The health cash plan’s evolution for a new normal
Healthcare cash plans have evolved to satisfy modern demands for healthier lifestyles in a Covid-19 world. Today, cash plans are a world away from their humble beginnings, offering greater choice and faster and cheaper access to a range of varied services. Cover and Medicash explore the changing nature of health cash plans in 2022; from new technological advancements in the world of healthcare, to a focus on preventative services and the challenge of keeping services affordable and on employees’ radar in a post-Covid-19 new normal. How can you ensure you keep up with the cash plan evolution?
Read on to find out more
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Present
Q&A
The virtual ‘pocket’ doctor will see you now
Flexible & affordable
‘Feel good’ at work solutions
The cash plan transformation
'Feel Good' at work solutions
The health cash plan’s transformation
The birth of the NHS; mass vaccination programmes; rising longevity; and the introduction of hundreds of preventative programmes have resulted in a healthcare service that is unrecognisable to the one we had over a century ago.
Over the past decade, and particularly over the past two years important developments in the world of healthcare have been realised - and the impact on health cash plans has been tremendous. “Historically, health insurance and health cash plans had always been about being reactive and providing solutions to issues that had already occurred,” explains Sue Weir, chief executive of Medicash. “But in recent years there has been a shift in the approach to health services overall. For the health insurance industry, this has meant allowing individuals to take more control of their health and the creation of plans that focus on preventative measures, encouraging both employers and individuals to be more proactive when looking at their health needs.” Claire Ginnelly, managing director, Premier Choice Group, agrees. Whilst health cash plans have always been a very cost-effective way to offer a good level of employee benefit, today there is more reason than ever to invest in them. "Today health cash plans…demonstrate a company is keen to ensure good health and wellbeing, help with employers’ duty of care to employees, and potentially reduce time off work for certain conditions", she explains.
355,000+
Medicash policyholders across the UK
Issues like musculoskeletal (MSK) are a great example of this. With a cash plan, it is very easy to choose a recognised therapist and have treatment quickly. The member pays the bill but can claim it back straight away, often via an App.
Claire Ginnelly, managing director, Premier Choice Group
“
95p
starting rate for employer-paid cash plans
Health cash plans were originally provided by not-for-profit or charitable organisations to help individuals pay for their healthcare needs. Indeed, health cash plans are in many ways the ‘original’ health service, predating the NHS by nearly 80 years. They were used to help individuals afford a range of medical treatments when they needed it the most. Today employer-paid health cash plans are a hugely popular employee benefit. For many years, employer-paid plans have started at as little as 95p a week, and their popularity has meant the roster of services on offer has gradually increased, becoming far more advanced and going beyond dental and optical cover and often offering immediate access to both physical and mental wellbeing services. Arguably, health cash plans today offer some of the best medical care at an affordable price point.
Original and beneficial
The pandemic has further heightened a trend amongst employers to invest in health cash plans for their staff, according to Paul Roberts, senior consultant at IHC. Indeed, the pandemic has shone a brighter light on the role health cash plans play in helping – and allowing – people to take care of their own wellbeing. “The data in health cash plans of people’s ‘base line’ health is huge. Tapping into that data and supporting the customer to make personal health behaviour changes to improve their wellbeing is within reach now,” explains Roberts, who adds the pandemic has created a ‘breakthrough’ moment in health services that will change the industry for the better.
Sue Weir, chief executive, Medicash
There has been a clear trend amongst providers in recent years to extend the reach of health cash plans and extend the services they offer because they understand the benefit from both a cost and employee perspective. This is no longer a benefit that simply looks at optical and dental health. It goes much, much further.”
The fact health cash plan offerings vary so much today and include access to services such as counselling and wellbeing helplines, videos to help you keep fit, as well as the ability to claim back the cost of treatment on a range of conditions, show how far the sector and industry as a whole has come. The significant investment providers have committed to introduce these developments will benefit policyholders. As one of the UK’s largest and oldest healthcare plan firms, Medicash today provides cover for over 355,000 policyholders. Technology has been a core element of the group’s growth in recent years as the demand for services that are easy to access increased. For example, since 2014, a key part of the Medicash health plan evolution has focused on the creation and development of its App, on which members can access their benefits in one place. Mattioli Woods’ Edward Watling, believes these advancements are key to the future of healthcare services as a whole. It is investment in IT and digital development over the past five years that has helped Medicash remain highly relevant to the increasing technology needs of its policyholders. Through improving efficiencies, it has been able to increase the range of services to meet demand and consistently provide customers with value.
