Affordable protection that supports your employees’ personal wellbeing

Our Group Protection and Healthcare specialists provide employers with advice across all Group Risk and Employee Healthcare arrangements. We offer corporate consultancy and expert management across Group Risk policies like Group Life Insurance, Group Income Protection and Group Critical Illness cover and Employee Healthcare plans including Private Medical and Health Cash Plans.

High performing organisations place an increasing emphasis on their employees’ personal wellbeing. Doing so ensures employees remain fit, healthy and productive, and are supported in their recovery if they are unable to work. We can help you ensure your employees are protected, supported and cared-for in a way that offers you long term productivity and organisational wellbeing at a sensible and sustainable cost.

How Group Protection and Healthcare can contribute to employee wellbeing

There are many kinds of Group Protection and Healthcare policies and plans that are designed to provide employees different kinds of financial and medical support:

Group Protection (Group Risk)

Group Protection (also known as Group Risk) policies are designed to provide financial support in the event of serious illness and loss of life for employees and their loved ones:

  • Group Life Insurance: is often referred to as Death in Service benefit and provides a lump sum to the loved ones of an employee in the event of death. Although it is a common employee benefit, Group Life Insurance schemes must be carefully managed owing to potential tax implications, particularly for high earners, and the need to ensure trust documentation is correct and up to date. Creative advises on all forms of Group Life Insurance, including Registered Group Life Schemes, Excepted Group Life Schemes and Relevant Life Schemes.
  • Group Critical Illness Insurance: provides a lump sum to an employee on the diagnosis of a specified serious illness. It can be used to help employees pay for medical care, specialist treatment and other needs that arise from being seriously ill. Creative can advise, arrange and manage such Group Critical Illness cover policies.
  • Group Income Protection Insurance: is often referred as Sick Pay and provides a replacement income to employees when they are seriously ill and are unable to work for an extended period. Creative can advise, arrange and manage such income protection policies and help you ensure medical issues don’t lead to long-term insurance claims by designing and managing your employee healthcare arrangements.

Company Healthcare

Company Healthcare policies offer employers of all sizes effective means to help employees when a medical need arises. In doing so, more serious medical issues can be prevented, reducing absenteeism and expensive, long-term insurance claims:

  • Private Medical Healthcare: is often referred to as Company Healthcare, providing employees with access to private medical treatment for acute conditions. This can mean avoiding lengthy NHS waiting lists, greater choice of location for any treatment, and quality care designed to help employees get back to their best as soon as possible. Whatever the size of your organisation, Creative can design a Company Healthcare scheme and access a wide range of providers to give you a quality, sustainable scheme.
  • Health Cash Plans: provide a range of healthcare benefits that can be used toward health-related needs like dental, physiotherapy, optometry and even complementary health therapies like sports massages. Creative can access Health Cash Plan providers and help you find the most suitable provider and cover for your workforce, helping them proactively manage and improve their personal wellbeing.
  • Hospital Cash Plans: provide a financial contribution towards any hospital stays and associated expenses in the event of accident or illness. Creative can access Hospital Cash Plan providers and help you find the most suitable provider to cover your workforce, giving them financial support when they really need it.
    Dental Cover: provide a range of benefits that can be used toward ongoing dental care and emergency work. Creative can access Dental Insurance providers and help you find the most suitable provider and cover for your workforce.
  • Employee Assistance Programmes (EAPs): offer employees access to confidential counselling and support – often by telephone but also face-to-face and in the workplace. Employee Assistance Programmes can help employees who may be suffering with mental illness, such as stress and bereavement. Such services are often provided as an added benefit to certain Group Risk insurance schemes but can also be supplied by specialist providers. Creative can work with you to ensure you are making the most out of any existing ‘bundled’ EAP and source an effective provider.

Making Group Protection and Healthcare work for you

A successful and holistic approach to employee healthcare and wellbeing will ensure your organisation is able to make the most out of your Group Protection and Healthcare arrangements. Whatever your organisation is struggling with, our experts can help you with anything from the basics to the complex:

  • Scheme Audit: to ensure the benefit promises made to your employees are correct and that you are not underinsured, removing unnecessary and avoidable risks
  • Scheme Design: to meet your budget and the healthcare needs specific to your workforce demographic
  • Brokerage and Market Review: to obtain the best, most sustainable terms available
  • Renewal Management: to ensure your scheme renews in a timely manner without exposing you to gaps in cover
  • Provider and Claim Support: to lend a helping hand with complex queries and initiating claims
  • Tax and Trusts: we can help you make the right choices when establishing trusts for employee benefits and advise you of tax issues that can arise and how to manage these effectively

Our Group Risk and Company Healthcare Consultants can help you with aspects of your scheme, giving you a coherent and fully supported strategy for employee wellbeing.

Let Creative help you put wellbeing at the heart of your organisation

Creative can provide everything you need to put wellbeing at the heart of your organisation. We don’t just help you meet your workforce duty of care requirements – we ensure your benefits work in harmony together to provide total personal wellbeing so your employees can focus on their jobs.

When it comes to Group Protection and Healthcare, we know what it takes to build a culture of workplace wellbeing. Let’s build yours together. Talk to Creative today.

 

Important information about Group Protection and Healthcare Insurance

  • This is a non-investment protection policy and will have no surrender value. You must maintain the premiums on the plan, otherwise you will not be covered

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