Most insured employee benefits arrive with support services attached: helplines, apps, assessments, second opinions. 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.
This is a list of questions to put to each of your insurers. It does not tell you what you hold, because only your policies and your insurers can do that.
For each insured benefit, ask the insurer or your broker:
These are the categories that commonly exist. Whether any of them exist on your policy is exactly what the questions above are for.
Remote GP access, mental health support routes that may not need a GP referral, health assessments, second medical opinion services, and discounts or wellbeing app access.
Employee assistance and counselling, bereavement and probate support, and support extending to family members.
Rehabilitation and return-to-work support, early access to physiotherapy or mental health support, and guidance lines for managers handling long-term absence.
Remote GP access, counselling routes, and discount or perk arrangements.
The services are usually already paid for inside the premium, so finding them costs nothing beyond the asking. They are frequently the parts an employee would use in an ordinary year, as opposed to the insurance itself, which most people will never claim on.
And they are the most likely part of a benefits package to be out of date in whatever document you hand to new starters, because insurers change and rename them without the policy changing at all.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 Insurers frequently describe these services as non-contractual, which means they can be changed or withdrawn without the insurance itself changing. That is worth asking about explicitly, because a service that is communicated to staff as permanent and then withdrawn causes more damage than never having mentioned it.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.
Benefit services vary by policy, insurer, employer arrangement and individual eligibility. This checklist is a prompt for questions, not confirmation of cover or advice.
| Alltoogether | How this page was written Supports: the boundary above and the decision to describe categories rather than any particular policy Published or updated: set 15 August 2026. Retrieved: 15 August 2026. Limitation: this row records the method, not a fact about any scheme. |
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Each benefit explained the same way: what it is, what it can and cannot usually do, and what to ask before you buy, renew or communicate it. No insurer recommended and no policy terms invented.
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