FAQ’s

Health Insurance – School Groups

We have gathered together a selection of frequently asked questions from our clients to assist you in deciding which of the offered plans are suitable for your requirements.

If you have any other question that is not covered by these FAQ’s, please feel free to telephone us on: +44 (0)118 970 3782 or email: insurance@jbi-ins.co.uk.

Can members within the group have different levels of cover within a group policy?
Usually on larger group policies, cover can be tweaked as required. If you would like your Managers on a higher benefit level to the rest of the staff.
Do I have to pay the insurer direct?
Under a group health insurance plan, the company would pay the premium to the health insurer. What individual arrangements exist for the reimbursement of premium or not, would depend on individual contractual arrangements.
What happens if I am covered under a group scheme arrangement and subsequently leave?
As your broker, we can enquire from the health insurer whether they will continue your policy on an individual basis so that you do not lose benefits of wait periods and pre-existing condition cover.
Do I have to use a particular hospital or clinic if I need to be hospitalised?
This varies from health insurer to insurer – some insurers have a directory of hospitals and clinics from which to choose direct billing facilities for treatment/hospitalization. Others will allow you to choose the hospital for your treatment, provided that you notify them beforehand.

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