UK Health Plans
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UK Employee Health Insurance for Small Businesses

At Cigna, we know that better overall employee health and well-being is better for business. When you are short on time and resources, you need an easy-to-implement and effective workplace health solution to support your employees in being healthier and happier. So they can get more out of life - and you can get the best out of them.

We are offering One Month Free*

To new SME clients who choose Cigna as their Health Partner. This offer applies to Health Flex and dental insurance plans, in UK only.

Introducing Cigna Health Flex for SMEs

Cigna Health Flex supports the many different aspects that contribute to your employees’ physical and emotional health – from their finances to their home environment and even how they sleep.

Health Flex employee health insurance offers a host of benefits to help your team perform to their full potential, including access to high-quality medical care, unlimited virtual GP consultations, a wide range of well-being services and digital tools, and fast access pathways.

With our innovative Whole Health model at the core of our plans, you can be sure we’ve thought of everything to help your small business reach its wellness goals.

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The benefits of health insurance for small business

  • Employee health insurance shows you’re committed to the health needs of your workforce, which in turn can help your business attract and retain the best and brightest talent.
  • Flexible plans with a wide range of built-in services empower your employees and their loved ones to self-manage their own health and well-being.
  • Happier, healthier employees not only perform to their full potential, they also help your business establish a positive culture of well-being that’s fit for the modern world of work.

Our Cigna Health Flex plan options for your SME

Health Flex – Level 1

Protect your employees’ health and well-being, even if you’re on a strict budget.

Health cover overview:

Our Level 1 plan includes full out-patient care and Cigna’s comprehensive range of pathways for early diagnosis and intervention.

Health Flex product guide

Key benefits:

  • Preventative Care
    To help protect employees from illness and motivate them towards healthy lifestyle choices

  • Health engagement
    Up to £350 per member per year towards a range of well-being services

  • Out-patient with full refund
    For referrals to a hospital for diagnostic tests, treatments or therapies without the need to stay overnight.

Health Flex – Level 2

Take care of your employees’ physical and mental well-being to help them stay healthy and productive.

Health cover overview:

Our Level 2 plan includes cover for both in-patient and out-patient care, as well as protection and early intervention services, to take care of your employees’ physical and mental health, and in turn, take care of your business.

Health Flex product guide

Key benefits

  • Preventative Care
    To help protect employees from illness and motivate them towards healthy lifestyle choices.

  • In-patient and day case
    Cover for treatment that requires admission to a hospital.

  • Out-patient with full refund or set maximum limits
    For referrals to a hospital for diagnostic tests, treatments or therapies without the need to stay overnight.

  • Health engagement
    Up to £350 per member per year towards a range of well-being services.

Health Flex – Level 3

Prioritise your employees’ physical and mental health and help them stay at the top of their game, with Level 3, premium benefits.

Health cover overview:

Our highest level of cover includes comprehensive cancer cover and chronic condition monitoring.

Cigna Health Flex Level 3 has been given a 4 Star Rating by Defaqto, making it among the top-rated group healthcare plans available in the market.

Health Flex product guide

Key benefits:

  • Preventative Care
    To help protect employees from illness and motivate them towards healthy lifestyle choices.

  • In-patient and day case
    Cover for treatment that requires admission to a hospital.

  • Chronic monitoring
    Consultations or diagnostic testing for routine monitoring of a chronic condition.

  • Out-patient with full refund or set maximum limits
    For referrals to a hospital for diagnostic tests, treatments or therapies without the need to stay overnight.

  • Health engagement
    Up to £350 per member per year towards a range of well-being services.

  • Cancer cover
    For cancer diagnosis and treatment at all stages of the disease.

Why choose Cigna for your SME

We’ve thought of everything to help your team feel at their best, every day.

We look at the bigger picture.

Our Whole Health model lets us look at the wide range of aspects – in body, mind and all areas of life – that make up your employees’ well-being, so we can offer more support.

