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Employer benefits
go-active – an inclusive, low cost health care benefit
The potential high cost of private medical insurance means it is usually only provided to senior employees, and it is often seen as an exclusive benefit. go-active is a low cost, high value benefit which can be provided to all employees at a fraction of the cost of private medical insurance. You can offer employees use of the plan as part of an absence management policy whilst remaining impartial and actively subsidising the cost.
go-active can help employers to:
Many businesses rely on their employees using computers on a daily basis. The DSE requirements for employers to pay for eye tests and special corrective spectacles are a cost that businesses must budget for. The optical benefit within go-active will help you to manage and alleviate these costs.
The go-active solution
Level 1 go-active cover pays up to £60 per annum in optical benefits, this rises to £120 and £180 for level 2 and level 3 cover respectively. The cover level is per employee and can be used for sight tests, prescribed spectacles, contact lenses, repairs and laser eye surgery.
Plus your employees can visit an optician of their choice. You no longer need to administer voucher arrangements - instead your employees arrange their own sight tests at their convenience and claim the cost back directly from Sovereign Health Care.
The reasons for absence are numerous and varied but the impact on your business remains the same - lost working days due to reduced resource and depleted skills and knowledge, all of which have an associated financial cost. According to the 2009 CIPD Absence Management Survey, the average cost of sickness is £692 per employee, per year, with the average level of employee absence being 7.4 days per employee, per year.
Getting a fast diagnosis and treatment of a medical condition or injury can significantly reduce the time an employee is away from the workplace and thus reduce the cost implication of absence for employers. go-active enables employers to be proactive in helping employees to stay fit and healthy by covering a range of treatments which might financially impact an employee and delay them seeking medical attention.
go-active is an inclusive policy which also covers pre-existing conditions, so employers can use it as part of an active absence management policy and ask employees to seek treatment by using the policy benefits.
The go-active solution
Dental care
Emergency, unplanned dental treatment can mean absence from work and potentially reduced productivity as dental pain is difficult to ignore. The provision of financial assistance through go-active may encourage employees to not put off routine check ups and maintenance, thus reducing the chance of dental problems and absence from the workplace.
Therapeutic benefits
Back pain, musculoskeletal conditions and stress are some of the main causes of both short and long-term absences for manual and non-manual workers. NHS waiting lists and prohibitive costs are common obstacles to treatment. Delaying treatment can not only exacerbate a problem but can lead to the time and cost of absence increasing.
go-active provides financial assistance towards the cost of a range of therapies. Employees have the freedom to arrange physiotherapy, osteopathy, chiropractic and acupuncture treatment and claim back the costs up to their cover level maximum. Employees are free to see a qualified practitioner of their choosing, at a time that suits both them and you, and no referral is needed.
Consultant fees
Getting a fast diagnosis can reduce the time an employee is away from the workplace. go-active supports employees with the cost of seeing a specialist hospital consultant following a GP referral. Whilst initial access to a specialist consultant may not resolve the underlying medical condition, it may mean less time waiting for treatment giving benefits to both employee and employer alike.
Health Screening
Increasingly, individuals are taking preventive measures to safeguard their health. Many conditions are treatable if detected early and health screening is becoming more common place. Go-active supports your employees be pro-active about their health by paying towards well woman, well man, osteoporosis and mammogram screening.
The remuneration package
Rewarding your employees and giving something that enhances remuneration without significantly increasing salary overheads can be challenging.
Employee turnover
Recruitment and staff turnover are costly for any business. The average recruitment cost of filling a vacancy per employee is £4,000. Source: CIPD Annual Recruitment, Retention and Turnover Survey 2009. Employee goodwill and a motivated workforce are assets to any company. Enhanced remuneration can help to improve morale and employee retention, and also aid with the recruitment of quality employees.
The go-active solution
go-active gives you the opportunity to provide employees with a low cost, high value benefit which will give something to every employee and it's also an affordable solution for employers. From as little as £5 per month, per employee, go-active can assist you with rewarding, recruiting and retaining staff in a cost effective manner.