News articles supporting the case for low cost healthcare insurance and health cash plans

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Company health care schemes vary widely in cost and levels of cover, if you are considering setting up company health care schemes then the best way to start is by considering a few key questions:

1)      What is your budget?

2)      Which areas of healthcare do you want to provide cover for?

From as little as £1.07 a week you can offer cover within Orchard Healthcare’s cash plan to your employees. With levels of cover varying in cost, there are packages to suit all budgets.

If you want to offer your employees financial assistance towards their everyday health costs then the ‘red’ level of the plan offers money back against optical and dental costs to maintain good health as well as physiotherapy / osteopathy in order to get back to work faster after a musculoskeletal problem.

You may consider offering different level’s of cover to different groups of employees.  For those on the higher ‘gold scheme’ financial assistance is offered towards diagnostic procedures such as scans enabling your employees to access private treatment quickly in the event of a more serious health concern.

There are a number of ways that company health care schemes can be funded:

1.    Company paid scheme The company cover’s the full cost of cover. Many companies offer a company paid scheme as part of their employee health and wellbeing provision, ensuring that they are encouraging their workforce to remain fit and healthy.

2.    Voluntary scheme This voluntary benefit is deducted from the employee's pay– if employees choose to sign up to company health care schemes then the cost is deducted from the employee’s pay, thereby not costing the employer but still offering a health and wellbeing provision available through the company.

If you’ve selected your company health care scheme and are keen to roll it out to your workforce we will work with you to promote and launch the scheme within your business:

Member recruitment

       Once you've decided to go ahead with your plan, we can organise workplace presentations, ongoing marketing support and help with application forms and paperwork to make sure as many of your employees as possible take full advantage of their entitlement to health cover.

Payroll deductions and contributions

       For voluntary schemes, funded by contributions from employees themselves, the most efficient way is by simple payroll deduction, but you can choose payment by BACS or cheque on a weekly, monthly or quarterly basis. Whatever suits the needs of your company and its employee’s best.

Once the company health care scheme is in place, it is important to ensure that employees understand the claims processing procedure to enable them to make the most of their cover:

       When employees need to claim cash back on their everyday healthcare costs, we'll look after the whole process.

       They deal directly with our friendly, experienced staff and we always aim to process claims promptly, usually within three working days.

       We'll even notify them of payment by e-mail or letter once payments been made so that they don't chase you!

Orchard Healthcare’s health cash plan endeavours to be:

·         Quick and easy to implement

·         50% cashback on a wide range of benefits

·         4 levels of cover for employees to choose from

·         Cover from just £1.07 per week

·         No medical required to join

·         Dedicated account management including onsite presentations and marketing support

·         Free comprehensive personal accident cover up to £10,000 with every Orchard Healthcare plan.

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For more information please contact Orchard Healthcare on 01905 729090.

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Orchard Healthcare is the trading name of Worcester Hospital Contributors Association (WHCA) registered in England AC001147

The Worcester Hospital Contributors Association is authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and The Prudential Regulation Authority 202815

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