- Obtain a GP referral from your own GP, a private GP or using telemedicine/virtual routes
- Contact your insurer to advise what is needed (consultation/test etc)
- Assuming treatment is eligible you will be given an authorisation number
- Give the authorisation number to the consultant/hospital and all bill will be settled directly
Most Private Medical Insurers now provide a Virtual GP service as part of their standard policies. Telemedicine in general cone exploded in recent years due to long waiting lists with NHS GP’s, and the ability for people for fit a consultation around their schedule. The benefits of a Virtual GP are as follows:
- Face-to-face GP consultation via desktop or smart device
- Employees can choose a time to suit them
- Employee can select a GP based on gender or specialist clinical interest
- Photos can be uploaded to the GP in advance of the call (rashes etc)
- The GP can prescribe medication which can be delivered home
- The GP can refer you for further treatment (consultation etc) via health insurance
- Less time away from work
- No long wait to speak with a GP (appointments can be booked in just a couple of hours)
Approximately 70% of GP consultations don’t actually require any physical examination, which means that telemedicine can greatly reduce the strain on the NHS.
NHS Cash Benefit
Many insurers have this option included as standard within their plan. If a member needs to be admitted to hospital for an in/day-patient procedure and the member is happy to follow that route, they are able to claim the NHS Cash Benefit in exchange for not being treated privately. This can range from £50 to £250 per night/day depending on which insurer you are with.
Mental Health and Psychiatric treatment
An increase in mental health awareness has inspired employers to seriously consider how they can best provide for their staff in this area. Conditions such as depression and anxiety are now more openly reported and it is widely acknowledge that people need help in these areas.
Company health insurance providers have always offered some provision in this area, but they’ve really excelled in the past 24-36 months to provide a greater degree of assistance. These can include:
► Cognitive Behavioural Therapy (CBT)
► Talking Therapies
► Telephone counselling
► Face to Face Counselling
► Mindfulness courses (online and via apps)
For more serious conditions, Psychiatric and psychological services can also be selected as part of a Business Health Insurance policy.
Read more on mental health issues related the Covid pandemic.
Physiotherapy and muscular-skeletal conditions in general, account for a huge proportion of Private Medical Insurance claims across the entire market. Because of this, most insurers will have specific physio networks set up in order for them to:
► Control costs
► Guarantee quality outcomes
► Improve the member journey
Insurers will always prefer for employees/members to follow their pre-established pathways for the above reasons, however, there are also some excellent benefits to members also:
► No need to obtain a GP referral
► Enhanced number of sessions made available
► Cost of physiotherapy sessions covered in full with no shortfalls
If an employee wanted to use a physiotherapist that wasn’t part of the insurer’s network, this can still usually be accommodated; however, the insurer may only agree to pay a certain amount per session, leaving the employee to cover the difference.