HEALTH INSURANCEHEALTH CASH PLANS

DENTAL PLANS

Health plans that aregood for your employeesand good your business

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We focus on healthcare so you can rely on us for specialist knowledge

Our range of health plans can help you manage absence and reward your employees. They can be an attractive part of your overall benefits package and help to recruit and retain talented employees.

Whatever the size of your business, we have a plan to fit. Whether you’re looking to cover your senior managers or your entire workforce, we can work with you to build a complete package.

Here you’ll find an overview of the health plans we offer. They’re all easy to implement with minimum fuss.

Contents

Simply Private Health 3

Simply Cash Plan 6

Simply Dental Plan 8

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Help your employees get the care they need, when they need it

Simply HealthworksSimply Healthworks is an alternative to traditional private medical insurance. It gives you the flexibility to pick and mix different elements of the plan to create a solution that suits your business.

The plan helps your employees to get quick access to consultations and treatment, and we arrange all hospital appointments for them. It also gives you the option to include cover for optical and dental treatments that employees will use on a regular basis.

Simply Healthworks is available for companies wanting to cover at least three employees (or five if switching from another insurer).

Treatment Cover

Specialist consultation fees Full cover

Scans and tests Full cover

Surgery fees Full cover

Hospital charges Full cover

NHS cash benefit £100 per person per day or night1

Parent accommodation charges Full cover

Post operative physiotherapy Full cover

Oral surgery Full cover for specific conditions

1NHS cash benefit: up to 91 days or nights per claiming year

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Treatment Cover

In-patient and day-patient Full cover up to 28 days pertreatment claiming year

Out-patient treatment £2,000 per person per claiming year

Choice 1 - Psychiatric cover

The optional choices

Choice 2 - Complementary therapies

Choice 3 - Treatment for Cancer conditions

Choice 4 - Dental and Optical coverAmounts shown are per year. Payback for all levels is at 100%

Treatment Cover

Level 1 £30,000 per claiming year

Level 2 Full cover

Treatment Level 1 Level 2 Level 3

Dental £75 £100 £150

Optical £75 £100 £150

Treatment Cover

Physiotherapy Full cover

Chiropractic Full cover

Osteopathy Full cover

Acupuncture Full cover 

Homeopathy Full cover

For further details about what is and what isn’t covered under each Choice, including plan exclusions such as pre-existing conditions, chronic conditions and emergency treatment, please refer to the Simply Healthworks policy document.

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PreferentialPreferential provides your employees with comprehensive benefits should they become ill. You can choose to cover only your senior managers or your entire workforce.

The cover includes initial private consultations, out-patient, day-patient and in-patient investigations and treatment. Your employees will have access to the finest medical facilities through our extensive list of hospitals.

Preferential is available to businesses with 5-100 employees.

AccessibleAccessible is an ideal starting point for private medical insurance cover, that’s created with businesses of less than 100 employees in mind.

The plan offers treatment through a range of hospitals across the UK. Employees are cared for from their first consultation with a specialist to the point they receive their treatment.

Care for Corporates Care for Corporates is a flexible range of insured benefits for companies wishing to provide cover for over 100 employees.

Self funded health plansCreate a bespoke solution unique to your business

If you have over 400 employees, you may want to consider a self funded health plan for complete control and flexibility to incorporate the benefits that suit your business. Simplyhealth has been specialising in self funded health plans for 25 years, and we’re one of the largest providers in the market.

With a self funded health plan you can include benefits that are not typically covered under standard private medical insurance such as chronic conditions or specialist treatments and medication.

Rather than paying a premium to an insurer, you can choose to fund health benefits for employees by setting up a trust or other HMRC recognised funding vehicle.

Unlike private medical insurance, self funded health plans are not subject to Insurance Premium Tax (IPT), which means you can make considerable savings over an insured product.

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Health cash plansHelp your employees look after their everyday health

Health cash plans are a simple and affordable way to reward your employees and provide benefits they’ll regularly use and value.

Simplyhealth is the UK’s biggest health cash plan provider. We deal with all claims directly with employees and will usually put the money back in their bank account within a few days of receiving their claim form.

Simply Cash PlanWith the Simply Cash Plan, employees can claim money back towards their everyday healthcare needs such as dental treatment, eye tests, physiotherapy, consultations and more.

You can also add any of the five choices as additional cover to suit your business requirements.

The Simply Cash Plan costs from as little as £1 per week, per employee.

