Annual Travel Insurance

ANNUAL TRAVEL INSURANCE

Covers business and recreational travel worldwide, including medical benefits, baggage, cash, passport etc.

P11D benefit?Yes

CASH PLANS

Contributes towards the cost of some common health related activities, including dental and optical check-ups, out-patient consultations and some tests.

P11D benefit?Yes

CRITICAL ILLNESS INSURANCE

Pays a lump sum benefit (typically expressed as a multiple of salary) in the event that an employee suffers one of the named medical events or undergoes one of the named medical procedures.

P11D benefit?Yes

CRITICAL ADVANTAGE

Provides a second opinion medical service, backed up by £ 1,000,000 of cover if the recommended course of treatment can be provided overseas.

P11D benefit?Yes

DENTAL INSURANCE

Typically pays a percentage of any dental costs incurred, including routine dental activities. Treatment can take place via NHS or privately

P11D benefit?Yes

EMPLOYEE ASSISTANCE PROGRAMS

Allows employees access to on-line, telephone and face to face assistance with legal, financial, and other day-to-day problems, including counselling if required

P11D benefit?No

HEALTH SCREENS

Allows employees to receive a health check, including diagnostic testing, and typically an informal discussion with a health professional regarding any matters of concern

P11D benefit?No

HOSPITAL TREATMENT INSURANCE

Covers the cost of non-urgent treatments (excluding cancer, psychiatric and heart related incidents) on a fixed price basis. Responds to specified medical conditions, and has a single treatment cap as well as a lifetime limit, but costs a fraction of full private medical insurance.

P11D benefit?Yes

INCOME PROTECTION INSURANCE

Pays a monthly benefit of up to 80% of earnings to any employee who is incapacitated and hence unable to perform their normal work activities. Benefit payments commence after a minimum waiting period of 13 weeks, and can continue right through to the member’s normal retirement age.

P11D benefit?No

LIFE ASSURANCE

Pays a lump sum benefit in the event of the death of an employee. Cover is in place 24/7 with no geographic or activity related exclusions.

P11D benefit?No

OCCUPATIONAL HEALTH

Workplace assessments to help ensure legal compliance, reduced absenteeism and enhance productivity.

P11D benefit?No

PERSONAL ACCIDENT INSURANCE

Pays a lump sum (typically expressed as a percentage of salary) in the event that an employee is killed or injured (in certain specified ways) as a result of an accident.Will also pay a weekly benefit for up to two years if the accident renders the members disabled.

P11D benefit?Yes

PRIVATE MEDICAL INSURANCE

Covers the cost of consultations, diagnostic tests and treatment, at a selection of private hospitals throughout The UK, ensuring prompt treatment and minimal disruption to the employee’s working pattern.

P11D benefit?Yes

INTERNATIONAL MEDICAL INSURANCE

As for private medical insurance, but for UK and foreign nationals working overseas and away from their country of residence.

P11D benefit?Depends on employee’s UK tax status

GROUP LEAVER SERVICE

Bespoke quotes for employees leaving your group private medical scheme, both from the existing insurer and from a selection of other insurers. Personalised guidance and advice at all stages.

P11D benefit?No

IHC REWARDS

On-line discount site which allows employees to make day-to-day purchases from well known retailers at prices not available to the general public.

P11D benefit?No

55 Fore Street, Callington, PL17 7AQ Tel: 020 7427 0659

IHC Limited Registered Office 80 Fleet Street London EC4Y 1ET
Incorporated in England & Wales Registered Company Number 02739550