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href="https://cc-healthcare.co.uk/2024/01/26/uptake-of-private-health-insurance-continues-to-rise/" title="Uptake Of Private Health Insurance Continues To Rise"> <img width="741" height="293" src="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2024/01/iStock-1548203309.jpg?resize=741%2C293&ssl=1" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="Private health insurance" decoding="async" srcset="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2024/01/iStock-1548203309.jpg?resize=741%2C293&ssl=1 741w, https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2024/01/iStock-1548203309.jpg?zoom=2&resize=741%2C293&ssl=1 1482w" sizes="(max-width: 741px) 100vw, 741px" data-attachment-id="6399" data-permalink="https://cc-healthcare.co.uk/doctor-fills-out-the-medical-survey-paperwork-and-checking-mark-on-checkboxes/" data-orig-file="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2024/01/iStock-1548203309.jpg?fit=2121%2C1414&ssl=1" data-orig-size="2121,1414" data-comments-opened="1" data-image-meta="{"aperture":"0","credit":"Getty Images","camera":"","caption":"Doctor fills out the medical survey paperwork and checking mark on checkboxes.","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"Doctor fills out the medical survey paperwork and checking mark on checkboxes.","orientation":"1"}" data-image-title="Private health insurance" data-image-description="" data-image-caption="<p>Private health insurance</p> " data-medium-file="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2024/01/iStock-1548203309.jpg?fit=300%2C200&ssl=1" data-large-file="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2024/01/iStock-1548203309.jpg?fit=760%2C507&ssl=1" /> </a> </div> <div class="entry-text"> <header class="entry-header"> <div class="entry-meta"> <span class="screen-reader-text">Posted on</span> <a class="entry-date-wrapper" href="https://cc-healthcare.co.uk/2024/01/26/uptake-of-private-health-insurance-continues-to-rise/" rel="bookmark"><time class="entry-date published" datetime="2024-01-26T10:54:02+00:00">January 26, 2024</time><time class="updated" datetime="2024-01-26T10:54:03+00:00">January 26, 2024</time></a> </div> <h2 class="entry-title"> <a href="https://cc-healthcare.co.uk/2024/01/26/uptake-of-private-health-insurance-continues-to-rise/" rel="bookmark" title="Uptake Of Private Health Insurance Continues To Rise">Uptake Of Private Health Insurance Continues To Rise</a> </h2> </header> <div class="entry-summary clearfix"> <p>King Charles and the Princess of Wales were in the news last week for receiving medical treatment and we can be reasonably confident that they weren’t treated to the experience of an NHS waiting list!</p> <p>But you don’t have to be royalty to be seen and treated quickly. Private healthcare can expedite treatment for conditions that you could ordinarily wait months for. In fact, for many, private healthcare is no longer even seen as a luxury item. Almost seven million adults in the UK now have private medical insurance according to Financial Conduct Authority (FCA) figures. And this number has grown by about a million since the FCA first started monitoring these figures five years ago.</p> <p><strong>What Is Private Health Insurance?<br></strong>Private health insurance is a policy paid monthly or annually to cover the cost of potential medical treatment received outside of the NHS. Policies can vary but may include GP consultations, tests, scans, physiotherapy, operations, mental health and even dental and optical services in some cases.</p> <p>Unsurprisingly, the more benefits included, the higher the cost of the premium. And just like household or car insurance, the more you claim, the more expensive your renewal premium will be. And given that ageing tends to go hand-in-hand with increasing chances of ailments, the older you get, the more a premium will increase.</p> <p><strong>Why Are More People Taking Out Private Health Insurance?<br></strong>There are multiple reasons for this growing demand. Certainly, the pain of condition and the impact on earnings of having time off work are playing a role. But the single biggest factor is the long wait many experience for NHS treatment. NHS figures show that the waiting list for treatment in November 2023 (the most recent data) was 7.6 million people.</p> <p>Even the demographic of people taking out health insurance has changed since the pandemic. Whereas the average age of customers was in their 50s, they’re now in their late 30s.