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Your workforce is your most valuable asset, so it makes sense to help your employees stay healthy. And, you can do just that with Asset, our comprehensive employer paid cash plan. It’s easy to set up and pays employees tax free cash back towards the costs of staying fit and healthy. It also covers pre-existing conditions, so everyone can use it from day one.
Asset includes access to a leading Employee Assistance Programme (EAP), offering confidential support, assistance and counselling to help employees deal with a range of life events, which helps your business to meet duty of care requirements.
What’s more, Asset also includes personal accident (PA) cover of up to £20,000 as standard.
As an added bonus, when your employees register for our online service, they will have access to exclusive member benefits including online and high street discounts and a 24 hour GP service.
By offering a comprehensive and wide range of benefits, its value goes beyond what you would expect from such a low cost health plan. With 3 levels of cover, Asset gives you the flexibility to mix and match cover to suit your business needs.
The table below details the cover provided at each level.
| Level 1 | Level 2 | Level 3 | |||
| Monthly premium - per employee | For 10 to 24 employees | £7.15 | £14.30 | £21.45 | |
| For 25 or more employees | £6.90 | £13.80 | £20.70 | ||
| Annual product benefits | Level 1 | Level 2 | Level 3 | Payback | |
| Help meet your duty of care and DSE obligations | |||||
Employee wellbeing and counselling service included as standard on all cover levels provided by a specialist third party
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| Optical¹ pays towards eye tests and prescribed glasses, safety glasses and contact lenses |
up to £60 | up to £120 | up to £180 | 100% | |
| Support everyday health and wellbeing | |||||
| Dental¹ | up to £80 | up to £160 | up to £240 | 100% | |
| Physiotherapy / Osteopathy / Chiropractic / Sports massage including cover for PMI excess |
up to £150 | up to £300 | up to £450 | 100% | |
| Chiropody / Podiatry | up to £50 | up to £100 | up to £150 | 100% | |
| Acupuncture / Homeopathy / Reflexology | up to £50 | up to £100 | up to £150 | 100% | |
| Support faster diagnosis | |||||
| Health screening² | up to £125 | up to £250 | up to £375 | 100% | |
| Hospital consultant fees and diagnostic tests including cover for PMI excess |
up to £125 | up to £250 | up to £375 | 100% | |
| Hospital day case admission | £30per day | £60per day | £90per day | Max 5 days | |
| Added reassurance should the unexpected happen | |||||
Personal accident cover underwritten by American International Group UK Limited. See the separate terms and conditions for full details
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| Exclusive Sovereign member benefits³ - accessed via the online customer area |
| 24 hour GP service - convenient access to a practising UK GP wherever you are in the world |
| Sovereign Perks - access a wide range of exclusive online and high street discounts |
Premiums are inclusive of Insurance Premium Tax (IPT). Please see the Asset terms and conditions for full details.
1Dependent children under 18 are covered for optical and dental benefits on the employee’s policy only. Cover provides separate annual maximums for the employee and each of their dependent children.2Where an employer provides employees with direct access to a health screen through a third party practitioner, they will only be entitled to claim through their Asset policy for the cost of this type of health screen once in any two year period.
3Sovereign Health Care Member Benefits are discretionary, non-contractual and can be withdrawn or changed at any time. Terms and conditions apply to all benefits, details of which are available through the secure customer area.
*Does not apply to PA cover which has separate terms and conditions
Easy to apply, simple to implement. Why wait? Call us on 01274 841 127 or enquire online