You set the level of contribution you make per employee resulting in a cost saving up to 30% against comparable schemes.

Up to 30% more expensive than Revelation Healthcare. Plus, on average, premiums rise 10% above inflation rate, each year.

You only pay for your particular level of risk and if you are in a low risk sector, you could save a further 20%.

You have to subsidise the claims of other high-risk industries.

If you don’t make a claim, your contributions are still in your trust fund, gaining interest.

If you don’t make a claim, you don’t get your premiums back.

You can tailor your healthcare plan to your exact requirements – and to your financial resources. Plus, there is no requirement to fall into a particular benefit band.

Inflexible, ‘off the shelf’, pre-packaged plans. With most of these plans you have to fall into a specified benefit band.

Our procurement department ensures that your trust obtains best value for money by investing time and expert knowledge into spot purchases.

Relies upon the less time consuming and easier process of block purchasing, losing the benefits of spot buying.

Contributions don’t increase as your employees get older.

Premiums rise with age.

As you control the terms of the plan, you can set as many - or as few - claimants’ rules as you wish.

Contract terms are set by the insurance company and are outside your control.

Contributions remain fixed and are not subject to external premiums.

Premiums rise according to claims’ record and global insurance factors outside your control.

There is no insurance premium tax on contributions.

Insurance premium tax of, currently, 5% to pay.

We do all the administration for you and pay hospital bills directly.

Administrative burden falls on your company with some hospital/specialist bills having to be paid directly by you or your employees and then reclaimed on the production of receipts.

Negotiated fixed price packages of treatment mean you know the full cost prior to hospital admission.

Hospitals charge on an ‘as-used’ basis incurring costs that you have no control over and that will affect the next year’s premium.

Access is provided to all private hospitals and NHS Private Patient Units in the UK unless you elect for specific exclusions.

Insurance companies restrict choice of hospital, consultant and even outpatient investigations.