Bupa offers enhanced commission on new business health products

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Bupa is offering enhanced commission for all adviser virgin business on its new suite of business health products.

Bupa has launched five choices of cover, two of which will be eligible for enhanced commission until 31 December 2013; Business Fit and Foundations.

Business Fit covers treatment of mental health and musculoskeletal conditions including physiotherapy, mental health therapy and 24-hour telephone access to Bupa's GP and nurse teams. It will be available for companies of 20 employees and above.

According to Bupa research, last year 7.7 working days for every employee every year were lost to ill health, avergaing out at £673 per employee per year.

Business Fit costs start from 0.6% of payroll costs.

Foundations aims to be a lower-cost option to PMI with up to 60% comparable savings. It provides three levels of cover: diagnosis, treatment and combined care. The latter offers a mix of Bupa and NHS care.

Tony Wood, sales and marketing director at Bupa Health and Wellbeing, speaking at the Bupa afternoon conference today, said: "By extending healthcare benefits to the wider workforce beyond managers and directors the performance of a business as a whole can be improved.

"The one-size-fits-all approach no longer works, as employers have different concerns with each part of their workforce."

The other three products are Bupa Select for SMEs offering three different cover levels, Bupa Select for Corporate, for businesses with 250 or more employees, and Superior which is a global policy for key personnel worldwide cover.

David Battle, chief executive officer at Lorica Employee Benefits, said: "In reality only a small number of employers are tackling the issues of health and engagement in a coherent manner."

He added the challenge for employers is how to address the health needs or how to increase engagement across the whole workforce on a budget.

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