Small business health insurance: Enterprise Flexible Benefits
Company paid flexible healthcare for your employees. Create a bespoke group scheme which supports health and wellbeing for 2 to 14 members of staff.
Tailored and flexible healthcare
Providing health insurance for your employees helps shape a positive company culture by sending out a clear message that you value their health and wellbeing. Your employees are important to your business, and offering health cover is an effective way to help look after them.
Our small business health insurance provides access to prompt private hospital and specialist treatment, thereby improving employee productivity and reducing staff absenteeism due to ill-health.
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Building your small business health insurance scheme
Choose from a comprehensive range of modular options, where each employee can have different benefits tailored just to them.
This allows you to create a tiered healthcare structure that reflects your unique company requirements.
Essential Cover
Core benefits included in every Scheme
A comprehensive package of core benefits and forms the basis upon which to build your Scheme.
A range of out-patient treatment
Including mental health treatment
No financial caps apply
Cash benefit for NHS day-patient, in-patient and out-patient treatment
Skin Support and Cancer Diagnosis
Including EAP, Structured Counselling and Remote GP Services
Optional Extras
Choose to enhance your cover
Optional Extras provide even more flexibility to tailor your benefits to suit your company's needs and budget.
Including psychotherapy/psychology and Fast Track Physiotherapy
For everyday healthcare costs
Includes prescription charges
Also available as a Standalone Scheme with a minimum of 3 employees on cover
What's not covered
As with all health insurance Schemes, there are certain things that are not covered. For a full list of what isn't covered, please refer to the 'A Guide to Your Scheme', available as part of our quote process. Key exclusions include:
Pre-existing conditions- Dental problems (except limited cash benefits)
- Long-term conditions (chronic conditions)
- Fertility, pregnancy and childbirth
- Cosmetic/aesthetic treatment
- Allergic conditions
Looking for business health insurance for more than 14 employees?
Precision Corporate Healthcare combines private medical insurance, cash and dental plans together into a flexible scheme for 10 or more employees.
Precision Corporate HealthcareFast Track Pathways
What are the Fast Track Pathways?
Fast Track Pathway benefits are available without the need for a GP referral, to put members on the road to a quick recovery. If a member needs physiotherapy, has any skin concerns, or has any symptoms of breast, prostate or skin cancer, acting fast can ease their worry.
A niggling knee, a stiff neck, shoulder pain, backache...it's easy to ignore these until they become bigger problems. Fast Track Physiotherapy provides quick access to expert care - helping recovery, mobility, and prevention of long-term issues.
The first step in gaining support or advice for a skin condition, or for concerns regarding a mole or lesion. Fast Track Skin Support is web-based - simply upload images of the affected area and a dermatologist will review and provide a response. This is the quickest way to answer any skin concerns.
If you have any symptoms of breast, prostate or skin cancer, acting fast can ease your worry. Fast Track Cancer Diagnosis gives access to expert care - helping gain a diagnosis, or simply reassurance if the concern turns out to be nothing to worry about.
All Pathways are provided through third party providers and are subject to each provider's terms and conditions which may be amended at any time. WPA is not responsible for the services or treatment provided by the third party providers.
Tailor your company's premium
Shared Responsibility is a co-payment feature that allows you to take greater control of your company's premium, whilst ensuring that your employees aren't compromised on benefits.
Unlike a traditional excess, 75% of treatment costs are paid, no matter how small. Employees share the cost of their treatment by contributing 25%. Their contribution is also capped at the chosen level for the Scheme year. Family member(s) may have a different level of Shared Responsibility to the employee.
Levels available
How does Shared Responsibility work?
1
WPA will pay 75% directly to the treatment provider. We will then inform the employee of their share which they will need to pay themself.
2
Their contribution is then taken from their level of Shared Responsibility.
3
Once they reach their level of Shared Responsibility, WPA will pay 100% of any eligible claims subject to their benefit limits.
4
When their Scheme membership is renewed, their level of Shared Responsibility starts again with the new Scheme year, even if the course of treatment started beforehand.
Shared Responsibility is applied per person, per Scheme year and not per claim.
