Tick the cover you hold and pick the insurer. The receipt lists the services that insurer publishes alongside it. Nothing leaves this page.
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Every service named comes from the insurer’s own published material, checked 14 August 2026. What applies to your scheme can depend on the level of cover, and services like these often sit outside the insurance contract and can change. Your insurer can confirm what yours includes. This is a prompt for questions, not confirmation of cover or advice.
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Copy the questions to send each insurer, built from what you ticked, or have them emailed to you. Or book a 30-minute review and we show you what yours includes.
Most insured benefits arrive with support services attached: GP lines, counselling, physiotherapy, second opinions, discounts. They are rarely the reason the policy was bought, they are often not mentioned again after it was, and they are commonly the part employees would use most.
They are also the most likely part of a benefits package to be out of date in whatever document you hand to new starters, because insurers change and rename them without the policy changing at all.
It depends entirely on the insurer, the policy and the level of cover. Commonly available categories include remote GP access, employee assistance and counselling, bereavement support, rehabilitation and return-to-work support, health assessments and second medical opinion services. Whether any of them apply to a particular scheme can only be confirmed by the insurer or the policy documents.
Often not. Insurers frequently describe these services as non-contractual, which means they can be changed or withdrawn without the insurance itself changing. That is worth asking about explicitly, because a service that is communicated to staff as permanent and then withdrawn causes more damage than never having mentioned it.
Ask each insurer, or ask your broker to. The questions worth asking are what services attach to the policy, which are contractual, who is eligible, how someone accesses them, what the limits are, and how you will be told when any of it changes.