</p> <p>Employers too, are contributing to this changing demographic, by including private health insurance as part of benefits packages to help keep employees healthy, as well as retaining and attracting staff.</p> <p><strong>Always Use An Insurance Broker<br></strong>Given the complexity of policies and the differences in clauses, it’s often not clear to a customer if they are comparing apples with apples. An insurance broker will be able to manage this process on a customer’s behalf. The benefit here is that a broker can ensure someone gets the policy they need and that it meets the needs of individuals and businesses.</p> <p><strong>How To Bring The Cost Of Premiums Down<br></strong>Insurers provide the means to tailor cover and their potential exposure, which can decrease the cost of premiums. For example, the size of the excess can be increased; a cap could be placed on the value of consultations or outpatient treatments. Shared responsibility is also an increasingly popular route, particularly through WPA. This means that the client agrees to pay a percentage of costs up to an agreed limit, after which the insurer pays all costs.</p> <p><strong>Private Health Insurance – The Right Solution?<br></strong>In conclusion, many people are finding that a broker-sourced, private health insurance policy can not only provide reassurance but also a speedy solution to addressing a health issue.</p> <p>The unknown consequences of waiting to investigate or having a procedure can result in avoidable mental, physical and financial outcomes. So, whilst there is a cost attached to taking out any insurance, increasing numbers of adults in the UK are now asking themselves, what would be the cost of NOT taking out private health insurance?</p> <p>Take a look at our website to learn more about us and our experience in private healthcare insurance.</p> </div> </div> </article> <article id="post-5755" class="post-5755 post type-post status-publish format-standard has-post-thumbnail hentry category-news tag-cc tag-healthcare tag-insurance-brokers tag-pmi tag-private-medical-insurance"> <div class="entry-media"> <a href="https://cc-healthcare.co.uk/2023/02/24/private-medical-insurance-and-group-cover-no-longer-luxury-items/" title="Private Medical Insurance and Group Cover No Longer Luxury Items"> <img width="741" height="293" src="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2023/02/people-queue.jpg?resize=741%2C293&ssl=1" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="Private medical insurance (PMI) no longer a luxury item" decoding="async" loading="lazy" srcset="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2023/02/people-queue.jpg?resize=741%2C293&ssl=1 741w, https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2023/02/people-queue.jpg?zoom=2&resize=741%2C293&ssl=1 1482w, https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2023/02/people-queue.jpg?zoom=3&resize=741%2C293&ssl=1 2223w" sizes="auto, (max-width: 741px) 100vw, 741px" data-attachment-id="5757" data-permalink="https://cc-healthcare.co.uk/2023/02/24/private-medical-insurance-and-group-cover-no-longer-luxury-items/people-queue/" data-orig-file="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2023/02/people-queue.jpg?fit=3265%2C2449&ssl=1" data-orig-size="3265,2449" data-comments-opened="1" data-image-meta="{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"(c) Mike_kiev | Dreamstime.com","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0"}" data-image-title="Private medical insurance" data-image-description="" data-image-caption="<p>Private medical insurance no longer a luxury item says Manchester insurance broker</p> " data-medium-file="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2023/02/people-queue.jpg?fit=300%2C225&ssl=1" data-large-file="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2023/02/people-queue.jpg?fit=760%2C570&ssl=1" /> </a> </div> <div class="entry-text"> <header class="entry-header"> <div class="entry-meta"> <span class="screen-reader-text">Posted on</span> <a class="entry-date-wrapper" href="https://cc-healthcare.co.uk/2023/02/24/private-medical-insurance-and-group-cover-no-longer-luxury-items/" rel="bookmark"><time class="entry-date published" datetime="2023-02-24T13:57:26+00:00">February 24, 2023</time><time class="updated" datetime="2023-02-24T13:57:27+00:00">February 24, 2023</time></a> </div> <h2 class="entry-title"> <a href="https://cc-healthcare.co.uk/2023/02/24/private-medical-insurance-and-group-cover-no-longer-luxury-items/" rel="bookmark" title="Private Medical Insurance and Group Cover No Longer Luxury Items"><strong>Private Medical Insurance and Group Cover No Longer Luxury Items</strong></a> </h2> </header> <div class="entry-summary clearfix"> <p>Private medical insurance (PMI) and Group Cover have often been regarded as luxury insurance when compared to the <em>free</em> services provided by the NHS. But the NHS has always been a form of medical insurance. We pay our premiums through taxes in the hope that we never have to use it. Although inevitably everyone calls upon the NHS at some point.