Which full refund out-patient cover option is right for your SME client?

17 April 2019

With our full refund on out patient treatment cover options, employees can be reimbursed for prescription medication, diagnostic tests and charges for medical practitioner consultations. So your clients can ensure their employees can access the treatment they need to get them fit to work, without them being left out of pocket.

But which option is right for your client? 
We know selecting the right level of cover is important to both the business and their employees. Whilst it's important businesses aren't paying for benefits their employees don't yet need or use, it's also crucial to provide attractive packages that'll help attract and retain talent.

Depending on budget and employee needs, you can offer your clients with groups of 2-49 employees two full refund options for out-patient treatment to choose from.

Customise our most popular level of cover 
Help your clients to balance their budget whilst providing valuable benefits to their employees by selecting our Comprehensive level of cover. Encourage them to customise their plan to include the extended out patient upgrade to give their employees access to a full refund up to their overall policy limit on the following benefits:

  • Out-patient drugs & dressings
  • Out-patient consultations
  • Out-patient diagnostic tests
  • Up to 30 sessions of psychiatric treatment
  • Up to 35 sessions of physiotherapy treatment

Select more extensive cover with Prestige Plus 
If your client is looking to provide their employees with more extensive benefits with their out patient cover, they may wish to consider Prestige Plus. With cover containing valuable benefits for business, employees have access to the full refund out patient options as listed above, as well as:

  • Increased overall policy limit
  • Greater allowances for vaccinations and complimentary practitioner charges
  • Extended cover for Chinese herbal medicine
  • Routine pregnancy and childbirth
  • Routine dental treatment
  • Travel insurance
  • An annual contribution towards a health check

When the cost of healthcare varies so much from country to country, it's important for small businesses to know their employees have access to treatment wherever they are in the world. Whichever of our two full refund on out patient treatment options your client chooses, they'll have the reassurance of knowing their employees can get the treatment they need.

For intermediary use only.