Prévoyance en entreprise
Services d'assistance aux salariés
Les services associés à chaque contrat collectif : médecin virtuel, soutien en santé mentale, deuxième avis médical, accompagnement du deuil et assistance téléphonique successorale.
Centre-ville de Dublin
À qui il s'adresse
Affiliés de tout régime collectif FDI et leur foyer
Ce qu'il fait
- Consultations de médecin virtuel, y compris pour les proches du foyer
- Programme structuré de santé mentale, en autonomie ou encadré par un clinicien
- Deuxième avis médical d'un médecin spécialiste
- Accompagnement au deuil et assistance téléphonique sur la succession pour les familles
Le produit en détail
These are the services wrapped around every group policy we write, and they are included in the premium rather than sold beside it. Virtual GP appointments, a structured mental health programme, a second medical opinion service, bereavement counselling and a probate helpline — available to the member and, for most of them, to their household.
The reason they are bundled is a practical one. A group life policy might be claimed on once in a decade at a mid-sized employer; the virtual GP is used every month. From the employee’s point of view the support services are the part of the benefit package they actually touch, and from the employer’s point of view they are the part that produces goodwill rather than paperwork.
The mental health programme is structured rather than a helpline: a self-guided route for members who want to work through something on their own, and a clinician-led route where that is the right answer. Household coverage matters here as much as anywhere — a member whose partner or child is struggling is affected at work whether or not they are the patient.
Access is through an app and by telephone. Both matter: the app carries the appointments and the programme, and the telephone route is what a bereaved family uses at nine in the evening.
Documentation
La documentation produit est remise aux intermédiaires accrédités. Demandez-la à votre souscripteur, ou demandez-la via le formulaire de demande.
- Guide du serviceSur demande
- Guide d'inscription des affiliésSur demande
Comment cela fonctionne
Ce qui se passe, dans l'ordre
De la première demande jusqu'à la mise en place de la garantie, du contrat ou de la ligne.
Eligibility comes with the group policy
All members of any FDI group scheme, with partner and children included on the household services.
Members register once
Through the member registration guide, on the app or by telephone. Registration is what turns an entitlement into something used.
Services are used as needed, without a claim
No claim form, no employer involvement and no notification to the employer that a service has been used.
The second opinion and bereavement routes stay open
Including for the family after a member’s death, which is when the probate helpline is generally reached.
Les chiffres
Un exemple chiffré
Des calculs donnés à titre indicatif, pour que la structure du produit se voie plutôt qu'elle se décrive. Rien ici n'est une offre ni une projection.
A year on a 500-member scheme
Illustrative usage, set against the claims the underlying policies produced in the same year.
- Members in the scheme
- 500
- Household members also eligible
- ≈900
- Virtual GP appointments used
- 410
- Mental health programme registrations
- 85
- Second medical opinions provided
- 11
- Bereavement counselling engagements
- 6
- Total service engagements in the year
- 512
- Insurance claims on the underlying policies
- 3
- Additional cost of the services
- None — included in the group premium
Illustrative usage for a scheme of this size, not a record of any particular employer. The comparison at the bottom is the point: the services are engaged with roughly a hundred and seventy times as often as the policies are claimed on.
What a year of usage is made of
The 512 illustrative engagements above, by service.
Service engagements in the year
512
- Virtual GP appointments410 · 80%Members and household
- Mental health programme85 · 17%Self-guided and clinician-led routes
- Second medical opinions11 · 2%
- Bereavement counselling6 · 1%Families, after a death
Voir ces chiffres sous forme de tableau
| Montant | Part | |
|---|---|---|
| Virtual GP appointments — Members and household | 410 | 80.1% |
| Mental health programme — Self-guided and clinician-led routes | 85 | 16.6% |
| Second medical opinions | 11 | 2.1% |
| Bereavement counselling — Families, after a death | 6 | 1.2% |
| Service engagements in the year | 512 | 100% |
Adéquation
Où Services d'assistance aux salariés trouve sa place
Les cas auxquels il répond, ceux auxquels il ne répond pas, et ce qu'un souscripteur demande avant de tarifer.
C'est la bonne réponse lorsque
- Any employer placing group cover with us — the services come with it.
- Workforces where a virtual GP and household access are genuinely valued.
- Employers who want a benefit employees use, not only one they are told about.
Il faut regarder ailleurs lorsque
- Purchase on their own — these services are not sold separately from group cover.
- Employers looking for a medical insurance policy; this is support, not indemnity for treatment costs.
Ce qu'il nous faut pour tarifer
- 1.An FDI group scheme in force.
- 2.A member communication route, so the workforce knows the services exist.
- 3.Nothing else — there is no separate application and no additional premium.
Questions
Ce que les courtiers nous demandent sur ce produit
Do the services cost extra?
No. They are included in the group premium for every scheme we write.
Can a member’s partner use them?
The household services — the virtual GP, the mental health programme and bereavement counselling — cover partner and children. The member registration guide sets out which apply to whom.
Does the employer see who has used a service?
No. Usage is between the member and the service, and no notification goes to the employer.
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