Employee benefits,compared for you

The core of most schemes. It pays hospital and surgery bills for every employee, from ward charges to the surgeon’s fee, up to the plan’s limits.

Staff see a doctor at a panel clinic and pay nothing, or a small co-pay, at the counter.

Pays for consultations, scans and tests with a specialist, usually on a GP’s referral, up to a yearly limit.

Check-ups, scaling and polishing, and fillings, paid up to a yearly limit per employee.

Pays out for injuries from accidents, and most plans cover staff around the clock, not only at work.

Sits on top of hospital cover and pays for large treatment bills, such as cancer care, once the hospital plan’s limits run out.

Pays a lump sum if an employee is diagnosed with a covered condition, such as cancer, a heart attack or a stroke.

Pays a lump sum to an employee’s family if the worst happens. Most plans also cover total and permanent disability.