Business Health Insurance Benefits

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Why choose WPA

  • Excellent Customer Service
  • Not-for-profit association
  • Award Winning Insurer
  • State of the art technology
  • Over 110 years heritage

Switching your
company´s health
insurance group scheme?

Enterprise Health Group Scheme


What´s covered with Enterprise Flexible Benefits

Choose your cover and enhance it with the extras available. Choose different cover options for each one of your employees and their family members.

Click on the cover options below to see more detail.

Essential Cover - This is the core cover when selecting our company paid private medical insurance

Enterprise Flexible Benefits is designed to promote maximum flexibility when insuring your company´s healthcare needs. Choose your cover and enhance it with the Extras available. Choose different cover options for each one of your employees and their family members.

In-patient & day-patient treatment


Hospital treatment Choose from over 600 hospitals nationwide including London
Specialists´ fees In line with customary & reasonable fees whilst in hospital
Diagnostic tests Such as blood tests, ultrasound & x-rays
Diagnostic scans MRI, CT & PET scans only
NHS cash benefit
- in- or day-patient - £150*
- in-patient stays for 3 nights or more - £200*
- Out-patient diagnostic scans and procedures - £150*
Per person per day/night/session with an overall combined benefit of £4,500 per person per Group Scheme year
Psychiatric treatment 28 days/nights in 5 Group Scheme years (must be pre-authorised)

Out-patient treatment (more cover available with the out-patient extra)


Consultations with a specialist Up to £200 per person per Group Scheme year
Single post-hospital consultation and tests One follow-up consultation & associated tests carried out that day, within 90 days of a surgical procedure
Diagnostic scans MRI, CT & PET scans only at the request of a specialist
Out-patient procedures In line with customary & reasonable fees for diagnostic or endoscopic procedures
Pre-admission tests In the 2 weeks prior to your operation

Cancer treatment


Radiotherapy/chemotherapy In line with customary & reasonable fees
Consultations with a specialist In line with customary & reasonable fees, post diagnosis
Advanced therapeutics Advanced anti-cancer (targeted) treatment currently being introduced into clinical practice
NHS cancer cash benefit
- in- or day-patient - £200*
-Out-patient diagnostic scans, procedures, pathology & radiotherapy/chemotherapy - £150*
Per person per day/night/session with an overall combined benefit of £6,000 per person per Group Scheme year

Other benefits


Nursing at home Up to 4 weeks per person per Group Scheme year
Private ambulance transport Full cover when medically necessary
Parent and child Hospital accommodation charges
Prostheses In-patient and day-patient only
Out of pocket expenses Up to £10 per day
Hospice donation £70 per day/night up to £700 per person per Group Scheme year
Employee assistance programme 24 hours a day, 365 days a year (see over)

Essential Plus


General dental treatment Up to £75
Optical treatment Up to £75
Physiotherapy and other therapies Up to £150
Scans and screens Up to £200
New baby £100

1 300 for cancer treatment, £50 for other hospital stays.

* Where you receive treatment (as an NHS patient) in one of the defined Central London NHS hospitals, the benefit limits shown on the table will increase by £100 per day/night/session, up to the same maximum annual limits shown. Click here to view the list.

Out-patient - Enhance the Essential Cover with out-patient cover for consultations, pathology, x-rays and more

Out-patient


Full refund or £1000 option  
Specialist consultations Customary and reasonable fees
Diagnostic tests Full refund for diagnostic tests referred by a specialist. Up to £500 for diagnostic tests referred by a GP. Covers x-rays, bloods tests and ultrasound scans
Psychiatric treatment

OR £1,000 out-patient
Fully covered for 6 months for specialist treatment
Physiotherapy and other therapies Up to £200 when referred by a GP
As above but within an overall annual limit of £1,000
Enhanced Therapy - Provides up to £1,000 worth of therapy per person per Group Scheme year

