AXA PPP Healthcare

We’ve a plan to be years younger.
You’re committed to reaching your targets, but can you make your workforce committed too? Come lunchtime will they be eating their sandwiches at their screens or jogging round the park?

This guide is packed with ideas and suggestions to literally get your people up and running.

Our plan is to encourage meaningful and lasting lifestyle changes
Fingers crossed it will also have your employees eating better, losing weight giving up bad habits like smoking and generally living a healthier lifestyle too. Because – hopefully just like your employees – Years Younger will go the distance.

On your marks
Pledge and plan

Remember, this isn’t a sprint it’s a marathon, so prepare well by following this guide.
First, you’ll need to agree your pledge – how many years will your workforce improve its Health Age in total?

You’ll want an ambitious but achievable target.
Setting it will depend on your current health and wellbeing status and strategy.
Don’t worry if you find it hard setting a figure, just ask your account manager for help.

When you are ready, make a pledge of the number of years your organisation aims to lose on our Younger Together site and tell us why you’re getting involved.
To show recognition of your commitment to employee wellbeing, we’ll add your company to our “Who’s pledged” page.
We can also highlight your pledge on our LinkedIn page too.

Make sure we know you’ve pledged, so we can keep you updated with new tools and resources as they become available during the campaign, right up to 2020.
You’ll see other likeminded companies and how they’re achieving their targets here.

Ready, steady … and go
Launch
Direct people to the Proactive Health Gateway, so they can find their Health Age. Make the most of the launch toolkit. You’ll find it on the “Inspire your people” page on our Younger Together site or on YourHQ where you can add your own logo and Gateway details. Use the launch email template to let your colleagues know about your pledge and how they can get involved. Raise awareness around your workforce with the posters and flyers provided.

Put the banners on your intranet or use them as screensavers. Link banners to your Gateway to make it easy for people to get involved. Reinforce your message across other media too, such as employee newsletters and business social networks like Yammer. If you’ve the budget, encourage employees to pledge their own commitment by entering them into a draw with prizes like FitBits or healthy recipe books.

Make sure everyone’s talking about Years Younger
Month 1 – 2
Keep up the pace. Send reminder emails to keep people involved. Remind work employees to regularly log in to keep an eye on how they are doing. Put toolkit posters in prominent positions at work. Set up a “pledge wall” on the intranet and

use it to display how many years individuals or teams think they can lose. Be ambitious and set the bar high. Encourage senior leaders to find out their Health Age and blog how they’re going to improve it. Use our social media banners, internally and externally, to remind everyone what a great employer you are.

Raise the excitement
Month 3 – 5
Don’t slow down. People will be getting fitter and feeling healthier now.
Keep up the momentum – and the enthusiasm.
Create a place in a communal area where people can pin their pledges.
Use YourHQ to make sure the Younger Together logo goes on all your health and wellbeing communications – a great way to raise awareness.
Use the #YoungerTogether hashtag on social media channels and encourage your employees to do the same. That way, people can be inspired by tips from our expert physiologists and share ideas with employees at other pledged companies too.
Point out ways employees can improve their Health Age with our Health and Wellbeing Calendar resources.
Remind everyone to keep an eye on their progress Month 6.
Stay on track.
Organise drop in sessions to excite interest. These could focus on the Proactive Health Gateway and how to get the most out of it, or perhaps on a particular health topic.
Remind employees to check in on the Proactive Health Gateway.
Encourage them to update changes on the Health Age Calculator so they can see their progress and be motivated to keep going.
Ask your Account Manager for your Proactive Health Gateway MI report which will show any improvements in your business’ health.
Use the information to help target your health and wellbeing activity.
Update on your company’s Years Younger progress to let people know how you’re doing as an organisation.

Make sure everything looks fresh and new
Month 7 – 9
Keep everyone up to speed. Don’t be afraid to ask your employees how they‘re getting on. Prompt them to regularly check their Health Age. Use the “Little Things” campaign materials to refocus your Years Younger message

and remind people that they don’t have to make massive changes to improve their health. Put up your posters somewhere prominent at work. But change them every few weeks, so there’s always something new to engage your colleagues.

