Our Benefits

Depending on the preferences and circumstances of your school, you have the option to include the following benefits to your policy:

• Standard stress cover. IMPROVED FOR 2024! This provides your school with 30 days of cover for absences which occur as a result of a wide range of stress causes.
• Premium stress cover. This provides your school with 190 days of cover for absences which occur as a result of a wide range of stress causes.
• Choice of an annual or continuous policy
• Maternity cover - non-return dependent. This option is not dependent on the absentee returning to work and is paid as a lump sum up to £10,000.
• Maternity cover - daily benefit. We are the only provider to offer maternity cover paid monthly at 50% of your chosen daily benefit.
• Cover for on-going maternities. This allows you to switch to us from another provider and still have your on-going claim/s paid.
• COVID-19 cover. As one of the only insurance providers to have covered COVID-19 claims throughout the pandemic, we are aware of the severe impact the absences have on schools, their employees and staffing budget. With this in mind, we shall continue to support schools throughout this difficult period by offering you the choice to cover absences caused by your staff member testing positive for COVID-19.
• Extended accident cover. This option extends standard accident cover to injuries suffered out of work, and provides protection against absences caused by dangerous or hazardous activities such as endurance racing, skiing, horse riding or trampolining.
• Cover for pre-planned surgery
• Cover for pre-existing conditions

As standard, your insured members of staff will also receive the following occupational health and wellbeing benefits:

• Anxiety management service. Whether your staff have worries around coronavirus that they can’t control or they’ve suffered from anxiety in the past, Smart Clinic’s anxiety management self-referral service can help. A specialist practitioner will take time to understand the situation, providing therapeutic interventions and coping mechanisms.
• Mental Health First Aid (MHFA) training. Choose two members of staff to attend one of Smart Clinic’s MHFA training courses. Attendees will learn how to spot the signs and symptoms of mental ill health and provide help on a first aid basis. Participants will be fully qualified as mental health first aiders by MHFA England. This service retails at £300 per delegate, but is fully subsidised by us as part of your insurance policy.
• Health promotion days. Based on feedback from our schools, Smart Clinic offer a wide range of exciting options for health promotion activities that will encourage your staff to proactively manage their health, and demonstrate your ongoing commitment towards a happy, healthy workforce.
• Physiotherapy. Treatment will be used to restore movement and function when an insured member of staff is affected by injury, illness or disability. Physiotherapy consultations are available face-to-face or remotely via their video conferencing platform.
• Occupational health reports. These assessments can be done to gather a deeper understanding of the causes of an absence, highlight helpful absence prevention measures and support individuals through their recovery. Assessments will be carried out by telephone or via their video conferencing platform.
• Pre-placement screenings. Your school is entitled to pre-placement health assessments to ensure you have identified any health issues that you may need to prepare for before your employee starts work. You can make a referral online via your Smart Clinic client area, or by completing a referral form and sending it to Smart Clinic.
• Emergency 24-hour mental and physical health support service. All insured members of staff will have access to a 24-hour helpline service, giving them immediate access to counselling and advice on physical and mental health issues.
• HR advice and support service
• Legal advice and support service
• Financial query support
• Relationship advice and support service
• Cognitive behavioural therapy
• Counselling. Your cover entitles insured members of staff to specialist counselling sessions. Smart Clinic employ expert counselling staff who offer a confidential, empathetic and non-judgemental service. Sessions will be carried out by telephone or via their own video conferencing platform.
• Healthy living workshops. Your school can choose from a range of healthy living workshops. From learning the best sleep management techniques to the most effective stop smoking activities, these workshops will provide you with advice on how to create a healthy and happy culture within your workplace.
• Lifestyle health screening
• Healthy eating advice
• BMI testing
• Cholesterol & blood pressure testing
• Stress awareness sessions. During these sessions, your staff will be provided with information on the origins of stress, how to identify it, and techniques to help reduce levels of stress amongst your workforce.
• Services are available worldwide. All you need is a smart phone, tablet or desktop computer with internet access.

The Smart Clinic has created a revolutionary new way of accessing a wide range of their occupational health and wellbeing services.

Your insured members of staff will be able to access a whole host of Smart Clinic’s services via their new virtual health and wellbeing app. Available on smartphone, tablet or PC, the app emulates everything you would expect from a physical clinic, but from the comfort of your own home, office or anywhere with internet access.

With an online booking system, referral process and virtual appointments, you and your colleagues can access most of Smart Clinic’s services any time, and from any place.

The Smart Clinic’s new client friendly referral systems make managing your occupational health referrals a simple and pleasant experience. The online consent tool allows insured members of staff to provide their consent directly, creating less legwork for your policy administrator.

Plus, complex end-to-end encryption and several layers of validation makes it one of the most secure telehealth systems around.

Services accessible via the new Smart Clinic platform include:

• Anxiety management service
• Physiotherapy
• Pre-placement screenings
• Cognitive behavioural therapy
• Counselling
• Physician appointments

Providing schools with access to digital healthcare will reduce waiting times, increase uptake, alleviate travelling and reduce the time staff spend away from work to attend appointments.

The Smart Clinic app makes occupational health and wellbeing support more accessible and convenient than ever.