Private Medical Insurance Healthcare
Supporting you with a robust health and wellbeing benefits strategy for your clients.
We work closely with you to bolster your clients’ employee health and wellbeing strategies, helping you provide the best healthcare solutions for your insureds. HCML offers a range of clinical services that integrate as part of the private health insurance plans you provide to your corporate clients.
A combination of in-house clinical expertise and digital capability makes it easy and faster for employees to access treatment and helps businesses improve productivity and reduce absence in the workplace. All while offering insurers a tangible return on investment.
Healthcare solutions
No two organisations are the same, so we work with you to create a bespoke solution for your insured clients. We provide triage and treatment solutions for musculoskeletal and mental health conditions, as well as arranging diagnostics, consultations and surgeries for specific conditions.
We act as a partner to support the claims management process. We’ll take care of assessment, recommendation and referral, so that you can simply refer and leave the rest to us. Members get quicker access to the treatment they need and back into work and productivity as quickly as possible.
Overall, we help you to minimise the cost per claim and reduce re-claim rates, while providing the best possible healthcare solutions for your clients.
Digitally driven, clinically managed
Triage and clinical assessment are managed by a dedicated HCML clinician via a phone or video call, or through our digital solution which is overseen by clinical experts.
Our treatment pathways include:
- Self-management – supported by an HCML clinician
- Virtual or in-person physiotherapy and psychotherapy both in-house and through our clinically governed network of providers
- Diagnostic referrals, consultations and referrals for surgery
We integrate seamlessly with your systems to enable your claims team to automatically refer insured members to our digital pathway. Members can log onto the platform 24/7, where they will be guided through a comprehensive clinical assessment.
Dependent on individual recommendations, they can access self-help programmes and materials or book physiotherapy through our nationwide network of clinics.
We also offer a telephonic assessment route where an HCML clinician will assess and coordinate the relevant treatment.
An HCML clinician will monitor progress and managed the treatment plan.
Intelligent MI and account management
You’ll have access to detailed reporting and management information (MI) through bespoke dashboards for each of your insured clients.
This includes details on service utilisation, key member demographics, clinical outcome data and customer experience data.
A dedicated HCML clinical services account manager will actively monitor the services provided and ensure the agreed outcomes are being achieved.
We demonstrate added value by identifying trends and patterns in the data, and use these insights to further develop our service to meet the needs of your client base and continually improve outcomes.
Case management
Members will be supported by a dedicated HCML clinician, who provides support throughout the individual’s recovery. They’ll manage communications throughout the claim, reducing the time your claims team needs to allocate to each case.