Workplace protection
Employee Support Services
The services wrapped around every group policy: virtual GP, mental health support, second medical opinion, bereavement counselling and a probate helpline.
Dublin city centre
Who it is for
Members of any FDI group scheme and their households
What it does
- Virtual GP appointments, including for household members
- Structured mental health programme with self-guided and clinician-led routes
- Second medical opinion from a specialist consultant
- Bereavement counselling and probate helpline for families
The product in full
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.
Literature
Product literature is issued to appointed intermediaries. Ask your underwriter, or request it through the enquiry form.
- Service guideOn request
- Member registration guideOn request
How it works
What happens, in order
From the first enquiry to the point the cover, the contract or the facility is in place.
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.
The numbers
A worked example
Illustrative arithmetic, so the shape of the product is visible rather than described. Nothing here is a quotation or a 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
View these figures as a table
| Amount | Share | |
|---|---|---|
| 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% |
Suitability
Where the Employee Support Services fits
The cases it answers, the cases it does not, and what an underwriter needs before quoting.
It is the right answer when
- 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.
Look at something else when
- 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.
What we need to quote
- 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
What brokers ask us about this product
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.
Request information
Ask us about the Employee Support Services
The form reaches an underwriter in Dublin. If you are an intermediary, say so and we will route it to the broker desk.