Income protection schemes rarely cover short-term absences and where they do, the cost can be substantial. Medical Recovery Insurance gives peace of mind by providing cover for employees for absences from a few days to a few months at an affordable premium.
Should an employee require an operation or a medical procedure that requires time off work our policies help insure them against a loss of income by providing a cash benefit which is linked to the normal recovery time for their treatment.
The policy is designed for employees who are not covered by an employer’s sick pay scheme, as well as for small to medium employers who want a sick pay scheme at an affordable price.
Medical Recovery Insurance is also ideal for employers who are unable to shoulder the risk of providing sick pay above statutory sick pay rates, but who can afford the premiums of this policy.
Our plans also provide the flexibility to allow cash benefits to be paid to the employer when employees are recovering from an operation or a medical procedure and these benefits can be used to help fund sick pay obligations, pay for additional sick pay benefits or to hire temporary staff.
Family schemes are also available to enable parents to stay off work to care for a child recovering from surgery, and some early complications of pregnancy are covered as well.
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Operation Classifications |
Examples |
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Medical procedures which have a recovery and return to light manual work in a few days |
Accident and Emergency : Surgery to the eye muscles and lens, Surgery to the eardrum and ear canal, Gum surgery. Elective Surgery : Carpal tunnel release , Treatment for cataracts, Removal of the Tonsils, Angioplasty, Heart pacemaker insertions, Treatment for kidney stones, Key-hole surgery. |
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Medical procedures which have a recovery and return to light manual work in around two to three weeks |
Accident and Emergency : Appendix removal, Open surgery to the windpipe, Surgery to the nose, jaw or mouth, Treatments for dislocated joints. Elective Surgery : Hernia repairs, Varicose vein surgery, Prostate gland surgery, Breast lumpectomies, Lip and Ear reconstructive surgery, Radiotherapy. |
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Medical procedures which have a recovery and return to light manual work in around one to two months |
Accident and Emergency : Treatments for fractures of larger bones, Tendon or muscle repair procedures such as knee ligament repairs, Reconstructive surgery to the eye, Brain surgery.
Elective Surgery : Hip and knee replacements, Treatment for slipped discs, Most open surgery to the abdomen, Abdominal hysterectomies, Surgery to the inner ear, All open chest surgery, Reconstructive breast surgery, Chemotherapy. |
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Medical procedures which have a prolonged recovery |
Accident and Emergency : Complicated limb or joint reconstruction, Treating fractures by traction, Limb amputations. Elective Surgery : Major cancer surgery , Bone and spine fusions, Pancreatic surgery, Liver, heart and lung transplants. |
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Cancer Treatments and Heart Attacks |
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Course of Radiotherapy |
In addition to a surgery benefit our policy will pay for an additional benefit for each course of radiotherapy for Cancer. |
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Course of Chemotherapy |
In addition to a surgery benefit our policy will pay for an an additional benefit for each course of chemotherapy for Cancer. |
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Heart Attacks |
A heart attack which requires an admission to hospital and results in permanent damage to the heart muscle. |
MediCheque Cash Plans Limited Registered in England and Wales Company No. 08062651 Registered Office Finsgate, 5-7 Cranwood Street, London EC1V 9EE.
Head Office and Correspondence Address :
6 Crays Court,
Crays Lane,
Goose Green,
RH20 2GU
United Kingdom
Phone : +44 1798 815 610
Email : dhigham@medicheque.co.uk
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