Clinical Philosophy
Giving your clients the benefit of our health expertise
We've got decades of experience in private medical insurance (PMI). Our expert team of clinicians support the development and monitoring of our products meaning you can be sure our offerings are based on sound clinical advice.
High quality healthcare
We aim to fund quality healthcare where the latest evidence suggests safe and effective treatment with proven clinical outcomes.
Proactive condition management
Our third party case managers are our claimants' advocates, proactively and empathetically managing all aspects of their care
Benefits to employers
Help your client become an employer of choice through wellbeing initiatives that create a happy, healthy and motivated workforce
Clinical philosophy
Our clinical philosophy is grounded in the four pillars of medical ethics: non-maleficence, do no harm; beneficence, do good; autonomy; and justice - and is the foundation of every aspect of our work, helping shape and develop our products. We're also committed to delivering value to our customers.
Together, these qualities have helped us to create ways of working that are responsive, and intuitive to our customers' personalised needs. They have allowed us to become champions of prevention and prompt intervention.
Clinical Governance
We’re constantly striving to improve the quality of our propositions and products for customers. We do this using a clinical risk management framework that ensures our customers have timely access to healthcare services delivered by high quality providers.
Chaired by our medical director, our Clinical Governance Forum meets quarterly to look at changes in legislation, monitor our suppliers’ clinical performance, consider clinical audit results, and review member feedback. This informs our engagement with providers so that we can signpost quality improvements to enhance the healthcare services they deliver to you and your clients..
In the era of AI and apps, we also review the health technologies that are available using our digital clinical governance expertise.
Evidence based medicine and clinical expertise
It can sometimes take years for new treatments to become incorporated into standard clinical practice. To ensure our customers can access innovative treatments as early as possible, we review clinical research evidence provided by specialists on:
- Whether a particular treatment works effectively
- How well it works compared to existing treatments
- How safe it is, based on its risks
New treatments are reviewed weekly by our Medical Panel, chaired by our Clinical Leadership Team using the above criteria. We also look to the future to anticipate upcoming developments and prepare our claims journeys accordingly. Our clinicians collaborate with consultants to understand requirements, especially in areas where medical research is unavailable.
All of this ensures that we continue to treat our customers as individuals, addressing their unique needs and supporting them through their healthcare journey.