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LOOKING FOR A QUOTE FOR EMPLOYEE BENEFITS HEALTH INSURANCE?

HEALTHY AND HAPPY EMPLOYEES ARE MORE MOTIVATED AND PRODUCTIVE

GET HEALTH BENEFITS FROM EXCELLECT

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Why Choose Us?

We have partnered with specialist employee benefits broker Excellect to offer a full range of employee benefits to our clients. We chose Excellect because they share our values of exceptional client service. Like us they maintain strong relationships with insurance providers helping them secure the very best terms and pricing.

Cardiff businesses need to attract and retain the best employees to help them succeed. Motivated and happy employees result in productive and profitable businesses so offering an attractive benefits package can help achieve this.

Which Employee Benefits Can I Choose?

Health Insurance

Everyone values good health. It can be challenging for employers to find benefits that appeal to all age groups, but most employees appreciate some form of private medical provision. It’s also a popular and effective benefit when it comes to attracting and retaining quality people.

Health Insurance covers the cost of medical investigations, consultations and/or treatment for acute conditions. It aims to restore a person back to good health as quickly as possible and is intended to work alongside the invaluable services offered by the NHS. Unfortunately, with NHS waiting lists under increasing pressure it provides employees with an alternative and gives them control and choice when it comes to their health.

Group plans benefit from corporate rates, and additional economies of scale can be achieved for larger schemes.

Benefits of Health Insurance include:

  • Timely referrals to, and choice of consultants/specialists who oversee ongoing care (Initial referrals usually via employee’s GP)
  • Quick admission to hospital at the most convenient time and place for the employee
  • Expanded choice of healthcare, including advanced treatment options not available on the NHS e.g., specialist cancer drugs.
  • High quality private clinic and hospital accommodation, offering own privacy and providing increased levels of comfort and cleanliness.
  • Annual health screenings are an option, providing the opportunity to pick up early warning signs of medical conditions, allowing them to be diagnosed, and treated quickly preventing longer term absence and health issues.
  • Many plans have additional features such access to Health and Well-being apps; health advice; and a 24/7 GP Helpline. Support and advice are available to encourage the individual to have a healthy lifestyle.

*Company sponsored PMI is classed as a P11d Benefit in Kind for tax purposes.

A Group PMI Scheme is available for as few as two employees.

Health Cash Plan

This is a popular, simple, and low-cost health and well-being benefit intended to maintain a healthy and happy workforce. It is a benefit that employees like, use, and talk about. It can therefore be a great tool to increase employee engagement, motivation, and morale.

It helps to cover the cost of everyday medical expenses for example, optical check-ups, glasses, and lenses; dental check-ups and treatment; chiropractor/physiotherapy treatments; and complimentary therapies.

Many Health Cash Plans also include access to a discounts platform where employees can obtain a multitude of savings or cash back on shopping (food, fuel, and clothing); travel and holidays; theatre and cinema tickets; technology, and gym discounts to name but a few.

An Employee Assistance Programme (EAP) can be included as an option and offers vital support to employees and their immediate family, who can access a 24/7 helpline manned by professionally trained counsellors. This allows them to seek help and advice on any issues that are affecting their mental wellbeing e.g., financial worries, relationship worries, health problems etc. Services can usually also be accessed online, or by face to face/virtual sessions. EAP’s are also available as a standalone benefit.

Health Cash Plans are available for three employees plus.

*Company sponsored Health Cash Plans are classed as a P11d Benefit in Kind for tax purposes.

Dental Plans

A corporate dental plan covers the cost of dental check-ups and treatment, which can either be through the NHS, or privately. It allows an employer to support and encourage employees to look after their everyday dental health. It also provides the reassurance of having cover for unforeseen events like dental accidents, emergencies, and mouth cancer. The employee pays for the dental treatment, and then claims the money back from the insurer. Many insurers provide a choice of cover levels allowing plans to be tailor made to fit the business requirements and budget.

Dental Schemes are available for two employees or more.

Health Screenings

A valued benefit, this provides an employee with an annual health check-up. For the employer it's the equivalent of an MOT on an employee’s health. It helps employees to recognise health issues early and follow advice to improve health and wellbeing. The employer only pays for the screening once it has taken place. A healthier workforce is more productive and engaged.

Health screenings are available for two employees or more.

 


Would you like a free no obligation quote?
Call us today: 029 2062 6226 or Arrange a Callback

 

About Us

Watkin Davies Insurance Consultants are one of Wales’ largest Independent Insurance Brokers, established in 1978 by Roger Watkins. Since this time we have become one of the leading Commercial and Personal Insurance Brokers in the region and the trusted insurance advisor to hundreds of Welsh and UK businesses and individuals.

Head Office

15 & 19 Penlline Road
Cardiff, CF14 2AA
029 2062 6226
Opening Hours
Mon-Fri: 9am to 5.30pm
Sat: 9.30am to 1pm
Sun: Closed

Official Insurance Partner

Official Insurance Partner of the FAW Trust

Official Insurance Partner of the WSA

Membership & Accreditation

Chwarae Teg FairPlay Employer Award

Member of British Insurance Brokers Association