</p> <p>Equally, we can’t be surprised that, despite being a national treasure, if the insurance we’ve come to rely upon is showing signs of struggle, then alternative forms of cover will begin to fill that demand. And right now, <em>struggle</em> doesn’t even come close.</p> <p>Latest data from NHS England showed the number of people waiting to start routine treatment at the end of November 2022 remained at a record 7.2m. If the NHS was a patient, it would be in intensive care. It was already straining with growing wait times before the Covid-19 pandemic and now a cost of living crisis has led to many NHS workers struggling to make ends meet and taking strike action. Hence the growing change in the perception of Private Medical Insurance (PMI) amongst the general public. It appears to be shifting from a luxury item to something people are now willing to consider, in order to be seen and treated more quickly. </p> <p>In the summer of 2021, the LifeSearch Health, Wealth and Happiness Index showed one in 10 Britons had taken out private medical insurance (PMI) due to increased NHS waiting times. Last month (Jan 2023) the Office for National Statistics indicated that approximately one in eight adults it surveyed had paid for private medical care due to excessive NHS wait times.</p> <p>In particular, cancer, musculoskeletal problems, and mental health concerns were the three conditions most referred in 2022 according to RedArc with cancer and musculoskeletal issues up by 18% and 19% respectively in 2022 compared to the previous calendar year.</p> <p>If left unaddressed, it’s these conditions that will prove costly for individuals, businesses and UK plc in general, in terms of health, well-being, productivity and cost of support. Providers are certainly recognising that they have a role in addressing the growing needs of the UK’s growing population, particularly in the outpatient arena. Equally, they are adapting products and services to increase their focus on well-being, in addition to their core clinical medical offering.</p> <p>C&C Healthcare has been sourcing and providing appropriate medical and protection insurance solutions for clients for over 8 years and we are adept at creating tailored packages regardless of company size or sector. Carmen Dunnigan and Paul Lewis, both Directors at C&C Healthcare, have each been in the industry for over 30 years, so fully appreciate there is no <em>one-size-fits-all</em> solution to addressing the human and business cost of the NHS crisis. But there can be no doubt that the crisis exists and won’t just disappear, even if there is a change of Government at the 2024 General Election. However, the private sector is adapting at speed, in being able to provide essential support alongside the much-loved but hugely strained, NHS healthcare system.</p> <p>If you would like to discuss any aspect of individual or company private medical insurance, or indeed any form of group protection cover, please get in touch via the <a rel="noreferrer noopener" href="https://cc-healthcare.co.uk/contact-us/" data-type="URL" data-id="https://cc-healthcare.co.uk/contact-us/" target="_blank">contact page</a> on this site and Carmen, Paul or any one of our friendly team will be happy to discuss your needs.</p> <p>Image © Mike Kiev | Dreamstime.com </p> <p>C&C Healthcare Ltd is an Appointed Representative of C&C Insurance Brokers Ltd</p> </div> </div> </article> <article id="post-5741" class="post-5741 post type-post status-publish format-standard has-post-thumbnail hentry category-news tag-cc tag-healthcare tag-income-protection-insurance tag-insurance-brokers tag-private-medical-insurance"> <div class="entry-media"> <a href="https://cc-healthcare.co.uk/2023/02/06/cc-healthcare-completes-move-into-new-home/" title="C&C Healthcare Completes Move Into New Home"> <img width="741" height="293" src="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2023/02/CCHealthcare-Halfpenny-House.jpg?resize=741%2C293&ssl=1" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="C&C Healthcare provide private medical insurance, group income protection and