AccessHEALTH is a private medical insurance (PMI) plan designed to enable medium and larger employers to offer PMI benefits to their whole workforce.
The plan offers a choice of two cover levels – Core and Plus – with both of them focusing on early intervention and management rather than the traditional funding of in and daypatient treatment.
Core provides (all benefit limits are per membership year):
* Online private GP appointments through the Doctor@Hand service, which is delivered by Doctor Care Anywhere.
* Mental health counselling. Phone support and up to five face-to-face counselling sessions where clinically appropriate.
* Over the phone musculoskeletal guidance plus up to ten physiotherapy, chiropractic or osteopathy sessions.
* 24/7 phone access to AXA PPP’s dedicated team of nurses, midwives and pharmacists.
* The Health Gateway proactive health portal.
Plus adds to those:
* Up to 12 cognitive behavioural therapy sessions on GP referral.
* Up to three specialist consultations.
* Diagnostics – full refund for specialist-referred in and daypatient tests, scans and surgery to establish a diagnosis.
For both plans there is no initial qualifying period or excess, and pre-existing medical conditions are covered.
What They Say
Distribution director Chris Horlick said: “We know from feedback from the market that there’s a genuine need for affordable health and wellbeing cover for the whole workforce. AccessHEALTH provides easy, direct access to expert healthcare without any delays, and engages people in their own wellbeing – addressing a significant protection opportunity for intermediaries when it comes to advising clients who want to safeguard employee health.”
What We Say
"As you would expect, AXA PPP looks to have done its homework on developing this plan. It knows that it’s often the little things – struggling to get a GP appointment, needing back care or struggling with a mental health issues, that cost companies money and that can quickly develop into a much more costly problem. Despite that, too many firms are either passive in such situations or instead focus on funding expensive private treatment only for the top echelon of their workforce.
"This plan pretty much stands conventional PMI on its head, giving workers access to a range of help services plus quick interventions to get them back on the road to good health – and productivity.
"In doing that and targeting whole or most workforce coverage, it foregoes covering pretty much all in and daypatient treatment. For those that want to provide that, conventional PMI can be used - otherwise, it’s about relying on the NHS. However, by giving quick access to GPs, diagnostics and help, the 50% of GP referrals that will go on to need hospital admission should at least get there a bit quicker.
"It adds up to a practical and workmanlike solution and the Plus plan looks to be the one to go for if it’s affordable. It’s just not as sexy as full PMI but is still an attractive perk."