Therapy


Acupuncture Up to a combined total of £1,000 per person per Group Scheme year.
Chiropody/podiatry
Chiropractic care
Dietary services
Homeopathy
Osteopathy
Physiotherapy
Speech and language therapy
Psychology/psychotherapy
Diagnostic tests (GP) Covers x-rays, blood tests and ultrasound scans (excluding complex diagnostic scans) at the request of your GP (not specialist)
Worldwide - Two levels available with up to £500,000 of cover per Group Scheme year

Worldwide


Worldwide 3535 days cover for medical emergencies & evacuation/repatriation Covers all trips in the EU and outside the EU for Business purposes only for up to 35 days per trip, with an annual maximum benefit of £250,000
Worldwide 7070 days cover for medical emergencies & evacuation/repatriation Covers trips in the EU and outside the EU for Business purposes only for up to 70 days per trip (35 in the USA), with an annual maximum benefit of £500,000

The worldwide extra does not include destinations that are considered ´at risk´ by the Foreign & Commonwealth Office (FCO) website. See www.fco.gov.uk for details.

Wellness - Receive cashback towards everyday healthcare costs

Wellness

100% cashback
Payable for the following benefits

Routine dental treatment (up to £150)
Optical treatment (up to £150)
Eye test (up to £40)
Physiotherapy and other therapies (up to £400)
Specialist/second opinion (up to £250)
GP services (up to £150)
Prescription charges (up to £40)
Scans & screens (up to £200)
NHS Car Parking (£300 for cancer treatment, £50 for other hospital stays)

Monetary benefits
Up to the amounts shown

NHS hospital in/day-patient admission (£65 per day/night for up to 20 days)
Post-hospital recovery bonus (up to £400 after 7 consecutive nights in hospital)
A&E attendance (£40 for each emergency attendance up to £80)
New baby (£200) A 10 month qualifying period applies

Telephone support
Available 24/7

Employee support - telephone based service
Line manager support
Organisational support

Extra cash benefits - Enhance your wellness cover

A&E Abroad - £100,000
(not available in conjunction with Essential Cover)

GP/medical fees and medically referred x-rays, tests and prescription medication Up to £150 per Group Scheme year
General dental treatment Your £150 dental benefit under Wellness can also be claimed when abroad
Hospital treatment for medical emergencies overseas including evacuation/repatriation £100,000 per Group Scheme year
Network of medical professionals with valuable local knowledge 24/7 telephone support

mycancerdrugs - £50,000 lifetime benefit
(not available in conjunction with Essential Cover)

Will provide access to advanced cancer drugs not available on the NHS. There is a 90 day deferment period for this Extra. This benefit is available up to your 66th birthday.

Cosmetic surgery - £20,000

Provides private reconstructive plastic surgery following a scar left on the face or upper body after an NHS operation. There is a 1 month qualifying period for Cosmetic Surgery. Deliberately self-inflicted injuries, disfigurement through illness or treatment received are not covered. There are 3 options to choose from (upper body, lower body and total body).

Face to Face counselling - 6 sessions

Up to 6 face to face counselling sessions (must apply to ALL members if this cover is chosen).
Enhanced Dental - Includes cover for routine dental check-ups, hygienist and emergency cover

Dental

Benefits

General dental treatment 75% of costs up to £250.
Dental emergencies £1,000 (up to £250 per episode, maximum 4 per year). A 14 day qualifying period applies
Dental injuries Up to £20,000 per Group Scheme year. A 14 day qualifying period applies
Oral Cancer Up to £10,000 per Group Scheme year

Other benefits

Hospital charges Full cover
Specialist/consultant fees In line with customary & reasonable fees, whilst in hospital
Hospital cash benefit £200 for each night you spend in an NHS hospital
Parent & child Up to a maximum of 10 nights

Your staff can choose their own dentist with WPA´s Dental Cover. They won´t need to have a dental exam and we won´t ask for any dental history. All that we ask is that your employees have visited a UK registered dentist for a check-up or treatment during the 18 months prior to joining the Group Scheme.


High quality Employee Assistance Programme (EAP) included.

Enterprise Flexible Benefits does not cover pre-existing or chronic conditions. For more details see what´s not covered.

Our comprehensive business health insurance FAQ provides answers to many common questions.



For more information

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