life cover" decoding="async" loading="lazy" srcset="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2023/02/CCHealthcare-Halfpenny-House.jpg?resize=741%2C293&ssl=1 741w, https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2023/02/CCHealthcare-Halfpenny-House.jpg?zoom=2&resize=741%2C293&ssl=1 1482w, https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2023/02/CCHealthcare-Halfpenny-House.jpg?zoom=3&resize=741%2C293&ssl=1 2223w" sizes="auto, (max-width: 741px) 100vw, 741px" data-attachment-id="5743" data-permalink="https://cc-healthcare.co.uk/2023/02/06/cc-healthcare-completes-move-into-new-home/cchealthcare-halfpenny-house/" data-orig-file="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2023/02/CCHealthcare-Halfpenny-House.jpg?fit=3024%2C4032&ssl=1" data-orig-size="3024,4032" data-comments-opened="1" data-image-meta="{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0"}" data-image-title="CCHealthcare Halfpenny House" data-image-description="" data-image-caption="<p>Private medical insurance, group income protection and life and critical illness cover at C&C Healthcare insurance</p> " data-medium-file="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2023/02/CCHealthcare-Halfpenny-House.jpg?fit=225%2C300&ssl=1" data-large-file="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2023/02/CCHealthcare-Halfpenny-House.jpg?fit=760%2C1013&ssl=1" /> </a> </div> <div class="entry-text"> <header class="entry-header"> <div class="entry-meta"> <span class="screen-reader-text">Posted on</span> <a class="entry-date-wrapper" href="https://cc-healthcare.co.uk/2023/02/06/cc-healthcare-completes-move-into-new-home/" rel="bookmark"><time class="entry-date published" datetime="2023-02-06T16:24:04+00:00">February 6, 2023</time><time class="updated" datetime="2023-02-06T16:24:05+00:00">February 6, 2023</time></a> </div> <h2 class="entry-title"> <a href="https://cc-healthcare.co.uk/2023/02/06/cc-healthcare-completes-move-into-new-home/" rel="bookmark" title="C&C Healthcare Completes Move Into New Home"><strong>C&C Healthcare Completes Move Into New Home</strong></a> </h2> </header> <div class="entry-summary clearfix"> <p>C&C Healthcare has just completed the finishing touches in announcing its presence at its new headquarters in Romiley. It was back in September when Carmen Dunnigan, Paul Lewis and their team took up residence at Halfpenny House, but it was only recently that the external signage was completed, announcing their arrival to the outside world.</p> <p>The team of nine are working on a hybrid basis with two days in the office and three at home, with a minimum of three members of staff being in the office at any one time.</p> <p>In addition to Private Medical Insurance, Cash plans, and Dental and Wellbeing Programs for clients, C&C Healthcare are specialists in providing Group Income Protection, Life and Critical Illness cover, in addition to Key Person and Shareholder Protection cover.</p> <p>Despite the challenging economic climate, C&C Healthcare continues to grow on the back of clients from C&C Insurance Brokers wanting to take up and offer cover for employees, leads from introducers and of course from client referrals.</p> <p>Paul says: “We’re thrilled to have Halfpenny House as our HQ but the sign going up feels like we’ve finally completed the process of making it <em>the home of Healthcare</em>. It feels timely too, that it’s happened at the beginning of the year – it’s a fresh start with plenty of opportunities ahead. There will be challenges too, but now, more than ever, businesses will be looking at how best they can retain their teams; and employees will be looking at how they can protect themselves and their families, financially and medically. As such, we’re predicting that 2023 will be a significant year for growth in Protection and Healthcare business.”</p> </div> </div> </article> <article id="post-5666" class="post-5666 post type-post status-publish format-standard has-post-thumbnail hentry category-news tag-cc tag-healthcare tag-insurance-brokers tag-pmi tag-private-medical-insurance"> <div class="entry-media"> <a href="https://cc-healthcare.co.uk/2022/11/01/national-stress-awareness-day-highlights-the-benefits-of-private-medical-insurance/" title="National Stress Awareness Day Highlights the Benefits of Private Medical Insurance"> <img width="741" height="293" src="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2022/11/AdobeStock_349104210-cropped.jpg?resize=741%2C293&ssl=1" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="" decoding="async" loading="lazy" srcset="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2022/11/AdobeStock_349104210-cropped.jpg?resize=741%2C293&ssl=1 