Let people know how it’s going
Month 10 – 11
Your campaign has been running almost a year, so don’t slacken the pace. Send an all-staff, email update on your company’s progress. Encourage people to go the extra mile to reach the one year milestone.

Use a topic from our Health and Wellbeing Calendar to encourage people to push themselves a little harder. Organise some onsite events or activity to bring colleagues together and get them talking.

Celebrate your progress
One year
You’ve reached the twelve month mark.
Hopefully you’ll have hit some significant targets by now too.
Use the milestone visuals to let everyone know how you’re all doing.
If you have the budget, reward your employees with something healthy like a voucher for a free exercise class, or an onsite smoothie bike.

This one will run and run
Now you’re on your second lap.
Use this guide and our Health and Wellbeing Calendar to plan for the next year.
Analyse what worked well and what didn’t.
Use our Year 2 “Try It” campaigns throughout the year to help your employees make small, sustainable changes that will last.

Use your best ideas again – they might work even better second time around, as people become familiar with initiatives.
Ask your team for feedback and ideas.  The more you involve them the harder they’ll try.
If you are likely to reach your Years Younger target before the 2020 deadline, consider adding a few years to it.

Make our Health and Wellbeing Calendar work harder for your business
Use the monthly posters to relate health and wellbeing topics back to your Years Younger message by adding your Gateway URL using YourHQ.
Remember always to add the Years Younger logo to any health promotion to keep  the focus. Pick key topics to highlight throughout the year, and arrange activities around them. For example, you could promote National Fitness Day as a special date to put in extra effort on the Years Younger challenge too.

Find the channels that work for you
Use different media to keep up the momentum
To keep the excitement going, use more than one medium. There’s lots of ways  to make Years Younger top of mind.  So mix up the channels you use. Use different messages too, to keep them fresh and relevant to where you are in your campaign.

Ask for help.
Appoint health champions in your company to spread the word.
The more volunteers you can enlist to help people get excited about Years Younger, the better.

Helping you build a stronger, healthier business
Building a business takes hard work, dedication and focus. It takes a lot of love too.
As the driving force making things happen, you’re devoted to your business and never switch off. Profit, cash-flow, finding new customers and keeping your people on top of their game are what keeps you up at night.

You need your team to be focussed, fit and healthy because you’re relying on them – they’re your most valuable asset. And as a small business, you can’t afford for anyone to be off work – including yourself – for long.

Support when you need it
At AXA PPP healthcare, we’re here to take care of you and your people when they need us the most, supporting them with healthcare cover so you can feel safer knowing their health is looked after.

Because we know every company is different, we’ll help you create a plan that suits your business and budget. You may want the option to see the right specialist to get speedy diagnosis and treatment, or mental health support for the pressures which come with your area of work. Or maybe it’s physiotherapy support you know would be beneficial to your team.

No matter what benefits you choose, everyone covered will have access to Doctor@Hand,  our online GP service, to help your team quickly get the service they need. They’ll have unlimited consultations with a doctor, wherever they are and whenever they want – and less time away from work makes great business sense.

To help you decide what’s best for you and your team, we’ve illustrated some examples on pages 10 and 11 of how you could build your healthcare plan.  And you’ll also find out more about the healthcare benefits we offer.

We’re devoted to putting good health in your hands.
Welcome to AXA PPP healthcare.

The benefits for your business
When you’ve got bold plans for your business, you need the right talent to help you realise them. Healthcare cover can help you attract the best people to your growing business and it can make it easier for you to keep them.

With healthcare cover, you’ll show your employees that you really value what they do for you. That you’re ready to invest in their health and wellbeing – and in getting them back on their feet again if they become unwell. From the IT expert upstairs who keeps every member of your team up and running, to the indispensable office manager who gets things done, they’ll know that their loyalty, dedication and willingness to go the extra mile really make a difference to your shared success.

Some of the benefits we offer, depending on the cover options you choose

Quick to get back to work
Everyone plays a crucial role in a small business. So just one person being off for a while can make it hard for you and your team to keep to the commitments you’ve made. And that can increase the pressure on you all and affect business plans.