Infrastructure investment
/week
“Technology is driving change in every sector of the economy and life in general – health and insurance are not exceptions. It will change these sectors in the coming years, potentially in ways we haven’t even imagined yet.”
Weir agrees, noting the move to providing services through an App has been revolutionary for the group, and propelled its health cash plans into a new light. “I believe that in the next three years we will see an increasing number of everyday health checks done remotely. Individuals will not need to go to hospital to get a diagnosis in every instance. We will be able to do it through a piece of kit that can be posted, or measured digitally. And the first step in that evolution is exactly what health cash plans have achieved to date – offering flexible services that are useful and add value for policyholders. Over the past two years our policyholders have become more comfortable engaging with services remotely and this will continue to build.”
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Edward Watling, employee benefits consultant (healthcare), Mattioli Woods
As we all know by now, having to look after a workforce remotely is very different to running a business from an office environment. And while some businesses and individuals may have taken to the remote working model like, well, a duck to water, others have found it more difficult. What impact is this likely to have on employee health cash plans?
One of the biggest challenges for an employer has undoubtedly been how to measure how employees are coping with the stress of the pandemic and whether employees are taking their wellbeing seriously enough. Hybrid working means it’s harder to have that quick chat around the water cooler or buy a box of fruit (doughnuts?) for the team on a Friday afternoon, removing the opportunity for many to ease their workplace burden or simply unload their anxiety with a colleague.
93
Percentage of countries that saw disrupted or halted critical mental health services worldwide
Working is just not the same remotely and the challenge for employers has been keeping wellbeing initiatives going and making sure that people are engaging with services that can help keep them fit both mentally and physically.
The workplace challenge
Good mental health is today regarded as an asset, and one that is linked to and helps your physical health to thrive. Yet it is no secret that for many of us, lockdowns have negatively affected our physical and mental wellbeing, with communication rendered harder by being confined to interacting virtually.
Andy Roberts, finance and IT director, Medicash
10
Number of people in England who will need support for their mental health as a direct result of the pandemic
million
The need for businesses to maintain a happy, healthy workforce has become key. According to Medicash chief executive Sue Weir, this is just one reason why health and wellbeing strategies have leapt to the top of businesses’ agendas. Health cash plans have long been a perk for employees that can help them with ‘everyday’ healthcare expenses such as dental visits or optician services. In more recent years, services have broadened significantly, and many cash plan providers offer a more tailored service that contributes to both mental and physical wellbeing as part of the company’s wellbeing strategy.
The rise of the bespoke health cash plan
One of the main advantages to businesses of health cash plans is that they can act as a one-stop-shop that employees can access in their own time, from the comfort of their own homes, to deal with health and wellbeing concerns. And although the pandemic was a time when many of us were loath to see a medical professional for fear of putting extra strain on the already-overburdened NHS, employee cash plans were able to give individuals back control over their mental and physical wellbeing. This is something that has continued into 2022 and is likely to carry on as we look to exit the pandemic permanently.
2021 was Medicash’s best year for sales as demand for health cash plans soared from businesses wanting to offer their employees a higher level of wellbeing services at a reasonable cost.
Did you know?
The new normal post-lockdown has effectively challenged individuals to make a positive change when it comes to their physical and mental health and businesses have a role to play in ensuring that is possible. Paul Gambon, sales and marketing director at Medicash, believes that previously from an employer’s perspective, their desire to offer various health and wellbeing services to employees was at a loss with the cost and time it takes to research resources and find multiple suppliers. But the evolution of health cash plans in recent years has made this much simpler – particularly during the pandemic. Importantly, the additional services on offer today are much more affordable too.
Post-lockdown new normal
Paul Gambon, sales and marketing director, Medicash
At Medicash, we pull our services into one concise package within an App and it actually makes an employer's life promoting wellbeing significantly easier and importantly offers more benefits at a very manageable cost. There is also a much bigger emphasis, in terms of services, to stop people getting sick in the first place. The benefit of that during a pandemic has been immeasurable.
