Our Claims and Rehabilitation Performance

We strive to be a genuinely customer-centric business, with the wellbeing of the customer a guiding business principle. For us, customer care means treating employers and their employees fairly and delivering quality customer outcomes.

Group Income Protection

  • We look to fund all appropriate treatment, to help get employees back to work following illness or injury, with no additional cost to the employer.
  • There are no GP referrals required for treatment and you don’t need to call PMI providers to request approvals for treatment or consultation.
  • Our in-house Rehabilitation team includes qualified health professionals from occupational health and therapy, general nursing and physiotherapy.
  • We also partner with independent experts who are leaders in their respective practices.


In 2017, our active intervention enabled 582 employees to return to work within the deferred period.


That’s almost 20% of the industry total (2989) as reported by GRiD.


A further 223 employees were able to return to work, following a period of benefit and with the help of our active intervention.


We arranged and paid for 3,969 psychological and physiotherapy treatments.

Return to work performance

We help employees access treatment quickly, increasing their chances of, and accelerating progress towards a successful return to work. Our flexible service is designed to improve the health and productivity of our customers workforce, whilst aiming to reduce pressure and reliance on NHS services.

Group Income Protection


Claims Payments By Product (Paid in 2017)

Group Income Protection


Group Critical Illness


Group Life


Added support when it's needed most

  • Not a Red Card

    Not a Red Card

    In many sports a Red Card is the ultimate punishment for bad or inappropriate behaviour. We’re using its symbolism to help lift the mental health taboo and encourage more conversations in the workplace about mental health.

  • Ascenti


    We provide proactive and funded physiotherapy treatments from Ascenti, for employees who are off work due to musculoskeletal conditions.

  • CBT Clinics

    CBT Clinics

    We provide proactive and funded treatments, where appropriate, from CBT Clinics for employees who are off work due to mental health problems.

  • Obair


    Our Group Income Protection policies include proactive and funded treatments, where appropriate to help employees return to work faster. We can help arrange free return to  work assessments with Obair – specialists in evaluating an employee’s readiness and capacity for work.