Health Cash Plans | My Health Xtras

Voluntary Health Scheme

Opt-in individual health insurance benefits for employees

Voluntary health Scheme FAQs

What is a voluntary scheme?

Our products can be made available to a group of employees who fund the cover themselves. You ‘sponsor’ sales through workplace promotion and employees benefit from “group” terms that are more favourable than if they individually purchased cover.

We’ll help you promote your scheme to maximise the value of the benefit.

What are the benefits of a voluntary scheme?

Employees can choose the level of cover which best matches their needs and in most cases can add family members for a more tailored insurance plan.

You can make one or more of our products available to your employees to give them further choice.

And your employees can still benefit from no, or little, underwriting terms so that access is not dependent on detailed health questionnaires and pre-existing conditions are disregarded.

How do we administer a voluntary scheme?

We talk to your employees to offer them the option of taking out a policy. We explain the cover options and any exclusions to make sure your employees have a fair understanding of the policy and provide them with all policy documentation.

We can collect premiums through payroll deduction providing a seamless experience for participating employees. We liaise with your payroll department to set up systems for monthly collections.

 All our products are designed to make claiming simple and easy. Should an employee have any queries making a claim our customer service team is on hand to support and guide them.

Why My HeaLth Xtras?

Financial strength

Our policies are insured through underwriters rated highly with Fitch Ratings, and, Standards and Poor’s, giving your employees access to the financial strength your company will expect from its insurers.

Commitment to employee needs

Our commitment to customer needs extends beyond the decision to purchase to the way we administer policies and handle claims.

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Carry out customer instructions promptly

Do not create barriers to cancelling policies

Do not try  to influence customer choices 

Do not create barriers to claiming

Settle claims fairly and speedily

EMPLOYEE BENEFITS

We can provide our products as part of a complete employee benefit package through the My Staff Shop Platform offered by our sister company. Add lifestyle and discount benefits, salary sacrifice schemes and Reward and Recognition programmes alongside your health & wellness product.

My Staff Shop users Average Annual Household Saving
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