Health & Wellbeing Plan for employees
What we do
What is the Health & Wellbeing Plan?
How does a health cash plan work?
1
The company or employee pays a regular premium (or you contribute)
Each month, your company or your employees contribute a small, regular amount to the health cash plan. This payment might be deducted from their salary, funded by the company or it could be a contribution you make as the employer with additonal employee top-ups. This premium is what secures their access to the health plan’s benefits.
2
Employees see their doctor, dentist, or optomotrist
When your employees need routine healthcare services – like a dental check-up, new glasses from the optician, or even treatment from a physiotherapist or chiropractor – they simply visit their preferred practitioner. They pay for the service directly at the time of their appointment, just as they normally would.
3
Employees easily submit their claims
After their appointment and once they’ve paid, the employee receives a receipt. They then submit this receipt to us via an online claims portal.
4
Employees receive reimbursement
Once the claim is processed by us, typically in under 2 days*, the employee is reimbursed 100% of the cost they paid (up to their cash limit). This money is sent directly back to your employee, helping them manage their health expenses and making those essential treatments more affordable.
Health cash plan vs private medical insurance
How does an EAP work?
1
Employees call the EAP helpline
Your employee calls and a telephone advisor identifies the type of call. If your employee is after legal and financial support we’ll pass them to the relevant advisor straight away.
2
Our advisor assesses their needs
If your employee needs mental health and emotional support, our advisor will assess the situation and schedule their first session.
3
In-depth clinical assessment
Within a few days (up to 5 working days) our counsellor will carry out an in-depth clinical assessment and connect them with the best help based on what they need.
4
Provide counselling and support
We give ongoing counselling and support to ensure your employee is best supported and should they need longer-term support, we’ll refer them.
Here’s why companies choose us
Frequently asked questions (FAQs)
What is a business health plan?
A business health plan, or a health cash plan as it is also known as, helps employers support staff with everyday healthcare costs like dental, optical, and physiotherapy.
How does a health cash plan work for employees?
Employees pay for treatment upfront and claim back costs up to set limits, making healthcare more affordable.
What’s the difference between a health cash plan and private medical insurance?
Cash plans cover routine costs (e.g., dental, optical), while PMI covers major treatments and hospital care.
Can small businesses offer health plans?
Yes, health cash plans are ideal for SMEs as they’re affordable and easy to manage.
Let’s talk about how we can support your employees, get in touch.
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Need to know
* Based on BHSF Claim data Jan 1st – 31st Dec 2024