Standard cover
Comprehensive cover
In addition to the Standard benefits above, Comprehensive includes the following additional benefits.
Optional Extras
You can enhance the Standard and Comprehensive cover with the following Optional Extras.
Overseas Emergency Treatment
Emergency/Overseas Treatment. Evacuation/Repatriation. Family Assistance.
Cash Extras
Cash benefits include Optical Treatment, Health Screening and a New Baby benefit.
Premium Hospitals
Extend the extensive choice of hospitals as standard by adding Premium Hospitals, which are primarily based in Central London.
Dental Care
Cash benefit towards General Dental Treatment, Dental Emergencies, Dental Injuries and Restorative Treatment as a direct result of Oral Cancer.
Structured Counselling (Extended Therapy)
Provides more sessions than the Standard Structured Counselling benefit, allowing the treatment of more complex health concerns, if required.
The following Optional Extras are available to add to Comprehensive cover only.
Oral Surgery
Replantation of teeth following trauma. Removal of impacted/buried teeth/roots. Removal of cysts of the jaw.
Long-Term (Chronic) Conditions
Consultations and therapy treatment required in relation to a claim where benefit is not available in line with limitations on the treatment of Long-term (Chronic) Conditions.
Winter Sports – UK Treatment
Established treatment upon your return to the UK, required as a result of a winter sports injury.
Our Enterprise Health 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.
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Tailor your premium
Shared Responsibility ®
- 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
Excess
Instead of Shared Responsibility, you may prefer to take a traditional excess on your Group Scheme (per person per Group Scheme year, not per claim).
Excess levels available:
£0 • £100 • £150 • £200 • £250
Please note: Shared Responsibility and Excess.
At renewal you can increase the Shared Responsibility or
excess limit, however you can only reduce it by one level at a
time (e.g. from £1,000 to £750)
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.