Benefits

Enterprise Flexible Benefits allows you to create a bespoke group scheme for 2 to 14 members of staff.

Essential cover

In-patient and Day-patient Treatment

Includes Hospital Treatment, Specialists’ Fees, Diagnostic Tests and Complex Diagnostic Scans such as MRI, CT and PET Scans.

Cancer Care

Consultations with a Specialist, Radiotherapy / Chemotherapy and Targeted Cancer Therapies.

NHS Hospital Cash Benefit

Cash benefit per night/day as an NHS In-patient/Day-patient or for NHS Out-patient Complex Diagnostic Scans and NHS Out-patient Procedures.

Out-patient Treatment

Consultations with a Specialist, Diagnostic Tests and Out-patient Procedures.

Remote Benefits

24/7 access to a private GP helpline, video consultations, private prescriptions and specialist referral. Employee Assistance Programme (EAP) telephone support.

Further Benefits

Nursing at Home, Private Ambulance Transport, Parent and Child hospital accommodation charges, Out of Pocket Expenses and Hospice Donation.

Optional Extras

You can enhance the Essential cover with the following Optional Extras.

Therapy

Eligible treatment by a Therapist when referred by a GP/Specialist. Members may self-refer for up to four sessions of chiropractic, osteopathy and physiotherapy treatment.

Overseas Emergency Treatment

Emergency/Overseas Treatment. Evacuation/Repatriation. Family Assistance.

Structured Counselling

Where clinically appropriate, following referral from the Employee Assistance Programme, up to six sessions of structured counselling.

GP Services

Benefit towards the cost of treatment by a GP including private prescription charges.

Cash Extras

Cash benefits include Optical Treatment, Health Screening, A&E Attendance and NHS Car Parking.

Dental Care

Cash benefit towards General Dental Treatment, Dental Emergencies and Dental Injuries.

Our Enterprise Flexible Benefits scheme is rated '5 Star' by Defaqto and offers a comprehensive package of core health insurance benefits with a range of Optional Extras to enhance the core offering.

Please refer to the ‘A Guide to Your Group Scheme’ and the relevant Benefit Schedule for full details of each benefit and terms and conditions.

Shared Responsibility ®

Shared Responsibility is an innovative co-payment feature that allows you to take greater control of your premium, whilst ensuring that your employees aren’t compromised on benefits.

  • 75% of each claim for eligible treatment is paid no matter how small.
  • Employees share the cost of treatment with us by contributing 25% towards every eligible claim.
  • Employees contribution is ‘capped’ at an agreed level per Group Scheme year.
  • Once an employee’s contributions reach the chosen level in a Group Scheme year, WPA will pay 100% of eligible claims until the next annual renewal date.

Shared Responsibility levels available:

£0 • £150 • £250 • £500 • £750 • £1,000 • £1,500 • £3,000 • £5,000 • £6,000

What isn't covered?

As with all health insurance 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 Group Scheme'. It is important to understand that health insurance is not designed to be a replacement for the NHS, but rather to complement it.

Key exclusions include:

  • Any long-term monitoring, management or treatment of incurable, prolonged or lifelong condition(s) (chronic conditions).
  • Targeted Cancer Therapies if readily available on the NHS.
  • Fertility problems, pregnancy and childbirth (except the limited cash benefit for childbirth under the New Baby benefit if included).
  • Cosmetic surgery.
  • Neonatal treatment.

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What next?

Contact us

If you’d rather talk to someone about our Group Schemes, please give our UK team a call on 01823 625247.