Quick to see a doctor
With our Private GP option, your employees can choose to see a GP face to face privately, so there’s no need for them to wait for an appointment at their local practice.

Quick to book an appointment
We’ll help your employees get the care they need, fast. With our Fast Track Appointment service, we can book them in speedily with the right specialist. And because we work with over 17,000 specialists and practitioners across the UK, appointments can be at a place and a time that best suits your people.

Quick to see a mental health specialist
Mental health support can be more accessible too.
With our Stronger Minds support, that you access with the Mental Health option, there’s no need to see a GP.
If an employee feels concerned about their mental health, they can speak to and get a phone appointment with a trained expert who will assess them and guide them to the right support, so they get the help they need quickly.

Whatever your plan, these services come as standard
Unlimited access to our online GP service
Everyone covered on our plans enjoys unlimited access to our Doctor@Hand online GP Service1. That means your employees can have a 20 minute video or phone consultation, whenever they want and wherever they are: before work, in their lunch break or when the children are in bed. Doctor@Hand is delivered by Doctor Care Anywhere.

Cancer and heart care
Cancer and heart conditions touch everyone. So if one of your employees is affected, your whole team is. Our experienced nurses make sure no one has to find their way on their own.

They know all about side effects, medication and the way your employees might be feeling. They’re there for them at the end of the phone, 24 hours a day, every day of the year. And they’re there for family and colleagues, too. They’ll guide everyone through how to talk about cancer and heart conditions, what to expect and how to be supportive.

Physio support to ease the pressure
A sprained ankle from the Sunday game. Posture problems. Backache that won’t go away. Trouble with bones, joints and muscles. These are some of the most common reasons for needing time off work. With Business Health your employees can get a phone appointment with a physio in our Working Body team, to assess their symptoms and discuss next steps. They won’t need to wait to see a GP to refer them.

Healthy rewards for members
You can reward your people for putting their health first. As AXA PPP healthcare members they’ll get everything from 50% off an annual membership at PureGym3 to discounts across all products at ActivePlus, our online health store.

Answers online, and on the end of the line
Everyone wants answers they can trust. With AXA PPP healthcare membership, your team won’t need to waste time wading through the web. Our online health centres take them straight to the health information they need. We can help identify the right local support group or charity for their health concern too, with our online service delivered by Health Unlocked.

If they’d rather speak to someone to put their mind at ease, our experienced Health at Hand experts are just a phone call away, ready to answer their questions, 24/7.

Our online health & wellbeing platform
With Proactive Health Gateway your team will benefit from wellbeing support tailored to their individual goals. They can use the AXA Health Age Calculator to find out their ‘Health Age’ and follow in-depth guidance or make suggested changes to get healthier. It’s available 24/7 via our website and app.

Building your plan
Want healthcare cover that’s right for you and your business? Build it yourself.
Don’t get us wrong. We’re not asking you to create your own healthcare insurance from scratch. But we are offering you a choice of healthcare options and benefits that you can pick from, to create something that’s right for your business.

Not one size fits all
Some of your team are more senior than others, a few are absolutely essential to your business, others have been loyal employees for many years. So you may want to reward them differently.

That’s why, if you have six or more people, you can choose different bundle options. Each bundle must cover at least three employees and you can have up to six different bundles.

Choose just a single option if that suits your business
Perhaps your biggest priority is getting your staff access to quick medical help when they need it. Or maybe you only want cover for therapies like physio.
If that’s the case for you, then just buy the option you need, all on its own.
Our Employee Assistance Programmes (EAP) are only available to buy when you choose other healthcare options in your plan for at least three employees.

If you want guidance, just give us a call
From talking to our small business customers, we know that they need flexibility but can also feel a little daunted about building their own healthcare package.
If you feel that way too, don’t worry. We’re at the end of the phone if you want help to understand what your options are, and how much they will cost.

When family matters
You and your employees can also add family members to get healthcare cover at business rates.

You don’t have to be an expert
To make it simple, we’ve created some illustrations which show how your plan might look. That way, you can get a feel for a solution that might suit your business, people and budget. It’s a great starting point to work out the type of cover you might need, but is flexible so you can pick and choose whatever benefits are right for you.