741w, https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2022/11/AdobeStock_349104210-cropped.jpg?zoom=2&resize=741%2C293&ssl=1 1482w, https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2022/11/AdobeStock_349104210-cropped.jpg?zoom=3&resize=741%2C293&ssl=1 2223w" sizes="auto, (max-width: 741px) 100vw, 741px" data-attachment-id="5668" data-permalink="https://cc-healthcare.co.uk/2022/11/01/national-stress-awareness-day-highlights-the-benefits-of-private-medical-insurance/hand-choosing-green-happy-smiley-face-paper-cut-product-user/" data-orig-file="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2022/11/AdobeStock_349104210-cropped.jpg?fit=5959%2C3489&ssl=1" data-orig-size="5959,3489" data-comments-opened="1" data-image-meta="{"aperture":"4","credit":"sewcream - stock.adobe.com","camera":"ILCE-6600","caption":"Hand choosing green happy smiley face paper cut, product, user, service feedback rating and customer reveiw, experience, satisfaction survey, psychology mental health test concept","created_timestamp":"1587991892","copyright":"","focal_length":"37","iso":"400","shutter_speed":"0.02","title":"Hand choosing green happy smiley face paper cut, product, user,","orientation":"1"}" data-image-title="Hand choosing green happy smiley face paper cut, product, user," data-image-description="" data-image-caption="<p>Hand choosing green happy smiley face paper cut, product, user, service feedback rating and customer reveiw, experience, satisfaction survey, psychology mental health test concept</p> " data-medium-file="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2022/11/AdobeStock_349104210-cropped.jpg?fit=300%2C176&ssl=1" data-large-file="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2022/11/AdobeStock_349104210-cropped.jpg?fit=760%2C445&ssl=1" /> </a> </div> <div class="entry-text"> <header class="entry-header"> <div class="entry-meta"> <span class="screen-reader-text">Posted on</span> <a class="entry-date-wrapper" href="https://cc-healthcare.co.uk/2022/11/01/national-stress-awareness-day-highlights-the-benefits-of-private-medical-insurance/" rel="bookmark"><time class="entry-date published" datetime="2022-11-01T18:42:33+00:00">November 1, 2022</time><time class="updated" datetime="2022-11-02T08:27:32+00:00">November 2, 2022</time></a> </div> <h2 class="entry-title"> <a href="https://cc-healthcare.co.uk/2022/11/01/national-stress-awareness-day-highlights-the-benefits-of-private-medical-insurance/" rel="bookmark" title="National Stress Awareness Day Highlights the Benefits of Private Medical Insurance">National Stress Awareness Day Highlights the Benefits of Private Medical Insurance</a> </h2> </header> <div class="entry-summary clearfix"> <p>Millions around the UK experience stress and it’s damaging our health and well-being. At some point in the last year, 74% of us have felt so stressed that we’ve felt unable to cope, even for a short period of time, according to the Mental Health Foundation. Although it can’t remove the source of the stress, Private Medical Insurance (PMI), could be an effective solution to managing the consequences of stress.</p> <p>Although stress can affect all of us, it shouldn’t always be seen as negative. After all, it can be a natural response to a requirement to deliver a task of some sort. However, continued stress can set in motion a whole series of physical and mental conditions which can have a seriously detrimental impact on a person’s quality of life, their health and unsurprisingly, their ability to perform their job role.</p> <p>National Stress Awareness day, (always the first Wednesday in November, so November 2<sup>nd</sup> this year) is a useful reminder to look out for the trigger signs in ourselves as well as in others, as half the battle is recognising there is an issue.</p> <p>According to WebMD, some of the psychological and emotional signs of stress are:</p> <ul class="wp-block-list"> <li>Depression or anxiety</li> <li>Anger, irritability, or restlessness</li> <li>Feeling overwhelmed, unmotivated, or unfocused</li> <li>Trouble sleeping or sleeping too much</li> <li>Racing thoughts or constant worry</li> <li>Problems with your memory or concentration</li> <li>Having problems with decision-making</li> </ul> <p>Physical manifestations of stress may include:</p> <ul class="wp-block-list"> <li>Headaches</li> <li>Sweating</li> <li>Stomach problems</li> <li>Muscle tension or pain</li> <li>Feeling tired or dizzy</li> <li>Sexual problems</li> <li>Rapid heart rate</li> <li>Dry mouth</li> <li>Shortness of breath</li> <li>Sleeping issues</li> </ul> <p>Given such a wide-ranging potential to render someone physically or mentally unable to enjoy what they would regard as a normal life (by their own standards and expectations), it’s clear that addressing the situation is critical to returning to an enjoyable and functioning quality of life.