WPA

Being a specialist not-for-profit health insurer in the UK, WPA provides award-winning health insurance solutions for individuals, families, and businesses of all sizes.

Private Health Insurance

Ben's choice

A Brief Overview of WPA's Offerings
WPA (Western Provident Association) is a UK-based not-for-profit health insurer with over 120 years of experience, offering tailored private medical insurance (PMI) solutions for businesses of all sizes. WPA provides a range of corporate health insurance schemes that can be customised to meet the specific needs of businesses and their employees. Key offerings include:

• Enterprise Flexible Benefits: Designed for small and medium-sized enterprises (SMEs) with 2 to 14 employees, this plan allows employers to create a tiered healthcare structure by selecting from a comprehensive range of modular options. Each employee can have different benefits tailored to their individual needs, ensuring a personalised approach to healthcare coverage.
• Precision Corporate Healthcare: Aimed at larger organisations, this scheme offers flexibility in designing a healthcare plan that aligns with the company's budget and business requirements. Employers can choose from various funding options, such as Shared Responsibility (co-payment), Excess, and Group Deductible, to manage premiums effectively.

Both plans provide access to an extensive network of over 600 hospitals across the UK, ensuring employees receive timely and appropriate medical care.

The Main Benefits for Employees

1. Prompt Access to Healthcare Services: WPA's PMI plans offer employees expedited access to private hospitals and specialists, reducing waiting times for consultations and treatments. This ensures that health issues are addressed swiftly, leading to better health outcomes.
2. Comprehensive Coverage: Employees benefit from a wide range of medical services, including inpatient and outpatient treatments, advanced cancer therapies, and mental health support. The flexibility of WPA's plans allows for coverage that aligns with individual health needs.
3. Remote GP Services: Employees have access to a 24/7 private GP helpline and video consultations, enabling them to seek medical advice conveniently. This service extends to immediate family members residing with the employee, promoting overall family health.
4. Employee Assistance Programme (EAP): Included in the Enterprise Flexible Benefits plan, the EAP provides confidential telephone support for personal or work-related issues, helping employees manage stress and maintain mental well-being.

The Main Benefits for Employers

1. Enhanced Employee Productivity: By facilitating quick access to medical treatments, employees can recover faster and return to work sooner, thereby minimising absenteeism and maintaining productivity levels.
2. Attraction and Retention of Talent: Offering comprehensive health insurance as part of the employee benefits package makes the organization more appealing to prospective employees and helps retain existing staff, fostering loyalty and reducing turnover.
3. Cost Management: WPA's flexible funding options, such as the Group Deductible, allow employers to reduce costs without compromising benefits. This approach enables efficient allocation of resources and potential rebates if claims are lower than the deductible.
4. Tailored Healthcare Schemes: Employers can design healthcare plans that reflect the unique requirements of their workforce, ensuring that the benefits provided are relevant and valued by employees.
5. Market-Leading Management Information: WPA's Precision Analytics tool offers employers transparency and clarity on how their healthcare scheme is utilised, enabling data-driven decisions to optimise the plan's effectiveness.

Special Features to Highlight

• Freedom of Choice: WPA believes in providing members with the freedom to choose their healthcare providers, ensuring that employees can select specialists and hospitals that best meet their needs.
• Not-for-Profit Ethos: As a provident association, WPA reinvests profits into enhancing services for members, ensuring that the focus remains on delivering high-quality healthcare rather than generating shareholder profits.
• Advanced Cancer Treatment Access: WPA's plans include coverage for advanced cancer drugs that may not be readily available on the NHS, providing employees with access to cutting-edge treatments.
• Modular Plan Design: The ability to build a healthcare scheme with modular options allows employers to create a tiered structure that reflects their company's specific requirements, offering flexibility and control over the benefits provided.
• Dedicated Customer Service: With expertise built over more than a century, WPA is committed to delivering exceptional service, consistently leading independent Trustpilot ratings among UK health insurers.

In summary, WPA's private medical insurance offerings provide both employees and employers with comprehensive, flexible, and tailored healthcare solutions. By prioritising prompt access to quality medical services and offering customisable plans, WPA supports the health and well-being of employees while enabling employers to manage costs effectively and foster a productive workforce.