Your employees can also upgrade their own cover and add their partner at their own cost, without any additional administration for you.

The essentials

Weekly payment level £1 £2.10 £3.50

The payback level for all benefits is 100% each year Level 1 Level 2 Level 3

Dental £60 £120 £180

Optical £60 £120 £180

Health Screening £100 £200 £300

Physiotherapy, Osteopathy, Podiatry or Chiropody,

Chiropractic, Acupuncture and Homeopathy£150 £300 £450

Consultations and Scans £500 £500 £500

Freephone 24 hours a day, 7 days a week helpline for counselling, health and wellbeing advice

Basic Plan

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Additional options

Our ‘Choices’ provide additional options to help you build the plan that’s right for your business.

Choice 1 – Employee Assistance ProgrammeProvides support for your employees in the form of face to face counselling and back up for your business in the form of a freephone legal and manager support helpline.

Choice 1EmployeeAssistanceProgramme

Your employees are entitled to all the benefits of our Basic Plan PLUS:

Cost per week per employee 15p

Face to face counselling sessions Six sessions per incident

Freephone 24 hours a day, 7 days a week legal helpline

Freephone human resources or manager support helpline

Choice 4 – Managing AbsenceProvides access to experienced case managers to help you negotiate a successful return to work for employees who are likely to be absent from work for one working week or more.

Your employees are entitled to all the benefits of our Basic Plan PLUS:

It gives you, the employer, access to absence case management

Cost per week per employee 25p

Choice 4ManagingAbsence

Choice 2 – Hospital and AccidentGives your employees personal accident cover and entitles them to claim money back for stays in hospital, up to a maximum of 20 days or nights per year.

Your employees are entitled to all the benefits of our Basic Plan PLUS:

Cost per week per employee 30p

Hospital allowance (benefit can be used on maximum 20 days or nights each year covering in-patient, day case and parental stays). Pre-existing conditions excluded

Personal Accident Permanent Total Disablement

Accidental Death

Underwritten by Great Lakes Reinsurance (UK) plc and administered by FirstAssist Insurance Services Limited. Age restrictions apply to benefits

£20per day or night

Choice 2Hospital andAccident

£10,000

£5,000

Choice 5 – PMI Excess CoverFor those employees that have private medical insurance include this option to help them cover the cost of any excess

Cost per week per employee

Choice 5PMI Excess Cover

Level 1

25p

£100

Level 2

50p

£200

Level 3

75p

£300Private Medical Insurance Excess Cover

Choice 3 – New Child PaymentAwards a cash payment on the birth or adoption of a new child, as long as your employees have been with us for at least six months.

Cost per week per employee 20p

Your employees are entitled to all the benefits of our Basic Plan PLUS:

Birth or adoption paymentA six month qualifying period applies

Choice 3New ChildPayment

£200

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Simply Dental PlanThe Simply Dental plan is an affordable way of helping your employees with their dental health and adding tangible value to their salary packages.

The plan allows employees to claim money back on their dental costs from just £7 per month. It covers

everyday maintenance such as check-ups, x-rays, scale and polish, plus treatments such as crowns, bridges and fillings. Employees are free to visit both NHS or private dentists.

Your table of cover

Payback level

Level 1 Level 2 Level 3

Monthly premium for you £7.00 £10.50 £15.50

Monthly premium for you and your partner £14.00 £21.00 £31.00Extra premium to cover up to four of your children under the age of 18 who live with you £1.00 £3.00 £6.00

Annual limit for each person

No qualifying period

Dental maintenance

100% £30 £100 £250Includes check-ups, examinations, consultations, X-ray, scaling and polishing and hygienist’s fees

No qualifying period

Dental treatment

75% £200 £500

£2,000of which £500

is the maximum we will pay for

crowns, bridges, inlays and onlays

Includes restorative treatment such as fi llings, dentures, crowns, bridges, inlays and onlays, as well as lab fees and periodontal treatment

Dental accident cover

100%

£10,000 of which£5,000

£10,000 of which£5,000

£15,000 of which£7,500

Includes short term treatment required to repair the immediate accidental damage to your teeth. Treatment must be received within 48 hours is the maximum that can be claimed per accident

Dental emergency visit

£500 £750 £1,000If you are in severe pain and you need immediate treatment

Call out fee

£150 £200 £250An out of hours call out fee relating to a dental emergency visit only

6 month qualifying period

Mouth cancer coverA single payment £4,000 £8,000 £12,000A single payment, payable once for each

member for the duration of the policy

Worldwide cover Dental accident cover and Dental emergency visit apply anywhere in the world for any trip with a duration of up to and including 28 days.

