Over Age Dependant rules have changed
We are pleased to advise there is no longer an age limit for Over Age Dependants (OADs) on our SME products: Enterprise Flexible Benefits, Enterprise Health and Precision Corporate Healthcare.
This means Child Dependants are able to remain on the Group Scheme over the age of 25, providing they continue to reside at the Group Scheme Member’s address (unless in full-time education) and are unmarried.
Previous rule:
- Child Dependants were automatically removed from the Group Scheme at the renewal following their 25th birthday.
New rule:
- Child Dependants will automatically remain on the Group Scheme unless WPA receive a request to remove them from an authorised Group Coordinator.
- Child Dependants aged over 25 years will be priced at 50% of the Policyholders premium.
- These OADs will continue to have a ‘Relationship Type’ of Child Dependant and show their relevant age on all documents.
- As these OADs are charged a premium they are not included in the maximum of five Child Dependant rule.
PMI example pricing:
| Family Member | Annual Premium |
| Employee | £500 |
| Adult Dependant | £500 |
| Child Dependant – OAD (aged 27) | £250 |
| Child Dependant 1 | £250 |
| Child Dependant 2 | Free |
| Child Dependant 3 | Free |
| Child Dependant 4 | Free |
| Child Dependant 5 | Free |
Enterprise Health has been upgraded
Following our new and improved underwriting terms launched on 1st February, we introduced a number of exciting product upgrades to Enterprise Health (EH), which were effective 1st April 2020.
Out-patient/Therapy Treatment – Comprehensive cover
- A new out-patient limit of £1,500 is available.
Mental Health Treatment – Comprehensive cover
- The Mental Health Treatment benefit included under in-patient and day-patient treatment now provides an option of 28 days/nights in each Group Scheme year or in five consecutive Group Scheme years.
- The out-patient Mental Health Treatment – Psychotherapy/Psychology benefit limit has been extended from three to six months per episode of of mental health illness.
- New out-patient Mental Health Treatment benefit limits of £1,000 and £1,500 are available.
New Optional Extras – Comprehensive cover
- Oral Surgery
- Long-term (Chronic) Conditions
- Winter Sports – UK Treatment
Channel Islands cover
For those companies located on the Channel Islands or Isle of Man, EH is introducing an ‘Islander’ option which offers flights to the mainland for treatment unavailable on the islands, accommodation and IPT-exempt premiums.
Remote GP Services
Included as standard at no additional cost.
Online cCBT Life Skills Course
We have expanded our EAP service to include an online service alongside the telephone helplines. Living Life to the Full is an online cCBT life skills course, aimed at people who would like to develop their skills in coping with anxiety and depression, as well as people suffering from anxiety or depression.
Underwriting
As per our email in January, we have made some positive changes to our underwriting. The following changes to EH underwriting were applicable from 1st February:
Moratorium
- Removal of all questions/criteria – now a ‘standard’ 5+2 Moratorium applies without joining criteria (consistent with PCH).
Switch (CPME/Continued Moratorium)
- Heart/cancer/stroke declaration reduced in scope from ‘ever’ to ‘in the past five years’.
Updated literature
| 20039 Enterprise Health Summary | Download |
| 191455 Underwriting 2020 Brochure | Download |
WPA Health app
On the 4th June we emailed all our customers to advise of the new app and some of the key features below:
Our new app, available on iOS and Android, has been designed specifically for the convenience of our members, providing easy access to your secure account.
Features include:
• Submit claims for cash benefits;
• Access 24/7 Remote GP Services;
• Biometric enabled security – instant verification to access your account;
• Track claims and benefit limits;
• Simple access to literature;
• Read and reply to secure messages.
Remote benefits – available 24/7 |
| Remote GP Services Retail PMI and SME members now have access to 24/7 Remote GP Services at no extra charge. Further information about the benefit can be found in the attached leaflet or our video. Employee Assistance Programme (EAP) SME Group Scheme Members have access to an EAP. This is included within the majority of our SME and Corporate age-rated products and is available as an Optional Extra within Precision Corporate Healthcare. The EAP provides:
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Training opportunities |
| Due to these unprecedent times we are not able to run our Head Office training days or visit your offices to provide product training. If you are interested in receiving training via video or conference call then please get in touch. |
Commission |
| Promotional rates have been extended on some of our products. Please logon to iZone for the full commission schedule or click here for a PDF. Commission Schedules on rebates and downgrades Following the rebates for April we can confirm that no clawbacks will be made with regards commission payments. If your client chooses to downgrade cover midterm or move across to the new Essentials Cash Plan commission will be reflective of the new premium and this may result in a clawback. For example, Clawback scenario where new Essential Cash Plan product is taken up:
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For more information contact the Intermediary Support Team |
| If you’ve got any questions, or want to discuss anything below, then feel free to reply to this email or contact us on the below. |
| 0800 783 0 784 |
WPA Premium Rebate
Following our previous updates regarding supporting our members and our commitment to not profiting from Covid-19 I am delighted to inform you we will be rebating a further 40% of a monthly premium to our retail and SME customers – this follows our previous rebate issued in April. Rebates for our large corporate customers is dependent upon their chosen funding type – our relationship management team will be providing more information in the next few days.
We have started writing to customers and the rebate will be with them by the end of June. The attached FAQ document provides further detail (Section B focuses on the Rebate).
I can also confirm that there will be no commission clawback for intermediaries as part of this gesture.
This video and flyer provides further information about how we have supported our members over recent months.
Please contact your WPA Account Manager or the Intermediary Support Team on 0800 783 0784 if you have any further questions.
