Benenden Health

Benenden Health offers supplementary Health or Cash plans for spending on routine costs such as optical, dental and mental health support.

A Brief Overview of Benenden Health's Offerings

Benenden Health offers a comprehensive healthcare plan for businesses at a fixed cost of £15.50 per employee per month, regardless of age or medical history. This plan includes:

• 24/7 GP and Mental Health Helplines: Employees have round-the-clock access to GP consultations and mental health support, facilitating immediate medical advice and emotional assistance.
• Medical Diagnostics and Treatment: When NHS wait times exceed three weeks, Benenden Health provides prompt diagnostic services, including consultations and tests such as scans and X-rays, up to the value of £2,500.
• Physiotherapy: Access to physiotherapy sessions aids in the treatment and management of musculoskeletal conditions, promoting quicker recovery and reducing absenteeism.
• Mental Health Support: Structured short-term support is available for mild to moderate mental health issues, ensuring employees receive appropriate care.
• Rewards and Discounts: Through the "My Benenden Rewards" program, employees can enjoy exclusive discounts on gym memberships, cinema tickets, and various retail products, supporting their overall well-being.

Unlike traditional PMI, Benenden Health's approach eliminates excess charges and does not increase premiums based on claims, making healthcare accessible and predictable for both employers and employees.

The Main Benefits for Employees

1. Affordable Healthcare Access: For a modest monthly fee, employees gain access to a wide range of private healthcare services, alleviating financial concerns associated with medical expenses.
2. Timely Medical Attention: With services like the 24/7 GP helpline and expedited diagnostics, employees can address health issues promptly, leading to better health outcomes and reduced anxiety over prolonged wait times.
3. Comprehensive Support: The inclusion of mental health services and physiotherapy ensures holistic care, addressing both physical and mental health needs.
4. Enhanced Well-being: Additional perks, such as discounts on health-related products and services, encourage a healthier lifestyle and contribute to overall well-being.
5. Simplified Process: The absence of excess charges and the predictability of costs make it easier for employees to utilise healthcare services without worrying about unexpected expenses.

The Main Benefits for Employers

1. Cost-Effective Solution: At £15.50 per employee per month, Benenden Health offers an affordable alternative to traditional PMI, which can cost approximately £1,000 per employee annually.
2. Improved Employee Productivity: Access to prompt medical care reduces absenteeism and presenteism, as employees can recover and return to work more swiftly.
3. Enhanced Recruitment and Retention: Offering comprehensive healthcare benefits makes the organisation more attractive to potential hires and fosters loyalty among existing staff.
4. Holistic Employee Support: By addressing both physical and mental health needs, employers demonstrate a commitment to their employees' overall well-being, contributing to a positive workplace culture.
5. Simplified Administration: With a single, fixed cost per employee and no medical questionnaires required, managing the healthcare plan is straightforward and less time-consuming.

Special Features to Highlight

• No Excess Charges: Employees are not burdened with additional costs when accessing services, making healthcare utilisation stress-free.
• Uniform Pricing: The flat rate per employee, irrespective of age or medical history, ensures fairness and predictability in budgeting for both employers and employees.
• Immediate Access from Day One: Employees can utilise services such as the 24/7 GP and Mental Health helplines immediately upon enrolment, ensuring continuous support.
• Focus on Preventative Care: By providing resources and support for maintaining health, Benenden Health emphasises prevention, which can lead to long-term health benefits and cost savings.
• Not-for-Profit Model: As a mutual society, Benenden Health reinvests surplus funds into enhancing services, ensuring that member needs are prioritised over profits.

In summary, Benenden Health offers a comprehensive, affordable, and employee-centric alternative to traditional private medical insurance. By integrating their healthcare plan into employee benefits, organisations can foster a healthier, more productive workforce while demonstrating a genuine commitment to employee well-being.