If you’re ready to choose health coverage for your business, understanding your options can be quite overwhelming. Westfield Health is here to cut through the noise to provide comprehensive and clear-cut health plans that suit your needs.
Learn more about health cash plans and private health insurance with Westfield Health, understanding what could work for you, and how to make the most of your team’s healthcare experience.
What is a health cash plan?
A health cash plan is a policy that allows your employees to claim cash back, up to set limits, on the costs of everyday healthcare routines and appointments. Services that can be claimed for include:
- Optical
- Dental
- Therapy treatments
- Chiropody
- Hospital stays
- Health screenings & assessments
- Paternity & Maternity & Adoption
Businesses can arrange health cash plan coverage as a business-wide health benefit for employees.
With a Westfield health cash plan for business, employees pay up front for services such as opticians, dentists, therapy appointments and more. They then have 26 weeks to make a claim through the online portal to be reimbursed for services up to the established plan limit. Westfield Health cash plan online claims are processed on average within two working days. This means your team are not out of pocket for extended periods of time, making budgeting for health services simpler.
Benefits of a health cash plan
Finding a health cash plan that works for your team can have several benefits, including:
- Immediate support: With a health cash plan, there are no delays. From the day your policy is active, your employees can make claims for everyday healthcare services, except maternity, paternity and adaptation benefits.
- Fast claim repayments: With Westfield Health, online claims are processed within an average of two working days.
- Promotes proactive healthcare: Health cash plans encourage a proactive approach to health, removing financial barriers to everyday healthcare.
- 24/7 access to health consultation: Our health cash plan offers access to our 24/7 GP consultation service. This helps customers to skip the wait for GP appointment times.
What is private health insurance?
Private health insurance is a straightforward policy that grants affordable access to private treatment. When you are building healthcare policies for your employees, these policies provide year-round access to consultation, screenings, tests and treatments that put their health first.
Benefits of Private Health Insurance
For businesses looking for comprehensive health coverage, private health insurance holds lots of valuable benefits, including:
- Skip NHS waiting times: NHS waiting times have heavily influenced how many people think about healthcare. With private healthcare options like Westfield Health’s insurance, your employees can access important treatments without the additional NHS wait times.
- Straightforward premiums: The price you pay with a Westfield Health policy isn’t affected by location or the number of claims, and no medical assessments are required.
- Immediate treatment coverage with your policy: Once the policy starts, you will have immediate access to private treatments under the terms of your plan.
- Bills settled directly with treatment centre or hospital: Private health insurance settles medical bills directly with the hospital. So, your employees are never out of pocket for fast, quality treatment.
- Flexibility to use NHS and private treatment options: Choosing private health insurance doesn’t mean losing access to the NHS services you already know. Get the flexibility of access to both with private health policies.
In addition to a health plan, businesses can add other wellbeing benefits to support people. These include things like access to health and lifestyle screenings, a mental health first aid course, employee assistance programmes, corporate fitness services or training. No matter what services you choose, you have access to a dedicated case manager who supports you through the process.
Find a health plan: Comparing private health insurance vs health cash plan
While both private health insurance and health cash plans offer great benefits, they serve different purposes.
Health Cash Plans like Evolve offer support for your team’s everyday healthcare, such as optical, dental, physiotherapy, health screenings and neurodiversity support. A health cash plan is designed to improve accessibility to health care today, so employees can take control of their everyday health.
Private health insurance gives you peace of mind for tomorrow – covering health treatments that may be needed in the future. With a private insurance policy, your employees gain valuable and accessible private surgery and medical treatment.
How to make the most of private health insurance and health cash plans
Now that we’ve reviewed the essentials of health plans, how can your business make the most of healthcare options? Here at Westfield Health, we can help you find a health plan that suits the needs of your business. Our private health insurance and cash plan policies work best when partnered together, creating peace of mind for health today and tomorrow.
With both plans, you gain support with the costs of everyday and preventative healthcare, with the safety of fast treatment when you need it most.
Learn more healthcare insurance with Comprehensive Cover: Helping your Private Health Insurance & Health Cash Plan Work Together.