Bupa enhances group income protection offering
by Gill Montia
Story link: Bupa enhances group income protection offering
Bupa is “significantly enhancing” its group income protection offering from 1st January 2010.
The healthcare company has been studying customer and intermediary feedback and in future will provide early intervention and return-to-work support on all group income protection schemes, with no increase to premiums.
Dedicated claims assessors and nurses will be allocated to each case to enable Bupa to develop return-to-work strategies and guidance, according to individual needs.
Employees will not need to complete lengthy claim forms because a trained nurse will call or visit employees at home at an early stage of absence, to gather claim details and provide full support.
The firm’s director of health assurance, Steve Payne, believes having a nurse involved at the start “creates a triple win”: the employee has support early on and workplace absence is reduced as are claims cost and premiums.
Turning to Bupa’s individual protection business, the firm has just released figures showing that in the past year, just 2% of critical illness claims were refused due to non-disclosure, and less than 10% declined for falling outside the policy definition.
Cancer remained top of the critical illness claims list, accounting for 70% of claims by women and 50% by men.