Axa PPP Healthcare is launching a whole-of-workforce healthcare cover for medium and large employers with no pre-existing condition conclusions.
Called AccessHealth, the service focuses on early intervention and support with the aim of helping employers tackle key health risks to productivity in their business such as musculoskeletal conditions and mental ill health.
The new proposition is designed for schemes of 100 employees or more and is available from 01 January 2016.
AccessHealth carries no exclusions for pre-existing medical conditions, no excess to pay and no qualifying period before employees can use the benefits.
The Core level of the proposition includes online private GP appointments from Axa PPP’s Doctor@Hand service, delivered by Doctor Care Anywhere and mental health counselling, with five face-to-face counselling sessions where clinically appropriate
The Core musculoskeletal cover includes over-the-phone guidance and 10 physiotherapy, chiropractic or osteopathy sessions per year.
Employees also get 24/7 telephone access to Axa PPP’s dedicated team of nurses, midwives and pharmacists and access to Health Gateway, the provider’s health risk management portal.
The more expensive Plus level of cover includes CBT, consultations and diagnostics.
Axa PPP Healthcare distribution Chris Horlick says: “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.
“As well as bringing a highly valued benefit to workers who, ordinarily, would not have the benefit of company-paid medical insurance cover, AccessHealth will help employers to keep their workforce active and healthy and, if they should become ill or injured, provide early access to investigation and treatment of the two biggest causes of sickness absence – musculoskeletal conditions and psychological issues.”