</p> <p>Many employers now offer Private Medical Insurance as part of their remuneration packages to tempt people to join or stay with an organisation. And the appeal to employees is very clear. Given the current challenge of lengthy NHS waiting lists and the demand put on primary care and GP surgeries, PMI may be the most efficient means of addressing the impact of stress on someone. Even if the maximum wait time for non-urgent referrals of 18 weeks was always met, that duration is far too long for most people living with the day-to-day consequences of stress.</p> <p><strong>Carmen Dunnigan, Director at C&C Healthcare says:</strong> “The Private Medical Insurance market has seen significant growth since the start of the pandemic. There are now over seven million people on NHS waiting lists in England, which has clearly driven demand for private provision across both the individual and corporate sectors. We’re also seeing an uptake in provision from within industry sectors that previously generally wouldn’t have offered it to employees.”</p> <p><strong>Fellow Director at C&C Healthcare, Paul Lewis, agrees:</strong> “Many employers are realising the advantages of providing PMI. Waiting months and sometimes years for treatment is detrimental not only to their employees’ physical health but also to their mental health and to the well-being of their families. The impact is also huge to businesses if staff cannot perform their role or attend work due to limited access to treatment. Helping people obtain private medical treatment has become a bigger than ever priority for employers.”</p> <p>Most Private Medical Insurance policies also have mental health as an add-on, for a small additional amount. Given the benefits attached to this slight increase in premium, it’s easy to see why it’s so attractive to many employers.</p> <p>Typically, this provision may include, counselling sessions (phone or face-to-face), Cognitive Behavioural Therapy, and treatment through a Psychologist or Psychiatrist, either as an in or outpatient. Equally PMI policies are able to address the diagnosis of the physiological consequences of stress. Insurers also often provide services free of charge to support businesses, by providing them with a tool kit that employees can access through an App.</p> <p>A growing area of support provision is Employee Assistance Programs (EAPs). For approximately £15 a year per person (at time of publication), staff would have access to a 24/7 helpline, a well-being App and 6 to 8 sessions of face-to-face counselling. Furthermore, a PMI policy isn’t required to put an EAP in place, which can make them very attractive to employers wanting to support their staff but who are equally struggling with a challenging economic climate. Currently, only 4-6% of employees use an EAP, when in reality, the need is far greater with 40% of workplace absences currently due to mental health issues. (Dr Philip McCrea, Chief Medical Officer BHSF)</p> <p>As noted in our previous article on Income Protection Insurance, the trend highlighted above is reflected in the Global Data report, “UK Income Protection Insurance Market to 2025”, where mental illness-related claims accounted for the largest proportion of paid income protection claims value in 2020, at 32.4%.</p> <p>There can be no doubt, mental health as a cause of workplace absence is on the rise.</p> </div> </div> </article> <article id="post-5646" class="post-5646 post type-post status-publish format-standard has-post-thumbnail hentry category-news tag-cc tag-healthcare tag-income-protection-insurance tag-insurance-brokers tag-manchester"> <div class="entry-media"> <a href="https://cc-healthcare.co.uk/2022/10/17/income-protection-insurance-week-spotlights-importance-of-cover/" title="Income Protection Insurance Week Spotlights Importance of Cover"> <img width="741" height="293" src="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2022/10/Income-Protection-Insurance.jpeg?resize=741%2C293&ssl=1" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="" decoding="async" loading="lazy" srcset="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2022/10/Income-Protection-Insurance.jpeg?resize=741%2C293&ssl=1 