98-sheet, national poster

Award: Part of Money Marketing Campaign of the Year Silver

THE FOLKS HAVING A NICE DAY ARE WITH FIDELITY.

Over 10 million investors worldwide trust us with over £300 billion of their money. That’s more than double the size of Britain’s biggest building society.

How did we get so big? We reckon performance, value and great service have something to do with it.

Our fresh way of thinking has helped to make us the largest fund manager in the world.

t’s shaped some mould-breaking products too. In the UK we were one of the first companies to launch PEPs, over 30 years ago.

We’re still committed to leading the field. Right now, we’re offering a great ISA opportunity with our International Triple Performance ISA.

It’s made up of three exceptional funds:
Special Situations voted 2010’s Unit Trust of the Decade is up 30.4% over ten years. Our European Trust, the best performing fund of all unit trusts since launch, is up 373% over ten years. And our South East Asia Trust is up 327% over ten years.

In real terms, if you’d invested £6,000 in our International Triple Performance ISA ten years ago, it would now be worth £25,660 tax-free.

So if you want the days ahead to be nicer, start this day with a call to Fidelity or your IFA.

National press

Award: Part of Money Marketing Campaign of the Year Silver

EC MONEY

Compared to European currencies the performance of the pound has been, quite literally, sterling. So not only will your money go further on holiday on the Continent, it will also go further when you invest in Europe.

There are plenty of other reasons why Europe looks a good place for your money right now.

Continental stock markets have shown recent and dramatic gains, while UK blue chips seem to have peaked. And, of course, it is never a bad time to diversify your investments abroad when home markets are volatile.

There are also special reasons to choose Fidelity. Many smaller European companies are beginning to enjoy rapid growth. And there’s no-one better to track them down than Fidelity. We have more researchers and analysts investigating more companies thoroughly than any of our competitors.

Our stock picking abilities have helped our European Trust to grow 35% in three years and our European Opportunities to grow 29% over the same time period. And both Trusts are ISAble so you can enjoy these returns tax free.

We have eleven other European funds (both UK registered and offshore) which means whether you want to invest across a range of markets or just in one country, we’ve the fund for you.

National press

Award: Part of Money Marketing Campaign of the Year Silver

TRACK (VIRGIN GROWTH: +81% IN 3 YEARS)
OR TREAT? (MONEYBUILDER GROWTH: + 96% IN 3 YEARS)

These days it seems that everyone’s a follower of Tracker ISAs. But before you jump on the bandwagon, check out the performance and the charges.

MoneyBuilder Growth is an actively managed UK Growth ISA that has consistently outperformed the FT-SE All Share Index and beaten high profile index tracking ISAs, like the Virgin Growth ISA. Over three years it has grown by 96.9% tax-free.

Good fortune? No way. We think it’s down to hard work. We build our portfolios stock by stock with our analysts and fund managers making over 46,000 company contacts all around the world every year. We believe no one explores businesses more thoroughly than Fidelity.

And we don’t stop there. Like all our MoneyBuilders this ISA comes without entry or exit charges. And its annual management fee is as low as many tracker funds, including Virgin’s.

Call us now, send off the coupon or speak to your IFA. And find out more about a fund whose performance is bewitching.

National press

Award: Part of Money Marketing Campaign of the Year Silver

AFTER THE FALL THE SPRING

Ouch. We know the stock market crash hurts. But it’s not as painful as you might think
Just take a few minutes and think carefully about your best course of action.

The ‘87 crash was nasty too. But those who gritted their teeth and kept with their investments were rewarded. Within two years the stock market had overtaken its pre-crash levels. In four years they were up by 47%.

If you study the figures you’ll also find that over any five-year period investments in the stock market invariably outperform the banks’ and building societies’ deposit accounts by a considerable amount. However, in uncertain times like these it’s more important than ever to choose a company you can trust.

Reason enough to look at Fidelity. With over £340 billion under management, we’re the world’s largest fund manager, trusted by ten million investors and institutions worldwide.
And Fidelity boast an enormous range of innovative products: from unit and investment trusts to money funds, from ISAs to offshore funds. So you can be sure that we have the investment to match your needs.