Plan costs are representative as of April 2019, and prices will vary depending on location, cover options and ages. *Pricing is based on a group of 6, aged 25, 30, 35, 40, 45 and 50, living in Milton Keynes, paying yearly with an excess of £100 and a two-year moratorium

Bundle example A for diagnosis and support
If you or your employees need to see a doctor, you can use our online GP service, Doctor@Hand, to speak to a GP whenever you want, wherever you are. With our Diagnostics option, they’ll be able to refer you to a specialist for a consultation or tests to find out what’s causing the problem.
Anyone who needs treatment for a bad back or niggling shoulder pain can have hands-on care with a therapist if they need it with our Therapies option.
And with our Employee Assistance Programme (EAP) service, your employees can talk over the phone to a professional counsellor about any stresses or worries they might have, such as problems with a relationship or a financial concern.

Bundle example B for diagnosis and treatment
If your business is more established, then step up to a bundle like this.
It has everything in bundle example A.
What’s more, with our Treatment and Out-patient options, if someone in your team falls ill, they can choose from a long list of private hospitals for their treatment.
They’ll also get follow-on consultations with a specialist.

Bundle example C for diagnosis and treatment at any UK hospital of your choice
If you are a bigger company, or want your key people to enjoy the benefits of fuller healthcare cover, this could be the right choice for you.
It includes all the cover in the other bundle examples, so your employees can quickly find out what’s wrong. However, with this bundle, they can also be treated at their preferred UK hospital – the choice is unlimited.
And what’s more, this bundle also offers mental health support with consultations with a mental health specialist and treatment in a private hospital.
You and your staff will even get cashback on dentist and optician visits throughout the year.

Managing the costs
Investing for the future while managing your bottom line. It’s what makes you good at business. Here are some ways you can manage your subscriptions.

Pay up front
A simple way to save 5%. Pay your subscription yearly instead of monthly. Select the Six-week option

Select the six-week option
If you have the Treatment, Diagnostics or or the Mental Health option, and your employee can get eligible treatment on the NHS within six weeks of the date they should have treatment, they use this route. If they need to wait more than six weeks, they can go private straight away. You could save up to 20% a year and you’ll still get your people back to work quickly.

Pay less for using specialists that we have sourced
If you choose our Guided option, your people will use our Fast Track Appointment service every time they need to see a specialist. We’ll do the work for them — sourcing up to three specialists, who focus on their condition. We’ll book the appointment they choose at a time and place that’s right for them. This option can’t be taken out with our Extended Cover option.

Fix your subscription for two years
Feel reassured that you’ll know exactly how much you’ll be investing in each employee for a couple of years. Tax changes may still apply.

Choose an excess
Depending on what you choose for your plan, you may be able to reduce your annual subscription by including an excess of between £50 to £750 per employee

Choose your underwriting options
You can also decide how you’ll cover your team members for any conditions they might have before joining us. These underwriting options will depend on the options that you choose and will affect the cost of your plan in different ways.

Fully underwritten
Your employees get the private healthcare cover that means so much to them, but pre-existing medical conditions aren’t covered.

Two-year moratorium
We’ll cover any pre-existing medical conditions your employees have after two years of cover, as long as they have been completely free from advice, treatment or a special diet for the previous twelve months.  Obviously, we’ll also take care of any new health concerns that begin while they are with us too.

Continuing medical exclusions
If you’re coming from another provider, you can ‘lift and shift’ any underwriting you had with your previous health insurer across to your new plan. The terms and conditions for your new plan will apply.

Medical history disregarded
We cover your hard-working employees for pre-existing medical conditions, subject to your membership terms. Available if you’re looking to cover 15 people or more.

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How we support you and your people
We’re devoted to caring for you and your team, and to be there when you need us most.

Support for you
Your time is important to you, so it’s important to us. As your business grows, we’ll help make sure the time you spend looking after your team’s health doesn’t grow too.

Experts who know how busy you are
When you need to call us about your plan, you’ll get straight through to an account manager from our small-business team (8.30am to 5.30pm).

