Your Personal Employee BenefIts Scheme
A convenient, affordable insurance policy for working people.
Covering private medical expenses, loss of income from ill health and accident.
Who will pay for your healthcare and living expenses if something unexpected happens and the NHS and state benefits don’t respond quickly?
Getting healthcare treatment and income replacement at the time of need is already difficult and not expected to improve short term.
Which means paying to go private in order to get back to good health and to work. This can require access to a large sum of money at short notice which may be hard to organise.
If you cannot work through illness or accident, and you are not part of a company employee benefits scheme offering medical and accident insurance, you will need to provide for yourself.
That’s why we created ProCare. Your Personal Employee Benefits Scheme.
One, affordable, insurance policy covering the five main insurable risks.
Available online, direct and without the need for an adviser.
Pays for private medical care and income replacement following illness or accident.
Pays lump sums for extreme illnesses and accidents.
Cover
The majority of working people under 45 have an uncomplicated medical history, lifestyle and job. They are eligible for medical, income and accident cover but have nothing in place.
Most shop, bank and buy car insurance online but can’t get medical, income and accident insurance with the same convenience.
ProCare offers a simple solution.
One affordable policy covering the five main insurable risks. Available online.
Designed for the self-employed (sole trader or partnership) and others who work for or run their own company.
Or even those who work for a large business but are not provided with cover.
| COVER | LIMIT |
|---|---|
| Private Medical | £25,000 Annual Limit £50,000 Maximum Payout |
| Income Protection | £50,000 Maximum Payout £25,000 per year Waiting period of 60 days Maximum monthly payout of 75% of last 3 months earnings |
| Life & Critical Illness | £50,000 Lump Sum £50,000 Maximum Payout |
| Personal Accident | Various Lump Sums, depending on the type of accident £100,000 Maximum Payout |
The Problem
Buying medical and accident insurance can be time consuming and confusing.
Deciding the level of cover involves balancing your financial and personal circumstances with affordability.
Buying insurance against the 5 risks ProCare covers, requires signing up for 5 individual policies.
Buying a comprehensive solution through IFAs and brokers involves lots of Q&A, form filling and personal contact.
This is time consuming, expensive and unnecessary for those who have no protection and simply want basic cover against the most common insurable risks.
Solutıon
With more than 1 million uninsured workers in the UK, we have convinced insurers that there is a huge need ProCare can meet.
They agree that the ProCare policy offers a solution and want to be part of the journey.
However, in order to offer the best cover and cost, they need to have a large, diverse mix of policyholders.
Which means that if enough working people register an interest in ProCare, we can achieve better terms and huge savings for all policyholders.
By registering now, you and thousands of others can benefit from the best possible terms.
Let’s work together to get ProCare launched with the best possible cover and pricing. A win for all of us.
Features
Affordable, with transparent pricing, available online.
Automatic underwriting for people without a complicated medical history and occupation.*
* Access to advisers for those who do not qualify straight away and need special underwriting.
Preset, comprehensive cover
Transparent Pricing
Low cost of £10-£20 per week (based on age)
Available online without an adviser
Underwritten by reputable insurers
Preset, comprehensive cover
Transparent Pricing
Low monthly cost of £10-£20 per week (based on age)
Available online without an adviser
Underwritten by reputable insurers
One short, online application form
One Direct Debit
Cancel at any time after 12 months
Price checked regularly
One short, online application form
One Direct Debit
Cancel at any time after 12 months
Price checked regularly
FAQ
One affordable insurance policy covering the most common illness and accident events. It provides basic levels of cover, at an affordable cost, price checked annually, and can be cancelled at any time.
By offering a bundle of cover, we can achieve a huge discount when compared to buying the components separately. Moreover, the cost is reviewed annually to ensure it is competitively priced.
A panel of leading UK insurers.
Online (web and mobile). You must live in the UK, be aged between 25 and 45 and considered a ‘Standard Risk’.
To be a Standard Risk, you should have no existing medical conditions which can foreseeably require treatment or intervention. You should also not be undertaking a hazardous occupation or sport and meet lifestyle criteria including smoking / vaping and obesity.
Yes, ProCare can be bought without the need to go through an Independent Financial Adviser. No one will call or email you unless you request it.
The ProCare policy bundle comprises a well-planned mix of medical expenses, health and accident cover with set sums insured. It meets the basic needs of most consumers – a foundation on which additional cover can be built.
Yes, you can get a quote and a decision immediately by completing a short form online. If you are not eligible, we will guide you on how to seek further advice.
After receiving an offer of cover, you can accept and make declarations online which should take a couple of minutes. Once we have checked your identity and received payment details you will be covered.
Corporate
As an employer, you can be a corporate ‘sponsor’ of ProCare.
You can do this in two ways: simply promoting ProCare to your employees or contractors or actually contributing to the cost of their ProCare premiums.
Subsidising employees’ or contractors’ premiums encourages loyalty / retention. Which makes your firm more a more attractive employer (or agent) when compared to competitors.
N.B., The tax deductibility of a firm or employer paying, or contributing towards, premiums for employees or contractors is a complex issue. We are not expert in this, and corporate sponsors are encouraged to seek independent tax advice.
To be eligible, your firm will:
- Have its main or substantial operations in the UK
- Not already offer a group scheme for any of the components to employees or contractors
- Be willing to promote self-provision for health and accident events among employees and contractors
regıster
If enough people register an interest in ProCare, we will have more negotiating power to achieve the best possible cover and price for all ProCare policyholders.
You can join the ProCare community and benefit yourself and others by registering without obligation now.
The first 1,000 registrants who go on to buy ProCare will get an extra month’s cover free.
The first 100 registrants who go on to buy ProCare will benefit from a free health test worth £150.
Registration Form
N.B., We ask for your email address in order to send you an alert when the ProCare platform goes live and is accepting applications. We will email you separately if you are one of the lucky early registrants who will benefit from one or both of the incentives above. We guarantee we will not sell or use your data for any other purpose.
