engage Mutual : One Fund

Product profile

Description

Provides an annual sum of money that policyholders can spend on a range of core healthcare treatments comprising dental, optical, POCAH (Physiotherapy, osteopathy, chiropractic, acupuncture, and homeopathy), specialist consultations, health screening and counselling.

For 

Companies offering cover for 25 or more individuals age 18 plus.

How it works

Rather than setting restrictive limits per procedure, policyholders have choice in how they spend their cover. This enables them to get more value from their plan by giving them the chance to claim larger sums of money.

The product offers significant payments towards the bills that hit employees the hardest, as opposed to subsidising small everyday costs. A check-up may not keep an employee off work, but a delayed dental crown might. The higher consultation scans and physiotherapy allowance also gives a greater opportunity to get treatment done privately to avoid any delays for treatment on the NHS. The lower the contribution an employee has to make towards a large bill, the higher the chance they will get the treatment done allowing them a speedy return to work.

Benefits

• No medical examination

• Dental

• Optical

• Physiotherapy

• Osteopathy

• Chiropractic

• Acupuncture

• Homeopathy

• Specialist consultations

• Health screening

• Counselling

• Stress counselling and treatment

• Muskoskeletal problems

Basis of cover

After paying one £40 excess per benefit  category each year, the policyholder can claim up to an annual limit of 72 times the monthly premium, which can be claimed in full for any benefit aside from optical and health screening which are subject to an annual limit due to these being elective treatments. 

Options

6 levels of monthly premium

Last updated: 18 August 2011