Quick access to all your important paperwork
When you join us, you’ll find your company membership information ready for whenever you need it, on our Group Health hub.
Log in to see your plan, or to check documents, like your membership handbook, and information about the services members can enjoy.

Never miss a small-business insight
Find the latest insights and information about keeping your employees (and your business) healthy at our online hub for SMEs at axappphealthcare.co.uk/ smallbusinessadvice

Support for your team
Your people are your greatest asset. Our cover helps you to invest in their health and makes them feel valued.

No need to go through you
Their plan is all set up. We’ll send them a series of emails in their first year to help them learn about their benefits, our services and how to get in touch with us.

We’ll also point them towards their secure Member Online portal. Whether it’s a health issue that’s troubling them, a detail on their plan, or the progress of a claim they want to check – they’ll find the support and information they’re looking for.

Pre-authorisation to simplify claims
Whether it’s surgery to fix a bad knee, physio to ease their aches and pains or a diagnostic MRI scan that could put their mind at ease: if your employees are planning to claim, we ask them to check with us first.

Our expert personal advisers can confirm the cover that’s available straight away. So you and your employees will know they’re covered before receiving treatment, saving time down the line.

Expert help, any time of the day
We’re medical experts and we’re here to support your team. If someone has a health worry – whether it’s a question about medication or a niggling cough – they just need to pick up the phone and speak to us at Health at Hand.

They’ll be able to discuss their symptoms with a nurse, check their medication with a pharmacist, talk to a counsellor about how they’re feeling, or ask a midwife about their pregnancy. The faster it’s sorted, the sooner they’ll feel better and be back at work.

When they want a second opinion
If a member of your team is unhappy with a diagnosis – and you’ve chosen a diagnosis or an out-patient option as part of your plan – we can arrange for another specialist to go through everything with them.

They’ll either confirm what the doctor has said or suggest a different course of action, helping to put their mind at ease.

When they want to live a healthier life
It’s not just about support in ill health. With AXA PPP healthcare cover you can feel healthier every day. That’s great for your business, because healthier people are better motivated and more engaged with their work.

Your team will be able to take out half price PureGym membership* or enjoy discounts at Nuffield and British Military Fitness gyms.

They’ll also receive discounts across a range of products available on AXA ActivePlus, our online health store. It offers your employees a huge variety of the smartest health products on the market, from blood marker tests to the latest wearable tech, making good health for your team more achievable than ever.

A closer look at your cover
Getting good care. Feeling supported. Being seen by a specialist sooner. Ask your employees what private healthcare cover means to them and they’re likely to describe it in terms like these.

At AXA PPP healthcare, we offer all the benefits your employees would expect from their healthcare cover – plus incentives to support their health and wellbeing for as long as they’re with us. Choose the cover options that are right for your business and your budget.

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MORE OF WHAT MATTERS

Sometimes we could all do with a little extra support or a helping hand. We’re here to give you just that. This helpful guide will explain all of the services available to you as part of your plan and how you can make the most of them.

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The doctor will see you now

With the virtual doctor service, you have reassurance and advice that you can trust from an independent doctor at a time and a place that suits you. You can have virtual appointments over the phone or by video consultation with an internationally qualified doctor who speaks your language. And because it’s unlimited, you can use it as often as you need to.

How it works
We’re working with a highly experienced global provider, Advance Medical, to make sure you get expert support, advice and a medical diagnosis you can trust. If you need medication, the doctors can also provide prescriptions – depending on what it is you need and where you are. They can even give you a referral if you need to see a specialist. Anyone covered by your plan can use the service, but if you have children who are under 18, you’ll need to book the consultation and be there with them to speak to the doctor. You don’t need to make a claim for a consultation with a virtual doctor,  so you can use the service as often  as you like – it won’t affect any of  your benefit limits. But if you do need any further treatment, please contact AXA to make sure it’s covered by your health plan.

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Get the treatment you need, when you need it
Finding a doctor when you’re ill can be tricky, and if you’re somewhere unfamiliar, it can cause even more uncertainty. We’ve made things easier with MyGlobe.