741w, https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2022/10/Income-Protection-Insurance.jpeg?zoom=2&resize=741%2C293&ssl=1 1482w, https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2022/10/Income-Protection-Insurance.jpeg?zoom=3&resize=741%2C293&ssl=1 2223w" sizes="auto, (max-width: 741px) 100vw, 741px" data-attachment-id="5648" data-permalink="https://cc-healthcare.co.uk/2022/10/17/income-protection-insurance-week-spotlights-importance-of-cover/umbrella/" data-orig-file="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2022/10/Income-Protection-Insurance.jpeg?fit=3008%2C2002&ssl=1" data-orig-size="3008,2002" data-comments-opened="1" data-image-meta="{"aperture":"4.5","credit":"Ivan Kmit - stock.adobe.com","camera":"NIKON D700","caption":"umbrella and rain drops closeup","created_timestamp":"1378231726","copyright":"","focal_length":"105","iso":"200","shutter_speed":"0.01","title":"umbrella","orientation":"1"}" data-image-title="umbrella" data-image-description="" data-image-caption="<p>umbrella and rain drops closeup</p> " data-medium-file="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2022/10/Income-Protection-Insurance.jpeg?fit=300%2C200&ssl=1" data-large-file="https://i0.wp.com/cc-healthcare.co.uk/wp-content/uploads/2022/10/Income-Protection-Insurance.jpeg?fit=760%2C506&ssl=1" /> </a> </div> <div class="entry-text"> <header class="entry-header"> <div class="entry-meta"> <span class="screen-reader-text">Posted on</span> <a class="entry-date-wrapper" href="https://cc-healthcare.co.uk/2022/10/17/income-protection-insurance-week-spotlights-importance-of-cover/" rel="bookmark"><time class="entry-date published" datetime="2022-10-17T15:27:35+00:00">October 17, 2022</time><time class="updated" datetime="2022-10-17T15:27:36+00:00">October 17, 2022</time></a> </div> <h2 class="entry-title"> <a href="https://cc-healthcare.co.uk/2022/10/17/income-protection-insurance-week-spotlights-importance-of-cover/" rel="bookmark" title="Income Protection Insurance Week Spotlights Importance of Cover">Income Protection Insurance Week Spotlights Importance of Cover</a> </h2> </header> <div class="entry-summary clearfix"> <p>Income Protection Insurance Week (17-21 October 2022) is a timely reminder of the importance and value of being protected against the impact of reduced pay due to long term illness or injury, which in itself can be a stressful time for the person off work, as well as their family.</p> <p>The cost of living crisis has been well documented, hitting employees with ever rising costs for fuel, energy, goods, services and of course rents and mortgages. But it’s also impacting employers with many looking to make cost savings, particularly on the more discretionary aspects of their overheads, for example, sick pay. Employers are under no obligation to pay anything beyond Statutory Sick Pay (SSP) although many do out of sheer decency for their employees. However, with costs rising across the board and ever increasing numbers of suppliers wanting to be paid on a pro-forma basis, employers are seeing trimming the amount of sick pay they’re willing to commit to, as a means of contributing to these increased costs or cashflow challenges.</p> <p>If managing the cost of living is becoming a challenge for employees whilst they are fully fit, the consequences of a significant drop in income onto partial sick pay or even SSP, could be catastrophic. According to the Association of British Insurers’ Welfare Reform Report, one million workers find themselves unable to work due to serious injury or illness every year. What’s more, around 250,000 people leave employment each year due to ill health.</p> <p>“I don’t need protection insurance – I get sick pay from work” is a commonly heard objection when income protection insurance is discussed. The reality of is that many UK workers are not entitled to sick pay, or if they are, their sick pay provisions will be insufficient to meet all of their regular outgoings, particularly long-term. Other objections may include “I’m too young”, “I’m healthy”, “if I’m ill I won’t be off for a long time”, especially in younger clients. Whilst statistically, a younger person is less likely to need a long period off work, particularly with a physical injury or life threatening disease, mental health issues are growing considerably. And mental health challenges are universal, regardless of age.</p> <p>Insurance firm Zurich<strong> </strong>reported that the proportion of income protection claims made by individuals citing mental health problems in the UK more than doubled to 27% in 2020, from 13% in 2019 (Personal Finance Society July 2022).