You do not have to pay Shared Responsibility on the following benefits
Structured Counselling benefits, NHS Hospital Cash Benefit, Out of Pocket Expenses, Hospice Donation, Wigs (part of the Cancer Care benefit), Fast Track Skin Support Pathway, Cash Extras Optional Extra, GP Services Optional Extra, Fast Track Physiotherapy Pathway (Therapy Optional Extra), Dental Care Optional Extra - General Dental Treatment, and Dental Emergencies.
We offer support in a variety of ways
There are times when we could all benefit from some extra help, and the convenience of accessing support from the comfort of our own home is invaluable. That's why Enterprise Flexible Benefits includes a range of health and wellbeing benefits - available at a time and a place convenient for your employee
Remote GP Services
Access to a remote GP by phone or video, depending on which is preferred and is most appropriate. Book a virtual GP appointment via the WPA Health app. Alternatively, phone the advice line and speak to a trained operator who will take some information and arrange for a GP to call back at a convenient time.
Structured Counselling
Short-term (up to six sessions) counselling model. The Structured Counselling (Extended Therapy) Optional Extra provides up to 20 sessions for people struggling with mild to moderate mental health issues. This model may be clinically appropriate for slightly more complex issues and bereavement where more time is needed.
Employee Assistance Programme (EAP)
The 24/7 EAP helpline is a quick and easy way to access a range of valuable resources that includes wellbeing and health information, single-session telephone counselling support, online computerised Cognitive Behaviour Therapy (cCBT) life skills course, debt and money information and support, legal information and manager support.
Health & Wellbeing Hub
Our Health & Wellbeing Hub provides access to a wide range of articles, videos, and practical support resources. It features information on various health conditions, mental wellbeing, neurodiversity, and topics specific to both men's and women's health, offering a helpful starting point for anyone looking to learn more or find guidance.
WPA Health app
Smart administration and claiming in the palm of your hand
When you're ill, getting an initial consultation with a medical professional is an important first step. Within a few minutes, you can receive pre-authorisation to visit a specialist - starting your treatment journey as quickly as possible.
Make a claim 24/7
Access Remote GP Services
View membership literature
Track claims & benefit limits
Send & receive secure messages
Health & Wellbeing hub
We believe that our policies should be easy to understand and easy to use wherever you are, which is why WPA Health is designed with customers in mind.
Frequently asked questions
Here's a selection of questions and answers that we've already helped our customers with.
Employer FAQs
Once the company scheme is set up, you can manage administrative changes, including adding or removing members, via your WPA secure online portal.
Alternatively you can contact us and we will be delighted to assist you.
For an Essential claim, your employee will need to get a referral from their GP and then give us a call to pre-authorise their claim. We'll take it from there.
If your employee is looking to claim money back on their everyday healthcare expenses under Cash Extras Wellness or Dental, they just need to sign in to their secure online account and follow the on-screen instructions.
If requested, they will need to send us the completed form and associated receipts within six months of the eligible treatment date.
Yes, this company scheme is very flexible. Each employee can have different options and levels of cover.
Allowing you to define a tiered benefits structure that reflects your company requirements.
If you want to add family members of your employees to the company scheme, they can also have different options and levels of cover.
Employee FAQs
For an Essential claim, you need to get a referral from your GP and then give us a call to pre-authorise your claim. We'll take it from there.
For Cash Extras Wellness and Dental, once you've received healthcare treatment, please pay your provider's bill in full. Then make a claim within 6 months of the treatment date. To make a claim, sign in to your secure online account and follow the on-screen instructions. We'll pay all eligible claims directly into your bank account and send you confirmation by SMS text.
Use your secure online account to keep track of your claims. You can also see any invoices we've received, and exchange messages with us securely.
No. All your medical information is confidential, and we won't tell your employer anything about your claims.
We believe access to the best hospital for diagnosis or treatment of your condition should be a clinical choice, not a commercial decision driven by a health insurer.
With us, you have access to over 1,000 hospitals, clinics and scanning centres across the UK - including large private hospital groups, independent private hospitals and clinics and private wings of NHS hospitals.
It's your health, so you should be able to choose the best hospital for you.
What next?
Find your local WPA Healthcare Practice
Our specialist Healthcare Practice Partners are available to talk through your choices and answer your questions face to face.
Contact us
If you'd rather talk to someone about our Company Schemes, please give our UK team a call on 01823 625247.