Now is an excellent time to consider what we offer too. Because, with the market at a low, stock market values are certainly more attractive than they used to be.

If you need further reassurance, please don’t hesitate to give us a call or contact your IFA.

98-sheet, national poster

Award: Part of Money Marketing Campaign of the Year Silver

THE LONG GOOD BUY
THE ISA THAT’S UP 327% OVER 10 YEARS. TAX FREE

£6,000 invested in Fidelity’s International Triple Performance ISA ten years ago would now be worthy £25,660. To find out more about an ISA that’s set to wave the others goodbye, call Fidelity today or contact your IFA.

98-sheet, national poster

Award: Part of Money Marketing Campaign of the Year Silver

Trade press

Award: Money Marketing Silver

HAVE YOUR CLIENTS’ PORTFOLIOS EARNED THEIR STRIPES?

Not since 1966 has the UK stockmarket beaten the US market over a single year. Yet most UK investors choose to ignore the US, despite it being the globe’s most entrepreneurial economy, accounting for over 50% of the world’s equities by value.

Fidelity American Special Situations Fund and Fidelity American Fund are top performers in this vital market, aiming to pick companies whose share prices could well enjoy superior future growth. Both benefit from Fidelity’s commitment to first-hand research, with a team of 280 managers and analysts in America alone making hundreds of company calls and visits each working day.

American Special Situations searches for growth stocks that may benefit from changes in economic and social trends. It’s been so successful that, over the last five years, £10,000 invested would have grown to £26,790.

Fidelity American Fund invests solely in companies that can offer the potential of long-term share price appreciation. Its manager is not restricted by guidelines on style or company size and his judgment has been rewarded by performance which ranks the fund 1st out of all unit trusts and OEICs in every sector over five years.

Call our BrokerLine or log on now. And find out about funds that are stars.

Award: Money Marketing Silver

ARE YOUR CLIENTS’ PORTFOLIOS MISSING A FEW STARS?

With its thriving entrepreneurial culture and world-renowned companies, the United States accounts for over 50% of global equity markets by value. Yet many UK investors miss out on its performance by opting for low portfolio weightings in the US.

Fidelity American Fund and Fidelity American Special Situations Fund can help redress the balance. Both aim for higher returns by identifying companies whose share prices have potential for above average appreciation. And both are well placed to benefit from Fidelity’s outstanding commitment to first-hand investment research. In America we employ over 280 investment analysts giving a level of coverage we believe no rival can match.

Fidelity American Fund invests in companies that meet the long-term strategic criteria of the manager and is not constrained by capitilisation or style guidelines. It’s an approach that has been so successful that our American Fund has beaten every fund in all unit trust and OEIC sectors over five years.

Taking a slightly different approach, the American Special Situations Fund seeks out growth stocks that the manager believes could benefit from changing economic and social trends. Over five years £10,000 invested in this fund could have grown to £25,985. Of course, past performance is no guarantee of future returns. With currently little portfolio overlap and good diversification of investment style, this combination offers excellent exposure to the US market.

Call our BrokerLine now or log on to our adviser website. And find out how these funds could play a starring role in your portfolio.

Lateral thinking made the client’s money work ten times harder.

Awards:
Campaign Gold Best Overall DM execution
Campaign Best use of Outdoor

TAXI LEAFLET COPY
DON’T LEAVE YOUR MONEY LYING AROUND. PUT IT IN A FIDELITY ISA

ISAs are the smart way to save and invest tax free. And who better to invest with them than Fidelity, the world’s largest independent fund manager? We’re dedicated to making your money make more money. We’ve 28 different ISA funds to choose from, including a Cash ISA. So take a tip from this taxi. Call now, visit our website at www.fidelity.co.uk or speak to your Independent Financial Adviser. And have an ISA day.

(Front)
For all your plans big or small.
Our personal loans can help

(Back)
A loan to fit your needs from just 7.4% APR representative
Loan options to help your plans take off.

Simple ways to borrow.
Just choose the amount you’d like to borrow and the term that you prefer, from one to seven years. Our best rates are available on loans from £7,500 to £25,000. Don’t worry, your individual quote won’t affect your credit rating.

