Do you have your healthcare covered?

As part of your BMF membership you’re able to access the knowledge, experience and buying power of our partners, The Private Health Partnership (PHP), who are able to offer guidance on a range of health and wellbeing products and services. 

Here, Richard Gould, Development Manager at PHP answers some common questions.

Who are PHP and why should I use them?

PHP have been assisting clients with the purchase of private medical insurance (PMI) and other health related products and services since 1989.  With an in-depth knowledge of the health and wellbeing market we pride ourselves on sourcing the best schemes to suit your specific needs. 

The benefits you’re eligible to claim will vary enormously depending on the type of cover you choose and there can be complex areas surrounding exclusions and benefit levels.  At PHP we will complete a comprehensive review of the market and offer advice on the options that we feel best suit your needs – answering any questions and addressing any concerns you may have, so you can be sure you’re making the right decision.  We pride ourselves on our commitment to provide tailor-made solutions offering independent and impartial advice. 

What are the benefits of health products?

Swifter access to healthcare could mean that you are back on your feet and fitter, faster.  This is particularly important in the current economic climate; having to take time off work whilst you wait for treatment could lead to financial difficulty. 

Health benefits can also be an excellent staff retention & recruitment tool with Occupational Health Magazine (2009) stating that access to health-related benefits and insurance is becoming more highly valued by staff.

PMI is an expense I can’t afford at the moment, are there any alternatives?

PMI is not the only option available for those looking to invest in their health.  There are a number of progressive services available that can either stand alone of complement traditional health policies. 

I have insurance and I am happy with my provider – how can I take advantage of the BMF healthcare scheme?

Should you prefer to remain with your current insurer, you can still utilise PHP’s service.  On many occasions PHP have been able to save members money, without affecting cover or claims.

If you have any further questions or would like to speak to Richard about the BMF healthcare scheme please contact him on 01274 588862 or richard.gould@php.co.uk