</p> <p>Furthermore, according to Global Data’s report, “UK Income Protection Insurance Market to 2025”, mental illness-related claims accounted for the largest proportion of paid income protection claims value in 2020, at 32.4%.</p> <p>Although the income protection market rebounded in 2021 –the number of contracts rose by 10.5%, only 6% of the UK population have income protection in place. [Global Data July 2022]</p> <p>Income protection insurance can be tailored to suit the needs of employers and their employees but typically covers up to 80% of an employee’s salary and can be adapted for various deferred periods and payment periods.</p> <p>In addition to the employee receiving essential income during the period they are off work, an indirect benefit is that the employee isn’t sucked into the trap of presenteeism and returns to work far too soon, whilst being essentially unable to do their job role effectively.</p> <p>Lee Southwood of C&C Healthcare, has over 25 years’ experience of working in the income protection insurance sector says: “now more than ever, people should be looking to protect against the consequences of being off work due to illness and injury, for long periods of time. The rising cost of living is biting hard for many and SSP will barely scratch the surface for most people’s outgoings. It needn’t be expensive, especially when you consider the cost of not having the cover, should illness or injury ever arise.”</p> </div> </div> </article> </section> <aside class="sidebar" role="complementary"> <div id="search-1" class="widget widget_search"><form method="get" class="search-form" action="https://cc-healthcare.co.uk" role="search"> <label> <span class="screen-reader-text"></span> <input type="search" class="search-field" name="s" placeholder="Enter keyword here" value=""> </label> <button type="submit" class="search-button"> <i class="fa fa-search"></i><span class="screen-reader-text">Search</span> </button> </form> </div><div id="blog_subscription-1" class="widget widget_blog_subscription jetpack_subscription_widget"><h4 class="widget-title">Follow Blog via Email</h4> <div class="wp-block-jetpack-subscriptions__container"> <form action="#" method="post" accept-charset="utf-8" id="subscribe-blog-blog_subscription-1" data-blog="160167345" data-post_access_level="everybody" > <div id="subscribe-text"><p>Enter your email address to follow this blog and receive notifications of new posts by email.</p> </div> <p id="subscribe-email"> <label id="jetpack-subscribe-label" class="screen-reader-text" for="subscribe-field-blog_subscription-1"> Email Address </label> <input type="email" name="email" required="required" value="" id="subscribe-field-blog_subscription-1" placeholder="Email Address" /> </p> <p id="subscribe-submit" > <input type="hidden" name="action" value="subscribe"/> <input type="hidden" name="source" value="https://cc-healthcare.co.uk/news/"/> <input type="hidden" name="sub-type" value="widget"/> <input type="hidden" name="redirect_fragment" value="subscribe-blog-blog_subscription-1"/> <input type="hidden" id="_wpnonce" name="_wpnonce" value="c8e53bc8e0" /><input type="hidden" name="_wp_http_referer" value="/news/" /> <button type="submit" class="wp-block-button__link" name="jetpack_subscriptions_widget" > Follow </button> </p> </form> <div class="wp-block-jetpack-subscriptions__subscount"> Join 2 other subscribers </div> </div> </div><div id="widget_contact_info-4" class="widget widget_contact_info"><h4 class="widget-title">Our Details</h4><div itemscope itemtype="http://schema.org/LocalBusiness"><div class="confit-address" itemscope itemtype="http://schema.org/PostalAddress" itemprop="address"><a href="https://maps.google.com/maps?z=16&q=c%26amp%3Bc%2Bhealthcare%2Blimited%2B80-82%2Bcompstall%2Broad%2C%2Bromiley%2Bcheshire%2Bsk6%2B4de%2Btelephone%3A%2B0161%2B406%2B4700%2Bemail%3A%2Binfo%40cc-healthcare.co.uk" target="_blank" rel="noopener noreferrer">C&C Healthcare Limited <br/>80-82 Compstall Road, Romiley <br/>Cheshire <br/>SK6 4DE <br/> <br/>Telephone: 0161 406 4700 <br/>Email: info@cc-healthcare.co.uk </a></div></div></div><div id="eu_cookie_law_widget-3" class="widget widget_eu_cookie_law_widget"> <div class="hide-on-button" data-hide-timeout="30" data-consent-expiration="180" id="eu-cookie-law" > <form method="post" id="jetpack-eu-cookie-law-form"> <input type="submit" value="Close and accept" class="accept" /> </form> Privacy & Cookies: This site uses cookies. 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