As a small business owner you’ll understand that your people are your most important asset. You want them as fit and healthy as possible so that they’re able to work productively for your business. But what happens if you or a team member falls ill? Time is money. Health challenges can lead to time away from work, reducing productivity. At such times, long waits for a diagnosis and then treatment aren’t what you need.
Private health insurance plans are designed to cut the costs of absenteeism by providing fast access to specialist care when needed. They’re also evolving to encourage healthy behaviours that help prevent illnesses. And, in an increasingly competitive market a private healthcare plan helps recruit and retain the best people.
BUILD A HEALTHCARE PLAN TO SUIT
At Cigna we realise that every company is different. What suits one small company is unlikely to fit the diverse needs of all other small businesses. The modular design of Our SmartHealth plan gives you the flexibility to choose the aspects of health cover that most closely meet the needs of you and your team and the budget of your company. ‘Core cover’ on the SmartHealth plan provides the comprehensive cover you’d expect for inpatient and outpatient treatments, but includes other valuable benefits too, such as:
An optical cash benefit of up to £100.
Access to ‘Living Life to the Full’ resources, an online self-help tool which provides easy-to-use training in life skills.
If you’re looking for a more economical solution, you can choose to ‘flex down’ your SmartHealth Plan through the following options:
Remove ‘Living Life to the Full’ resources.
Remove £15,000 mental health cover.
If you’d like to provide maximum support then SmartHealth’s ‘flex up’ options could be the answer for you. You can keep all the valuable benefits of SmartHealth’s ‘core cover’, but add one or both of the following benefit enhancements:
Full dental cover:
Full leisure and business travel cover from Crispin Spears.
SCHEME SIZE AND ELIGIBILITY
Cigna SmartHealth is available to businesses looking to cover between 5 and 150 employees.
Cover is available to dependants (spouses/partners and dependant children under the age of 18 or 25 if in full time education).
Cover is only available on a company paid basis
PUT YOUR TEAM IN SAFE HANDS
We’ve thought of everything we can do to help get you and your team better and back to work fast.
Access to a confidential helpline with the option to speak to a nurse.
Self-referral option for certain conditions using Cigna’s preferred providers.
Quick and easy settlement of claims, with full preauthorisation and no unpleasant surprises.
A choice of over 350 private hospitals or NHS hospitals with dedicated areas for private patient care.
If you're looking to cover 100 or more employees, this plan option offers affordable cover for your employees without a private medical benefit. Increase wellness, engage employees and lower costs. Learn more