Westfield Health has improved its Foresight Healthcare Plan to include cognitive behavioural therapy (CBT) for the first time. With a consultation benefit and stand-alone scanning service, the plan offers a comprehensive diagnostic service.
CBT is recognised by the National Institute for Health and Clinical Excellence as an effective talking therapy for the treatment of many mental health conditions, including depression and anxiety disorders.
The corporate premiums on levels 1 and 2 remain unchanged since 1999 despite the addition of several new benefits, which now include a new online personal health risk assessment, dental trauma, chiropody and homeopathy.
Dental benefits have effectively more than doubled with the introduction of the dental trauma benefit. On level 1, the optical benefit has increased by more than 22% and the therapies benefit by 25%.
The improved plan now includes three invaluable new employer support services; BusinessCare, an HR helpline and a company health report, which is available once employees have completed an online personal health risk assessment.
Westfield Health’s Jill Davies says, “We recognise that employers are looking for a sustainable plan with innovative benefits that can complement PMI cover if required. Westfield’s experience has enabled us to create a plan high in value with fresh new benefits and improved terms at no additional cost on levels 1 and 2. The fact that we have been able to maintain corporate premiums on these levels for more than 10 years is testament to our ability to write sustainable market-leading plans.”
Due to underwriting reasons, it has been necessary to increase level 3 corporate premiums by just 25p per employee, per week, for the first time since 2006. A new fourth level of premium has also been introduced in response to employer requests for a higher level of cover with increased benefits.
Foresight Plan now offers more favourable terms and greater flexibility for employees to upgrade their cover and join a partner. The new online personal health risk assessment gives employees and their resident family members the opportunity to complete an online assessment to show how their lifestyle impacts on their health and the risk of them developing major diseases such as cancer or coronary heart disease. The process will also support them to take action to reduce any identified risks. BusinessCare, provides 24-hour access to expert telephone advice as well as online information on a range of legal issues including employment, health and safety and many more. The HR Helpline provides 24-hour access to free and confidential advice regarding people management issues.
The Foresight Plan also offers three optional modules – Surgery Choices, which provides employees with cover for 60 different non-urgent surgical procedures, For Kids, which provides health cover for employees’ dependent children, and DoctorLine, which provides 24-hour worldwide telephone access to a qualified practising GP as well as access to special membership deals at UK health and fitness clubs.