Faster access to your money.
You’ll be pleased to know that once your application is approved the money will be in your account right away. Find out about the terms and competitive rates available to you.

Flexible ways to repay.
You can take repayment holidays or make overpayments. You can even pick which day of the month to make your repayments.

WATCH YOUR SAVINGS FLOURISH WITH OUR MONTHLY SAVER
3.00% Gross/AER Fixed for 12 months

Be sure of a steady return
Now you can feel more confident about your savings with our fixed-rate Lloyds Bank Monthly Saver. It gives you 3.00% gross/AER for 12 months.

Get a fixed return.
If you save £250 each month, you’ll earn £48.95 gross interest (£39.16 net) which will be paid to you after 12 months.
Your Monthly Saver account will then become a variable rate Easy Saver account with bonus. We’ll write to remind you before your account switches and tell you what your interest rate will be.

Freedom to move your money.
At the end of the 12 month term, you will have the option to move your money to a different account of your choice.
Even before the 12 months is up, you can make as many withdrawals as you like, although you won’t be able to replace money once you’ve taken it out.

Enjoy the best of both worlds
The Lloyds Bank Monthly Saver combines the reassurance you need from a savings plan, with the flexibility you want.
To take advantage, you just need to be a Lloyds Bank current account holder and save from £25 to £250 a month by standing order

It does exactly what it says on the tin

Of course if you don’t like the warning why not just ignore it?
After all there’s only a one in four chance you’ll die from cancer. Although the odds are higher that heart disease will kill you. In fact, if you smoke twenty fags a day, it’s fifty-fifty you’ll die directly from a smoke-related disease. So your chance of survival is similar to tossing a coin
However there’s a hundred per cent probability your smoking habit will blacken your teeth, give you bad breath, make you generally more unattractive, ruin your fitness and worsen your performance in bed

Don’t say you haven’t been warned

HOW MUCH ARE YOU COUGHING UP?
QUITLINE 0800 169 9 169

He started at an early age

If you keep smoking during your pregnancy that’s your choice.
You’ll be massively increasing your chance of having cancer, a coronary or a stroke. But you’ve made a decision that it’s worth the risk.
Your unborn baby of course doesn’t have a choice. But you’ll also be slowing his growth, lowering his weight, increasing his chance of cot death and damaging his airways.
So if you can’t quit for yourself please, please try doing it for someone else.

HOW MUCH ARE YOU COUGHING UP?
QUITLINE 0800 169 9 169

It’s not just your lungs that cigarettes affect

If you thought smoking made your more macho you could hardly be more wrong.
You see there’s a valve in your penis that traps the blood inside so you can get an erection. Every time you smoke it gets damaged. And if you don’t quit now it could stop working altogether.
So if you won’t stop smoking for your lungs or your heart, at least stop smoking for your penis.

HOW MUCH ARE YOU COUGHING UP?
QUITLINE 0800 169 9 169

Your money and your life

These days the average packet of fags cost around a tenner.
And because of the increased chance of cancer and heart disease each cigarette you smoke also takes around ten minutes off your life. That works out at three hours twenty minutes a pack.
So if you smoke twenty a day your habit is taking over £3,600 from your wallet and over 50 days from your life every year
Worth it?

HOW MUCH ARE YOU COUGHING UP?
QUITLINE 0800 169 9 169

LOOK FORWARD WITH CONFIDENCE.

TODAY
09:00: Run very first cash flow report!!
11:00: Set up payment schedule.
14:00: Order more stock from Tom.

Sage has the online software you need to manage your business better. Everything’s simple to set up and we’ll give you all the support you need.
Visit sage.co.uk/confidence

WITH CONTROL COMES CONFIDENCE

TODAY
09:30: Check inventory levels.
11:30: Follow up on leads.
15:00: Meet builder about storage plans.

When demand for your business increases, Sage can help you manage. Our solutions are easy to use, and we’ll give you the support you need.
Visit sage.co.uk/confidence

CONTROL. CONFIDENCE. SAGE.

TODAY
09:00: Review stock status.
12:00: Check latest sales projections
15:00: Create global distribution report.