The pandemic has also helped refocus many cash plan providers so that they now include services that are easier to access from home. “Benefits like remote/virtual GP have really come into their own during the pandemic and have provided help and advice to many people without them having to leave their house,” explains Claire Ginnelly, manging director at Premier Choice Group. “Likewise, virtual help has been available for conditions with therapists offering virtual appointments. It does not replace the face-to-face appointment but during a pandemic it has been a great help to many. The pandemic has brought forward changes we would have seen in the future.” IHC’s Paul Roberts agrees: “Up until the pandemic, the queue-jumping nature of physiotherapy, access to a chiropractor, paying the ever-increasing dentists’ bills and the optician if you use them – were all the biggest items that employees wanted from a cash plan. Today the virtual services sit front and centre. Even though the public sector is delivering virtual GP sessions these private services are on time, the technology works, and there is less rush to the experience.” From Roberts’ perspective, virtual services have broken through and will continue to grow, improve and extend to provide even better service to employees: “The gap they fulfil is the time-specific and high-quality healthcare that is needed by everyone but only delivered equally when we pay,” he explains. “The public services will continue to be stretched despite record funding to meet the record demands put on it. Everyone in the UK wants to support the public health services but millions of people in the queue before me is off-putting.”
Adapting to a changing world
present
*Source: WHO
%
*Source: Covid-19 and the nation’s mental health Centre for Mental Health
We were conscious that people didn't want to put too much pressure on their own GP by going to see them when they'd obviously got other things to be concerned with because of the pandemic.
The launch of this App was accelerated as a result of the pandemic, as Medicash was keen to offer its policyholders digital benefits and physical and mental health support during lockdown. As well as over 100 guided fitness and yoga videos and more than 60 hours of mindfulness courses and meditations, the App also offers help with sleep problems, information on mental wellbeing, breathing exercises and a section on dealing with chronic pain. Gambon says the yoga and physical exercise aspect was an enhancement to the App, which was originally focused solely around mindfulness.
mProve YOURSELF
A revolutionary new technology, the SkinVision App can detect 95% of skin cancers from scanning photos of moles and skin spots, and was made available free of charge to policyholders on a company-paid health cash plan. This has recently been extended to be included on all of Medicash’s health plans. Gambon says the launch was particularly timely last year, when “people didn’t want to even step outside their front door for fear of contracting something, never mind going to see the doctor because they had a suspect mole”. The App is 95% effective at detecting skin cancers and is certified by the British Standards Institute (BSI). Some 2.8 million moles and skin spots have already been analysed to date and nearly 50,000 skin cancers found. The launch of the App comes as cancer referrals have dropped by up to 80% in some parts of the country. CEO Weir notes: “Over the last five years, skin cancers have really been at the forefront of people's minds as we have travelled more and enjoyed stronger sunshine abroad. We are seeing skin cancers increasing as a result. That's why it was important for us to be the first UK health insurer to introduce SkinVision within our corporate plans.”
SkinVision
If the pandemic has taught us anything it is not just the physical ailments that can take a toll on our working lives. Never has emotional and mental stability been so important, and many individuals muddled through feelings of loneliness, stress, anxiety and more as a result of being forced into multiple lockdowns. Whilst many health providers offer assistance in this area for employees who need support, in the form of telephone advice services, face-to-face counselling and even stress intervention and management support, Medicash supplemented these with the introduction of Woebot, an artificial intelligence counsellor that offers all important ‘in the moment’ emotional support. The service, provided through Care first, is described as a ‘relational application’ for its ability to form a personal bond with its users by allowing them to track their moods, identify patterns and provide insight into issues or concerns that the user may not have realised were causing emotional distress. Amongst other things, Woebot helps employees tackle: financial worries, relationship problems and chronic pain. Over time it learns what does and doesn’t work for each individual and can connect someone directly to a ‘human’ counsellor if it detects anything of concern. Importantly, whilst employee assistance programmes support between 4% and 12% of a workforce, the immediacy of Woebot means engagement levels can increase to over 40%.
Woebot
This App allows users to consult with an NHS registered GP over a video or voice call, who will offer advice, reassurance and diagnosis, as well as open referrals, fit notes or private prescriptions where necessary. There is an option to choose between a male or female doctor so patients feel most at ease, and no time limit on the appointment. Medications prescribed through the App can also be delivered to the patient, which has been a particular help during Covid-19. During the various lockdowns, Medicash made this service free for all policyholders.
