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Group Critical Illness
Group Critical Illness cover enables employers to implement a scheme to provide a tax-free lump sum benefit payment if you’re diagnosed with, or require surgery for, one of the specific illnesses covered by the policy.Get in Touch
There are two types of Critical Illness policies within the current market – a basic ‘Core Illnesses’ policy which covers around 12 major critical illness to that of a ‘Extended Illnesses’ policy which covers 39+ Critical Illnesses.
It’s a very simple benefit to provide to staff and is one of the highest valued ‘perks’ that an employee can have and yet its largely inexpensive to provide by the employer.
There are no restrictions on how you may use the lump sum. You may want to pay off your mortgage as an example or you could use the money to fund changes to your home.
It is treated by the HMRC as a benefit in kind, so each member’s tax allowance may be reduced.
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What are the levels of cover?
Tiered benefits for different levels of staff or just one multiple – 4x Salary, 2x Salary or a fixed benefit of £250,000. Highest Benefit allowable is £500,000.
Why might an employee need Critical Illness?
With Medical Advances meaning that serious illnesses are not proving fatal, they can still have a major impact on an employee’s life and ability to earn a living.
What additional services are available to my employees who have Critical Illness?
Most providers will have additional services included such as a second Medical Opinion expert, Treatment Sourcing and a Personal Nurse service all invaluable to the employee.
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From private medical insurance right through to dental insurance our partners only deliver the best service to create a happier, healthier workplace.Get Started
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UK Changes reviewed Health Matters
I would just like to take this opportunity to thank you all at Health Matters. The team are a credit to your company, and I would like to give special thanks to you for recent support in helping out with our ex-employee’s queries, they were extremely grateful for your professionalism and support that you have given them during their time of need.
Health Matters customer care is second to none and you have a fantastic team all round, nothing is ever too much trouble and you all have a great caring attitude.
Citizen Housing reviewed Health Matters
Health Matters were recommended to us originally and have now become a key service facilitator. They have supported us in sourcing excellent EAP, occupational health and medical support service. Health Matters have been able to provide us with the best service and value for money.
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Health Matters were recommended to us and have offered us a great supportive strategic relationship. They have really helped us move along with our employee benefits package. Health Matters have all of the answers and the right solutions that suited our business criteria.
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