- By having flexibility, an injured or ill employee has a choice in how to progress with their treatment.
- Prompt treatment can help staff return to work faster and thus help reduce any costs associated with absenteeism.
Private Medical Insurance
For a business, the benefit of providing Private Medical Insurance (PMI) to their employees is pretty clear - prompt treatment can help staff return to work faster and thus help reduce any costs associated with absenteeism.
But sometimes an employee may not want, or be able, to pay the excess to take advantage of their PMI. This is why some PMI providers offer access to self-referred advice for some types of claim in order to help a business’ employees stay healthy and avoid, or overcome, illness and injury without the need to see a GP or specialist.
By having flexibility, an injured or ill employee has a choice in how to progress with their treatment.
A young lady had hurt her leg falling off of a horse during a riding lesson. When the pain and discomfort did not dissipate on its own, she remembered the service included on the PMI her employer provided. She also remembered she could access this particular service without first having to see her GP (& suffering the aggravation of trying to get an appointment).
She rang the claims line and was reminded that if she went to see a specialist she would have to pay the excess and possibly have to take time off of work for the appointments as well as for physiotherapy, something that she did not want to do. Luckily, her insurer also confirmed that there was a free alternative that would not hinder her from continuing to do her job and she was referred through to their specialist team of physiotherapists to be assessed.
She was provided with a series of exercises and stretches to perform every morning and evening as well as advice on how to sit at her desk. This was all done in the hope that she could ‘work out’ the injury. If things did not start to improve, then she would know that a trip to a specialist was needed and that it would be worth paying the excess.
After sticking to the stretching and exercise regime for a few weeks the young lady discovered that the pain was dissipating and her range of movement was returning, putting on socks was no longer a herculean task. She decided to keep up with the routine and made a full recovery without having to pay anything or take any days off.
This goes to show the benefit of having a PMI provider that is willing to help employees get better without having to make a claim or paying out excess fees while also helping to reduce any costs associated with that employee’s absenteeism.