Virtual GP
Physical and mental wellbeing fit together well. If you do some exercise or simply go for a walk, it's remarkable how much better you feel when you come back. They are interlinked so their relationship should be encouraged.
effectiveness of SkinVision to detect skin cancers
95
number of skin cancers found by App to date
50,000
increase in employee assistance programme engagement as a result of Woebot
40
The changing role of the employee cash plan
An evolution of health cash plan services
With almost 40% of those working from home in the UK throughout 2020 reporting new musculoskeletal problems, Medicash looked to bolster its physiotherapy cover with greater accessibility for customers by providing the clinically-led digital physiotherapy assessment app Phio free of charge for customers on company-paid plans. This end-to-end musculoskeletal care programme offers users unlimited access to a thorough AI triage, with the opportunity – if needed – to access their own bespoke exercise programme, allowing users to control the intensity of the programme and track their progress, with qualified clinical oversight and intervention through the app. Finance and IT Director Andy Roberts notes that two key factors in adopting Phio were its ease of access and smooth customer journey. “We know that MSK conditions contribute to more than 30 million lost working days every year,” he says. “A digital MSK assistant was on our roadmap for a long time, and with Phio offering an opportunity for early intervention and consistent treatment for our customers, it’s great to see more barriers to engagement being broken down.”
Phio
Ensuring easy access to all benefits, both cash plan and virtual, is a key aspect of the Medicash approach. First launching back in 2014, the My Medicash app has been relaunched recently to streamline the user experience for even more accessible healthcare. As both a hub for the range of digital and virtual healthcare tools and a 24/7 claims portal, the My Medicash app is designed to act as a one-stop-shop for users’ healthcare needs. Allowing users to simply upload claims from their treatment receipts, the My Medicash app also holds user’s policy details and paperwork, as well as providing access to their additional virtual benefits like SkinVision, Phio, and Virtual GP.
My Medicash
Watch the video
Number of working days lost to MSK conditions every year
30
Number of claims that have been paid through the My Medicash app since it was launched in 2014
1.1
Flexible & affordable:
Benefits of an employer health cash plan:
51.1% of the UK’s SME workers want their company to offer benefits that help manage their health and wellbeing, a survey of 2,000 employees by insurance adviser Drewberry has revealed.
One place for all benefits from GP appointments to mental health.
Quick, simple and straightforward for the end user
This is particularly important now with mounting concerns over missed cases of mouth cancer during the pandemic and warnings from opticians over the impact of increased screen time on eye health.
Encourages people to go for routine check-ups at the dentist and optician
At a time when people have swapped a controlled working environment for a less-than-perfect home office, with charity Versus Arthritis finding that 81% of desk workers who switched to working from home in lockdown have since had back, neck or shoulder pain.
Physiotherapy support is more relevant than ever
Than full-blown private medical insurance for the employer, allowing you to offer a wide range of benefits to all employees, not just managerial staff.
Much more affordable
Helping to avoid mental health crises and giving employees and their employers peace of mind throughout the pandemic and beyond.
Access to 24/7 telephone support
It can be positioned to current staff as well as using it as a tool to attract and retain new staff.
Extremely simple to explain, use and understand
Allowing employees to access support and other services at any time remotely from the comfort of their own home.
Flexibility
Such as the revolutionary SkinVision App than can detect skin cancers remotely and digital physiotherapy services.
Access to digital innovation
Not just treatment of symptoms.
Emphasis on preventative care
– An inexpensive but effective way to show staff that you care.
Q&A: How health cash plans help differentiate employers in a crowded market
The virtual 'pocket' doctor will see you now
2021 was our best year for sales, with around 122,000 policies sold. If we go back ten years or so, we had around 10,000 company-paid customers and we now have more than 285,000. Over this time we have seen health cash plans very much evolve from a ‘want’ to a ‘need’. It is no longer just something that is nice to have, employers now recognise that they have a responsibility to look after their staff and they want to do it. And for employees who take advantage of the services they are likely to have fewer sick days, are happier and healthier – it helps to know there is a service that is there for them to use every day.
Q: Have health cash plans been popular during the pandemic?
Quickfire Q&A with Paul Gambon, sales and marketing director, Medicash
If an employer wants to introduce private medical insurance to the entire workforce, many will almost certainly find the cost will be quite a prohibitive factor. Health plans are a simple, straightforward and easy way to offer a benefit to everyone, because everyone has basic healthcare needs that the health plan can help with. During the pandemic, employers realised that this was not a time to stop investing in the workforce, it was a time to start. And health cash plans have evolved – we are no longer talking about a basic handful of services, but a suite of options that make employees’ lives better. They do not need to wake up early to phone the GP for an appointment, and then take a day off to go and see them if they can access a virtual call that is just as efficient and able to diagnose them.