How it works
Wherever you are in the world, you can search our global network of hospitals and clinics so that you can get the treatment you need, when you need it. We have AXA Select medical providers in nearly 150 countries and provide access to over 1 million healthcare facilities. By seeing a provider in this network, in most cases we can pay the bills for inpatient or day case admissions directly so you’re not out of pocket. As well as helping you find treatment fast, MyGlobe gives you up-to-the-minute information about the country you’re in or travelling to, such as the local emergency number, vaccinations you might need, disease outbreaks and security alerts. So if anything happens that could put you at risk, you’ll know immediately.

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Care and support around the clock
If you have any health questions or concerns, you don’t need to face them alone. With access for you and your loved ones to our health information helpline, Health at Hand, advice is available 24/7 helping to put your mind at rest.

How it works:
If it’s the middle of the night and  your mind just won’t settle, the team of experienced nurses and counsellors will be there to give you a helping hand and that extra reassurance.* If you have questions about your pregnancy or baby, the team of midwives are there to help.**

You can discuss your symptoms with a nurse, check your medication with a pharmacist, talk to a counsellor or just check something with a midwife – whatever you need, our medical professionals are here to put your mind at ease – so you’re not worrying a minute more than you have to.

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Reassurance wherever you are in the world
Getting the right diagnosis is essential if you’re to receive the right treatment  and care. Sometimes, when it’s a complex or life changing diagnosis, you’ll want to know that every option has been explored before making any big decisions. That’s why we’ve teamed up with independent medical experts to provide a  full review of your diagnosis and treatment plan, giving you extra reassurance  when you need it most, wherever you are in the world.

How it works:
When you use the second opinion service we’ll put you in touch with independent health consultants, who offer you a reassessment of your initial diagnosis – and much more. With your permission, your dedicated Case Manager will gather all of the necessary medical reports and test results from your previous treatment. They’ll manage your case as it’s reviewed by the world leading specialists.

If you’re interested in using this telephone consultancy service and want to find out if you’re eligible, call us on your usual helpline number.

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Extra support when you need it most
Receiving an unexpected diagnosis can leave you feeling overwhelmed – and being far from home can make this diagnosis all the more frightening. With cancer cases on the rise around the world, we want to be there for our customers throughout their care and treatment. That’s where our dedicated Cancer Case Managers can help. They’re here to provide extra support for you when you need it most.

How it works:
You’d be assigned your own AXA Cancer Case Manager who can work with your treating specialist to manage your claim and be a dedicated point of contact throughout your treatment. They’ll take care of your appointment bookings, paperwork and invoices, giving you one less thing to think about.

If you have been diagnosed with cancer and would like to find out more about this service, get in touch with us anytime on your usual helpline number. Alternatively, you can send us a message via the inbox on Customer Online.

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We’re with you all the way
In an emergency, you need to know that you can access the treatment you need, and fast. Therefore emergency evacuation and repatriation is included as part of your global healthcare plan.

How it works:
If you find yourself in an emergency and need immediate in-patient treatment that’s not available locally, we’ll organise for you to be evacuated to the nearest medical facility where you can access the care you need. Whether it’s a short drive or an international flight away, we’ll get you there quickly and safely. When you’re feeling better, we’ll get you back home safe and sound. Should you need to use this service, simply call our Emergency Assistance Centre on: +44 (0) 1892 513 999.*

If you can’t call us, the hospital or someone you’re with can call us on your behalf – they’ll just need your membership details. Our agents are on hand 24/7 to  help and will be able to take the details of where you are and where you need to get to. You’ll be kept updated throughout the whole process, right up until you’re back home and recovering.

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Wherever life takes you, we’re by your side
With new adventure comes a whole host of new experiences and questions.  You want to be as prepared as possible before you set off, and know that you have somewhere to go and someone to ask when these questions come up. That’s why we’ve worked with experts to bring you our World of Wellbeing hub, a new and growing home of information and experience all in one place, to  help you navigate life in a new country.

Global access to healthcare
In this section of the hub you’ll find guides and articles about how healthcare works around the world, as well as useful tips and checklists to clarify anything you’re unsure of.

Expat lifestyle
Here we have insight from experienced expats about how to tackle the challenges that moving to another country can bring to family life, relationships and mental health.