AXA PPP healthcare Corporate Health Plan Pathways
AXA PPP healthcare’s CHP Pathways is a new, lower cost PMI plan for groups of 75+ employees.
The plan is based on AXA PPP’s Corporate Health Plan but instead of having their GP refer them to a named specialist, members obtain an open referral and let AXA PPP decide which healthcare provider they should see.
This should result in savings of around 15%, which is reflected in the plan’s premium rates.
As part of the way it works, scheme members must have any treatment pre-authorised. This helps ensure that the required treatment is covered and enables AXA PPP to then make an appointment for the member with its selected provider.
The plan is available to new and existing customers. Firms can continue to use say an existing occupational health (OH) provider or allow more senior managers to have a higher level of PMI cover.
Plus points: Most patients are more interested in getting better than in who sees them or where; Allowing AXA PPP to decide that can reduce costs by around 15%; A cost saving add-on to an existing well-established plan.
Not so plus points: Takes away patient and GP choice and may be unpopular with GPs and (excluded) specialists and hospitals; Also requires employers to trust AXA PPP to always make decisions in the best interests of the patient, not just to secure lower claims costs.
Website: http://www.axappphealthcare.co.uk.
Rating (max 10): Innovation: 7. Overall:7. Silver.