Q: Why do you think health cash plans are becoming so popular?
Traditional cash plans provide a range of benefits in one place, but it is important to remember it is not just a about cash benefits; they can include an Employee Assistance Programme (EAP) as well as dental care, eye tests, therapy treatments and more. Our health plans pull it all into one concise package and it makes an employer's life significantly easier by offering more benefits at a very manageable cost. They are more preventative-led now. Gone are the days when the focus of a health plan was very reactive and only useful when you were sick - they're now designed to help stop people getting sick in the first place.
Q: What are the benefits of choosing a health cash plan for an employer?
Absolutely. From an employer’s perspective this is a service that helps differentiate them. It helps them stand out as a caring employer. Another way to look at it is as an employee: if you have got two identical job offers on the table, and one has got a health benefit and one hasn't, it's not just the fact that it's got a health benefit, it's the perception of that employer actually caring about the staff and doing something a bit extra.
Q: Are these sorts of benefits a must-have for employers today?
Number of Medicash policies sold in 2021
122,000
Number of company-paid customers
285,000+
The ‘feel good’ at work solutions
Flexible & affordable: The changing role of the employee cash plan
Paul Gambon Sales and marketing director, Medicash
An office with a yoga room, relaxation areas, fruit bowls on every desk. Enclaves for focused work, theatre space for collaboration, and casual meeting spaces with a slide to enjoy during some downtime alongside that all-important ping-pong table. And whilst we are on the topic – what about access to a fully-stocked fridge? Sound to good to be true? This could be the workplace of the future - and health cash plans will have to adapt to ensure they meet employees' new needs.
In the post-pandemic world, employers across the globe are having to adapt to the new normal as working from home becomes universally accepted, and the office environment is forced to compete to attract employees to it. And on the list of things employees are seeking as part of their post-pandemic worklife is more flexibility and enhanced wellbeing. According to Benenden Health, 42% of employers had lost an employee in 2020 as a result of inadequate wellbeing support at work. Paul Gambon, sales and marketing director at Medicash, believes in the future new normal, the office environment will have to change to be a pleasant space where people want to work.
Number of employers that lost an employee in 2020 as a result of inadequate wellbeing at work
They will need more facilities, things like gyms, meditation spaces, yoga studios, plants and healthy eating to compete against the benefits of home working.
One of the biggest societal changes to have come from the pandemic in a generation is the way we work and the expectations of employees as to what they want or need from their employer. Perhaps the biggest change we can expect to see is the adaptation of the hybrid working model offering employees the flexibility to choose their working environment. One thing remains a challenge however: if this new flexible working model is here to stay, what steps can employers take to ensure they maintain a happy, productive workforce in this new hybrid home/office environment? In years gone by, employers relied on posters around the office to remind individuals of the services they can access. Yet in a hybrid workspace, communication is at a premium because many of the normal layers of communication are lost. In a hybrid working environment, communication is key and the importance of having a strong digital offering must not be underestimated, particularly when it comes to health and wellbeing. Medicash’s Andy Roberts notes the challenges do not stop there. “Remote communication is not the same as being in the office. The ability to keep initiatives going, and ensure individuals are engaging with wellbeing services is reduced and so employers must be clearer about how they choose to communicate.
Flexible working
It can be more difficult to gauge how employees are feeling if they are in a predominantly remote working environment. There are fewer conversations and interactions happening between employees that previously could have made management aware if an employee were in a difficult situation and required help.