Premiums include Insurance Premium Tax.

The joining age for this policy is from 18 years old up to 69. If you or anyone on your policy are aged 70 or over you will not be able to increase your level of cover.

Pre-existing conditions or treatment identifi ed in a qualifying period and cosmetic/aesthetic dentistry procedures are not covered.

For full details of your plan, please read the Terms and Conditions booklet.cDental-wprem-1211

cDental-wprem

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About Simplyhealth

Experts in healthcareAt Simplyhealth we’ve been helping people access affordable healthcare for 140 years. We only focus on healthcare, so you can rely on us for our specialist knowledge. We help nearly four million people with their health and 11,000 companies choose us as their healthcare provider including the John Lewis Partnership, British Airways, Royal Mail and Tesco.

We’re committed to delivering exceptional personal customer service, and go out of our way to do the right thing, not the easy thing. All of our customer care advisors are based in the UK and we always try to avoid automated telephone systems.

We’ve won many awards for our health plans and customer service. Most recently we were named

Best Health Insurance Provider at the Consumer Moneyfacts Awards 2011.

We follow mutual values and care about our communities. Last year we donated over £1 million to local causes and national charities.

www.simplyhealth.co.uk

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Being publicly funded means

it’s difficult for us to introduce

incentives and bonuses. By

providing a Simply Cash Plan

we have improved our staff

morale at a low cost. It’s helped

us to have the edge over our

competitors in terms of our

employment package, has

reduced our sickness absence

by 16% over a 12 month period

and has definitely contributed

to retaining our employees. Our

turnover rate is now better than

the national average.

Hilary Bright, Head of HR

Services, City College Norwich

We think that the emotional

health of our staff is as

important as the physical,

so we decided to add

an Employee Assistance

Programme to our Simply

Cash Plan. It gives our

employees access to a

confidential freephone

helpline and face to face

counselling to help them

with personal issues

from health advice and

debt counselling to legal

problems.

Julie Alsford, Director

of Finance, Age UK

Oxfordshire

As the proprietor of a

fast-paced, reliable

and quality engineering

company, it’s important for

me to know that when my

employees fall ill, they can

be seen, treated and back

to work immediately. That’s

why we chose to offer PMI

to all of our employees with

Simplyhealth. The cover

suits my budget and meets

my objectives. So far the

service we have received

has been exceptional.

Trevor Dowse

Managing Director

Dowse Engineering Limited

What our clients say

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What ‘We can be bothered’ means to youOur vision is to inspire people towards better health. Here’s how we show our clients that we can be bothered.

Partnership philosophy

We specialise in healthcare, which gives us a unique perspective so we can work with you to offer a solution that’s tailored to your needs and budget. We won’t push one particular plan but instead take the time to understand what’s right for your business so you can make an informed choice.

Better health

Inspiring people towards better health is at the heart of our business. Our plans can offer support with issues in the workplace such as stress, back pain and absence management. We’ll even come in to explain how our plans work to your employees, so they can make the most of them.

Personal service

The Institute of Customer Service recognises that our customer services team is world class, and we have achieved its sought after ServiceMark accreditation.

We try to avoid automated telephone systems, so when your employees call during opening hours they’ll speak to a person in one of our UK call centres.

For complex private medical insurance claims your employees will have a dedicated nurse to help them through diagnosis and treatment. We can also arrange all of their appointments for them.

ServiceMark™ accredited

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We’re here to help your employees and your business

For more information about Simplyhealth, please visit:www.simplyhealth.co.uk/forbusiness

Call 0845 075 0063Email forbusiness@simplyhealth.co.uk

Follow us on Twitter:@simplyhealthUK

Find us on LinkedIn:www.linkedin.com/company/simplyhealth

Watch our videos on YouTube:www.youtube.com/user/simplyhealthUK

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Private health insurance Health cash plans Dental plans Self funded health plans

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Simplyhealth is a trading name of Simplyhealth Access, registered and incorporated in England and Wales, No.183035. Registered office: Hambleden House, Waterloo Court, Andover, Hampshire, SP10 1LQ. Authorised and regulated by the Financial Services Authority. Your calls may be recorded and monitored for training and quality assurance purposes.