>\n<li style=\"font-weight: 400;\">This is a huge employee benefit, which will make your staff feel more loved, and help to retain staff in the future.<\/li>\n<li style=\"font-weight: 400;\">It is a highly sought-after advantage of working for you, that can convince higher-skilled workers to take your vacancy over another company\u2019s.<\/li>\n<li style=\"font-weight: 400;\">Some providers utilise 24\/7 patient support lines, which will help employees have more peace of mind. This can increase productivity.<\/li>\n<li style=\"font-weight: 400;\">Staff will be able to return to work faster after illness, giving you a stronger workforce.<\/li>\n<li style=\"font-weight: 400;\">Cheaper options are available, so even companies on a tighter budget can boast these benefits.<\/li>\n<li style=\"font-weight: 400;\">This provides an overall boost to your workplace environment, as a happy and healthy workforce has less reasons to be stressed or frustrated.<\/li>\n<li style=\"font-weight: 400;\">This can even lead to employees taking advice from doctors on things like diet and exercise, helping the immune system and brain function of your team.<\/li>\n<\/ul>\n<h2>What types of plans are there?<\/h2>\n<p>The size and type of business you run is the deciding factor in what policy you can sign up for. This varies from self-employed individuals to large corporate plans. Generally speaking, larger plans should be more generic as they cover a wide range of staff, while self-employed workers can create a more bespoke plan for their own needs. Providers mostly offer special policies for the types of businesses listed below:<\/p>\n<ul>\n<li style=\"font-weight: 400;\">Self-employed<\/li>\n<li style=\"font-weight: 400;\">Small to medium-sized enterprise (SME)<\/li>\n<li style=\"font-weight: 400;\">Large businesses (250+ employees)<\/li>\n<\/ul>\n<p>As these are all hugely different scenarios, and there are a lot of variables within each policy, prices usually have to be drawn up on a case-by-case basis. Luckily, we here at Business Cost Comparison have you covered.<\/p>\n<p>To find out how much business health insurance will set you back, you can get a free no-obligation quote from us using the following steps:<\/p>\n<p>Provide some of your requirements and business details using our quick online form (button below).<\/p>\n<p>We will then automatically match you with a verified partner suited specifically to your needs.<\/p>\n<p>Confirm and we&#8217;ll take care of the rest. One of our matched partners will be in touch with a quote and expert advice.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Business health insurance is seen as a luxury for only large businesses in the UK, but this doesn\u2019t have to<\/p>\n","protected":false},"author":5,"featured_media":1724,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[31],"tags":[22,98,54],"class_list":["post-1721","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides","tag-business","tag-healthcare","tag-saving-money"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Business Health Insurance: Is it Worthwhile? 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