Unsurprisingly, given the need for such services last year, the pandemic has fuelled a surge in the use of virtual health services, and this is only likely to grow. The targeted nature of the services on offer has also been successful. Physiotherapy solutions have been hugely popular as employees shifted to not-fit-for purpose desk setups. Even before the pandemic, musculoskeletal issues have always been a big contributor to absence and more people are likely to be suffering some form of mild discomfort caused by working from home, according to a number of consultants. This is not going to stop. According to Dr Chris Morris, the future of healthcare will be a hybrid of virtual and in-person consultations: “A hybrid style suits patients for their preferences and also for their needs. There are lots of patients who we have to see; we can't do a dressing, we can't do a smear, we can't offer immunisation, we can't listen to your heart without seeing you. And some people do prefer to come in and have face-to-face and therefore we must offer a hybrid service.” The beauty of a hybrid service is that patients are able to contact a specialist in their own time. An email at 10.30pm on Sunday will be picked up and acted on the next day. In a traditional offering, a patient would have to wait until the surgery opened on Monday to call, and potentially wait in a queue. The take-up of a hybrid style of services will also open up the number of treatments and checks that can be offered at home, without ever stepping foot in a clinic or hospital. For example, there is a whole range of testing now offered – from blood test checks for diabetes to tests for sexually transmitted diseases and of course, the Covid-19 virus – that can be done very easily at home. “Going forward, technology is playing a huge part in medical services and the number of checks we can do from home that link into wider medical systems and databases is growing. The time is not far away when we will be having a remote consultation with somebody and then send them a blood test kit for them to do at home and they send it back to us in their own time. The service will be easier for many, quicker and it means treatment is much more specific.”
Virtual surge
FUTURE
42
Percentage of IHC customers reporting that they will invest in their wellbeing over the next 12 months
58
Percentage of IHC customers that are aiming to improve their wellbeing in the next 12 months
73
“The industry has worked on historic lower engagement levels that were smashed to pieces by the pandemic. The engagement has seismically shifted to a different place and we need to embrace it or die,” argues IHC’s Paul Roberts. “When the emergency is over and the pandemic remains, customers will no longer accept long customer service queues and daft voice messages saying they are busy – customers will vote with their feet and move to providers who are ready and beating their service level agreements.” According to Roberts, there is substantial opportunity for cash plans to capture this demand with IHC customers reporting that 58% will invest more in their wellbeing in the next 12 months. Meanwhile, 73% of IHC customers said they will aim to improve their wellbeing in the next 12 months as well. Thus, the need for simple health solutions is more essential in the hybrid working environment. In a flexible working environment, having one healthcare App that offers access to a range of key health services from the comfort of home goes a long way to make employees’ lives easier. Having 24/7 and immediate access to help when it is most needed could mean the difference between swift support and a medical crisis.
Medicash solutions can provide employees with mental health support, offer instant access to GP consultations, help individuals to remain active and suggest ways to manage chronic conditions such as back pain.
Did you know
The product launches we did during the pandemic, such as the mProve YOURSELF App were aimed to help people as they transitioned to a new way of working.
For example, the App provides a large amount of content particularly in relation to mindfulness techniques that can be done at home, alongside physical fitness regimes. Being able to provide that value to policyholders at a time when some of your typical standard cash plan benefits weren't as easily accessible was a great boom for employees. From the point of view of the employer, the ease and flexibility of such services also means employees are less likely to take time off work for a doctor’s visit, or quite simply long-term sick leave for issues including stress or anxiety – the number one cause of absenteeism in the UK*.
The time is not far away when we will be having a remote consultation with somebody and then send them a blood test kit for them to do at home and they send it back to us in their own time.
As workplace wellbeing shoots to the top of employee agendas, knowing how to make it a priority remains a challenge for many businesses. According to a report by Deloitte, key implementation challenges for employers have included policies being reactive and driven by staff events or experience, rather than proactive and preventative; as well as lack of insight around current performance and difficulty measuring return on investment of wellbeing strategies. Meeting these challenges is one of the reasons for Medicash’s recently diversifying its services. As the market increasingly shifts toward a wider, fully inclusive approach to wellbeing at work, a key aim for Medicash is to demonstrate the benefits of investing in employee wellbeing. As part of this push toward overall wellbeing, in 2019 Medicash acquired the consultancy service Health@Work. Established over 25 years ago, Health@Work offers various services to improve workplace wellbeing, including a variety of training programmes on topics such as nutrition and fitness, mental health, and wellbeing strategy training for businesses, health and safety services such as audits and policy reviews, and their own unique Employee Assistance Programme. For the past 10 years, Health@Work has also worked to develop and deliver the nationally recognised Workplace Wellbeing Charter, helping businesses and organisations such as BAE Systems, Kenwood, Everton Football Club and United Utilities to evaluate and develop their wellbeing initiatives. This means that, as part of the Medicash Health and Wellbeing Group, they're able to provide both a workplace wellbeing solution, as well as to help evidence and accredit the outcome
The Push for Wellbeing
Dr Chris Morris
(Benenden Health)
(Paul Roberts, IHC)
