Would you like to provide your employees with an affordable benefit that gives them money back for day-to-day costs such as optical, dental and physiotherapy?
As an employer, offering a great employee benefit package can help you attract and retain those important to your business, at an affordable cost.
Rising popularity of healthcare benefits
Work benefits are becoming increasingly popular within the workplace. From office-based workers and tradespeople to medical professionals and self-employed people, an increasing number of people are seeking roles where the benefits include a Health Cash Plan (also known as a Medical Cash Plan). Setting up a Medical Cash Plan for employees by using the services of a reputable broker is useful if you need to source an affordable yet attractive cash plan for employees.
According to HR platform provider, Access, people are choosing to look after their health and wellbeing as well as their financial solvency. Data shows that 80% of employees state they would choose additional benefits over a pay rise.1 In addition, 69% of employees said they would prioritise one role over another if one of the roles offered better benefits.2
We can cater for all types of businesses, including larger enterprises. However, you don’t need to run a large organisation or company to provide competitive benefits to your people. Using our help, you can set up tax-efficient Medical Cash Plans which reward most types of employees.
Investing in your people
We offer Medical Cash Plans which reimburse the costs of routine, everyday healthcare. Your employees can:
- Choose their practitioner
- Pay for treatment
- Submit their receipt online
They will receive the amount they paid for treatment directly into their bank account, usually a few days after submitting their claim.
With various levels of cover to suit your budget and requirements, the following health and wellbeing services can be included:
- Optical
- Dental
- Physiotherapy
- Chiropody, Acupuncture & Osteopathy
- Medical scans
- 24/7 telephone access to counselling, legal, debt and medical advice
- 24/7 access from anywhere in the world to a prescribing GP
Unlike benefits that may only be used occasionally, these services offer immediate and ongoing value, making them highly attractive to employees across all industries.
Optical cover
Optical cover is one of the most popular features of a Medical Cash Plan, especially for employees who spend long hours working on screens. Many staff experience eye strain, headaches, or worsening vision due to prolonged computer use, making regular eye tests essential. With an Optical Cash Plan, employees can reclaim costs for:
- Eye tests
- Prescription glasses
- Contact lenses
- Specialist lenses (depending on the Plan)
This encourages staff to stay on top of their eye health rather than delaying appointments because of cost. Early detection of vision problems can improve comfort and productivity at work, while better eyesight helps reduce mistakes and fatigue. For employers, supporting staff with optical care can also help meet health and safety responsibilities for screen-based workers.
Dental benefits
Dental cover is another highly valuable part of a Medical Cash Plan. Dental treatment can be expensive, particularly when your employees need fillings, hygienist appointments, or emergency care. Without support, many people delay check-ups, which can lead to more serious issues later.
A cash plan enables your employees to claim back costs for routine dental appointments, hygiene treatments, X-rays, and other common procedures depending on the provider. This makes preventative care more accessible and encourages regular visits to the dentist.
Healthy teeth and gums are linked to overall wellbeing and confidence and fewer untreated dental problems which can mean fewer last-minute absences caused by pain or emergency appointments.
Physiotherapy benefits
Physiotherapy is one of the most impactful benefits in a cash plan, particularly for businesses with desk-based teams, manual workers, or employees who travel frequently. Back pain, neck strain, repetitive strain injuries, and sports-related problems are common reasons for discomfort and absence.
With physiotherapy cover, your employees can reclaim costs for private physio sessions, helping them access treatment faster than waiting for NHS services. Early intervention often means quicker recovery, less pain, and reduced time off work.
How can you benefit from a Health Cash Plan as an employer?
Providing practical support for your employees rather than benefits employees rarely use is a wise investment. Medical Cash Plans are affordable, easy to implement, and highly valued by staff because they cover real-life healthcare costs.
Cash plans can reduce absenteeism and improve long-term productivity. Employees who receive prompt treatment are more likely to remain active, engaged, and comfortable in their roles. It also demonstrates that the business cares about employee wellbeing, which can strengthen retention, resolve, and morale.
For companies looking to attract talent, improve wellbeing, and reduce sickness absence, a Medical Cash Plan is a smart investment that delivers benefits for both employees and the business.
Why use our expertise?
Lloyd & Whyte Community Broking Private Medical Insurance advisers can:
- Guide you through your options – navigate complicated terms & conditions, explain all aspects of your cash plan, and identify any gaps in coverage.
- Compare insurers rates and offerings on your behalf – find competitive prices and tailor your plans.
- Access to the whole market – we have access to multiple insurers, including those who don’t advertise on online comparison sites.
- Manage policy admin (renewals, reviews and support with a claim)
When you book an appointment to discuss your options, we can meet face-to-face, over the phone, or via video call, depending on what suits you best.
If you’re interested in finding out more about the Medical Cash Plans we provide, please call or book an appointment with our adviser today.
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