Health Insurance for Those Without the Benefit of Corporate Healthcare
Many major UK employers and a number of smaller enlightened ones offer healthcare insurance as a valued employee benefit. They know that keeping your workforce happy and healthy isn’t merely a philanthropic gesture but is also good for business. Ensuring that staff keep on top on any medical problem as it arises means that companies are less likely to suffer staff absence and therefore the business is likely to run more smoothly as a result.
Staff wellbeing should be a serious consideration for every reputable organisation. Indeed, the better the company’s employee benefits package, the more likely that it will attract top calibre staff. That doesn’t just include higher than average wages, or other perks such as company cars, but also the inclusion of health insurance for the employee and also his or her family.
In the UK just over three-quarters of employees believe that their employer should be responsible for their health care as that is where they spend the majority of their time. That view is shared by workers across the globe where many countries, including two of the world’s biggest democracies – the USA and India – are involved in serious debate about whether to make health insurance mandatory for all employers.
Although, it is not yet a legal obligation in the UK, many of the quality employers that consistently appear in The Sunday Times Top One Hundred Places to Work list offer health insurance as a matter of course. They understand that maintaining a healthy workforce is directly related to maintaining a healthy bottom line.
But, if you work for a company that doesn’t offer such cover taking out private medical health insurance is a sensible option, and likely to give considerable piece of mind for a relatively small annual premium. Many personal schemes offer similar benefits to those available from company schemes and for individuals who are self-employed they are especially relevant, as time away from work through illness equates to valuable lost income.
For those that do benefit from private medical insurance schemes currently available to corporations and SMEs, there are usually a raft of associated additional benefits such as discounts on gym memberships, regular health screenings and active help to quit unhealthy habits such as smoking.
Whether provided by your employer or arranged independently by you, health insurance offers access to fast effective treatment, often in top quality private hospitals; the question isn’t whether you can afford it but rather can you afford to be without it!
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