However complex your business is Sage’s online software gives you the control and the insights you need to make informed decisions.
Visit sage.co.uk/confidence

ACCOUNTANTS WHO INSPIRE CLIENT CONFIDENCE.

TODAY
09:00: Run new client payroll.
14:00: Share tax return with client.
15:00: New business meeting.

Sage software lets you access your clients’ accounts from anywhere securely. It’s easy and efficient to use too, which is good news for you and your clients.
Visit sage.co.uk/confidence

50,000 years younger

Sadly, many people’s health age is higher than their real age.
This guide was written to help businesses encourage their employees live healthier lives and make them years younger. The goal was for companies across the UK to collectively make their workforces 50,000 years younger.
It suggests ways HR and business leaders can motivate their people throughout the year to stay on track.

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.

Business Healthcare cover

Can a small business afford to offer a healthcare plan to its employees?
This brochure argues it can’t afford not to.

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.

AXA PPP Global Healthcare package

This was written with the international business person in mind. It’s a plan that includes everything from a virtual doctor that patients can talk to anywhere on the globe, to an emergency flight to the nearest appropriate medical facility.

Front page
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.

48 and 96 sheet posters

Legally we weren’t allowed to say anything, other than to remind people about the ubiquity of our product.

Award: One Show commendation

How do you like your Lyons? Two sugars

How do you like your Lyons? Black

How do you like your Lyons? Smooth

How do you like your Lyons? Strong

How long is long term? The answer is another question – but not “how long is a piece of string?”

Award: Tokyo Forum Gold Medal

HOW LONG IS LONG TERM?
The answer is another question: how long do you need us for? Because, unlike other banks, The Long-Term Credit Bank of Japan will follow your business through from start to finish, until all your plans are successfully realized.

That’s a policy that has helped us become one of the world’s top 20 wholesale banks with over 60 offices around the globe.

We were originally established in 1952 to ensure a steady flow of long-term funds for industrial growth.

Now we’ve expanded to operate in Long-Term Corporate Financing Merchant Banking Services such as Project Finance, Mergers and Acquisitions, Leasing and Investment Advisory Services, as well as a full range of additional Banking services.

Why not get in touch with LTCB and find out what lengths we’ll go to for you?

How the Long Term Credit Bank of Japan supports companies when they’re start-ups, and when they are established.

Award: Tokyo Forum Gold Medal

WE’LL HELP YOU WHEN YOU’RE HERE
AND THERE
The Long-Term Credit Bank of Japan can show you, step by step, how to improve your business. We’ll look at where you are now and help you up to where you want to go.

What’s more, as our name suggests, our solutions are long-term ones. With our support, once you’re at the top you’ll be able to stay there.

The Long-Term Credit Bank of Japan was established in 1952 to ensure a steady flow of long-term funds for industry. Now our policy of encouraging the long-term growth of business has made us one of the world’s top 20 wholesale banks with over 60 offices around the globe.

We specialize in Long-Term Corporate Financing and Merchant Banking Services such as Project Finance, Mergers and Acquisitions, Leasing and Investment Advisory Services, as well as a full range of additional Banking Services.

But, whatever your interest, if you want your profits to start climbing, come in and see us.

Reassurance that the Long-Term Credit Bank of Japan will support a company for years and years to come.

Award: Tokyo Forum Gold Medal

LONG TERM SUPPORT FOR YOUR BUSINESS
The Long-Term Credit Bank of Japan offers advice to help your business grow. We’ll give you constant backing and, when you’re ready, we’ll show you how to branch into new areas too. What’s more, with our support you’ll continue to flourish.

We were established in 1952 to ensure a steady flow of long-term funds for industrial growth. Today we’re one of the world’s top 20 wholesale banks. This is the reward for our belief in following our client’s business through from start to finish: for making sure your plans are successfully realized.

We specialize in Long-Term Corporate Financing and Merchant Banking Services such as Project Finance, Mergers and Acquisitions, leasing and Investment Advisory Services as well as a full range of additional Banking Services. We also have over 60 offices worldwide, which means we can offer you both global and local support.

So, if you want to see your business grow bigger and stronger, why not try LTCB?

Here are the pitch-winning ideas

Here’s the campaign that ran