We connect your employees to digital health

From innovative tools and apps to a dedicated member portal containing information about their plan – it’s all there, right at your employees’ fingertips.

We help your employees get back on track

If a medical condition arises, our experienced clinical team is ready to assist your employees with specialist support.

We give you the freedom to choose

Three levels of core cover and add-on features make it easy to choose the perfect employee health insurance plan for your small business.

What’s included in our small business health insurance plan

  • Cigna Wellbeing app®. The app makes it easier for your employees to manage their health on-the-go, with convenient access to Cigna Whole Health® services, such as GP consultations by phone or video.
  • Cancer cover. It’s important to spot the signs of cancer early. That’s why we offer your employees straightforward advice and rapid access to cancer diagnostic specialists.
  • Mental health care. Fast and convenient support to help your employees improve their mental health, with the option to self-refer for treatment.
  • Musculoskeletal care. Physiotherapist and chiropractor consultations for bone, muscle or joint pain to ensure your employees receive the most suitable course of treatment.
Team smiling
  • Employee Assistance Programme (EAP). Telephonic and/or face-to-face mental health support for employees and their families through a variety of programmes and services.
  • Well-being Choices. A platform of health and well-being services available to employees without the need for a GP referral. Services include cancer checks, health assessments, physical therapies, personal training, gym discount, nutritional therapists, and life coaching.
  • Dental plan Option. Whether it’s for routine check-ups, a scale and polish or for more complex treatments, you can help your employees manage the costs of dental care.
  • Travel plan Option. Our travel plans help protect your employees from the financial implications of common travel risks such as severe weather, sudden illness, lost luggage and delays.
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Need any help to build your plan?

Our expert advisors are on hand to help. To learn more about our health solutions, complete our short contact form.

Frequently asked questions

Making a claim for treatment is very straightforward, members simply follow the steps below.

Step 1
Whether they have a GP referral or are referring themselves for treatment, they must call their helpline on 01475 492195.

Step 2
Our Customer Services team will pre-authorise their initial consultations or treatment and advise them on next steps.

Step 3
Should further consultations or treatment be required, the Customer Services team will either pre-authorise further cover or will put them through to a nurse who will confirm cover as appropriate.

No, we offer self-referral options via our preferred providers for Physiotherapy (Nuffield Health), Mental Health (Nuffield Health), Cancer Diagnostics (Check4Cancer), Detox at Home (Archangel UK). We also offer self-referral to osteopathy or chiropractic treatment with a provider of choice.

We have a number of underwriting options available on our Health Flex palns including Continuing Personal Medical Exclusions (CPME), Medical History Disregarded (MHD), New Moratorium or New Full Medical Underwriting (FMU). Please speak to our sales team for further information.

With Health Flex Level 3, we offer a comprehensive level of cancer cover with a balanced programme of support and clinical expertise provided to those diagnosed with cancer. We’ll pay costs for active and evidence based treatment of a primary cancer or a cancer that has spread from its original site, known as secondary cancer or metastatic spread.

We may cover the costs of participating in a regulated phase III or IV clinical trial in the United Kingdom in conjunction with the commonly accepted, established and effective evidence based treatment and where there is perceived advantage to the trial treatment.

We also pay a contribution towards wigs and mastectomy bras for members undergoing cancer treatment.

It’s important to note that the cancer treatments we cover may not necessarily cure the disease but are given to control and maintain tumour size. Cover ends when this treatment is no longer effective at shrinking the cancer, stabilising it or slowing the spread of the disease and is only serving to keep the patient comfortable. At this stage a hospice donation for end of life care is available.

We offer Dental and Travel insurances as buy-up options. Speak with our sales team for further information.

Cigna Health Flex plans require a minimum of 2 employees.

Defaqto Star Rating

We’re delighted to announce that Cigna Health Flex Level 3 has been given 4 Star Rating from Defaqto, making it among the top-rated on the market.

Find out more

Defaqto-Rating_CignaHealthFlexLevel3

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