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HSA goes for screen test

HSA is revamping its Workwell group healthcare cash plan from April by adding occupational health and health screening options.

Research carried out by HSA found that over two thirds of companies believe an occupational health or health screening service would save them money but less than half provide these services because of the cost. HSA’s plan aims to provide access these services at an affordable price.

Employers can select the only existing core benefits – which have been updated – or they can combine these with occupational health and health screening modules at a slightly higher premium.

The Workwell plan is split into two options. Option one provides a core range of benefits including dental, optical, consultation and diagnostics, various therapies including physiotherapy and acupuncture, maternity/paternity benefit, a 24-hour helpline and face-to-face counselling sessions. Option two focuses on dental and optical benefits. Both options can be combined with the occupational health and health screening benefits.

There are three levels of cover for both options. Option one premiums start at £6 a month for the core benefits and £10 a month if occupational health and health screening is included. Option two premiums start at £5 for core benefits or £9 a month with occupational health and health screening.

Providing employee assistance programmes and wellbeing type benefits is a trend among cash plan providers as they try to appeal to employers who are keen to reduce sickness absence among their workforce.

Healthsure has a similar plan with four levels of cover. Premiums start at £9.95. The dental and optical benefits are higher with Healthsure but on the downside it only covers half the cost of various therapies while Workwell covers 75 per cent. The Healthsure plan also has more benefits, including a range of cash benefits for a hospital stay. However, employers – particularly smaller companies – may prefer HSA’s focus on benefits that are most likely to be used.

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