New Vision Healthcare specializes in managing employee healthcare schemes that are self-funded through discretionary trusts. This allows companies to design customized benefit packages while avoiding insurance premium tax and controlling costs long-term. References from clients indicate they have experienced significantly lower costs compared to previous providers while maintaining good coverage. The document promotes the advantages of self-funding such as tax efficiency, flexibility, and long-term cost stability over traditional insurance.

1. “Your 21st Century Private
Healthcare Solution”
The self-funding in trust specialists!

2. In Good Company...
Don’t just take our word for it; here’s what some of our clients have
to say about working with New Vision Healthcare.
New Vision Healthcare presented us with a rescue
package with vastly reduced subscription costs compared to
our previous healthcare provider. Their careful stewardship of
our funds has presented us with a healthy, thriving scheme. As
a staff association for an emergency service, we value these
features greatly.
Bob Pitt, Chairman, South Yorkshire Police Federation
Controlling costs is crucially important to us, while
continuing to offer the best possible level of cover for our staff.
The trust based concept has certainly worked for us.
Peter Casey, Managing Director, Casey Group
Call us on 0845 625 1223
or email us at enquiries@newvisionhealthcare.co.uk
We’re looking forward to hearing from you.

3. Who we are
New Vision Healthcare was created by a team of Harley Street
specialists, together with experienced private healthcare benefits
professionals to provide the medium and larger sized company with the
most tax efficient, cost-effective and flexible solution to the problem of
ever rising private medical insurance costs.
We are also pleased to provide our services to smaller companies
who have a genuine desire to self-fund their employee’s private medical
treatment in trust.
We specialise in the management of employee healthcare schemes
operating under discretionary trust. This allows a more flexible approach
to benefit provision as well as providing bespoke benefit structures, claims
management and administration that ultimately delivers significantly better
value for your company’s healthcare budget.

4. New Vision Healthcare Limited Our associated companies have
embraces a number of first class many leading brand companies in
facilities and services: the following industries:
• Health Negotiator Ltd - a • Oil, Gas, Mining
medical services procurement • Retail
facility set up to source the most
suitable treatment at the most • Engineering
favourable terms, in both the UK • Banking & Finance
and worldwide
• Insurance
• Multiplex Healthtrust Ltd - an
• Legal
independent healthcare scheme
administrator offering state of • Media
the art, on-line administration • Telecommunications
facilities for self-funded
healthcare trusts We have been administering self-
• Call a Doctor Ltd - the world funding private medical treatment
wide telephone GP consultation in trust for companies, private
service provider and public sector organisations
and affinity groups as well as
• Your Excellent Health Service
professional sports clubs and
Ltd - team headed by Dr Charlie
colleges since 1985.
Easmon at No 1 Harley Street,
leading occupational healthcare
advisor

5. Self-funding in trust v Private
medical insurance
Self-funding Medical insurance
170
150
Contributions (£000)
130
110
90
70
50
0
1st 2nd 3rd 4th 5th
Years
This graph clearly illustrates that the effective
claims management and cost control of self-funding employee’s
private medical treatment will stabilise your company’s private healthcare
benefit costs in both the short and long term.
In the USA, 90% of large companies choose to use self-funding private
medical treatment in trust as the preferred funding option, and now you
can see why.

6. What is self-funding in trust?
Self-funding employees’ private • The claims process is the same
medical treatment in trust is really with bills settled direct with the
straightforward. In fact, about 80% medical provider
is the same as for private medical
insurance. For example: • The reporting of group joiners
and leavers is the same
• Employees can be covered for
existing and on-going medical • The claims reporting and
conditions analysis is much better because
your company can see the up to
• Your company can choose to date picture as at the previous
transfer the existing benefits into days close of business
trust

7. Why is self-
funding in trust Self-funding in trust management
better for your charges are always lower than
medical insurance charges and our
company? charges include:
Although self-funding in trust is 80%
• The trust deed
the same as for private medical
insurance, for the remaining 20%, • Service level agreement
please forget everything you know • Providing bespoke membership
about private medical insurance. handbooks
• Providing trustees
Self-funding in trust is as close as
• Claims administration
your company can be to having
your own internal department • On-line trust administration
looking after the private medical • On-line claims reporting and
treatment needs of your employees. analysis
Apart from being tax efficient, self- Your human resources department
funding employee’s private medical can look forward to spending less
treatment in trust can be tailor time on dealing with the company’s
made straight away or over time to private healthcare benefits and
your own company’s specification your company can enjoy long term
until it fits like a hand made glove. stability of private medical costs.

8. How do we
reduce your
company’s private
medical costs?
Private hospitals around the country
always have plenty of empty beds
to fill and our experienced team
can negotiate a fixed price that
will deliver a substantial discount
off private hospital charges.
Your company’s private healthcare We also attract additional
requirements could be: discounts for pre-admission
payment of the hospital’s bills.
• To provide employees private
medical benefits without paying When high cost claims such as
insurance premium tax – cancer occur then, subject to your
currently 6% company’s instructions, we can case
• To substantially reduce the manage the treatment into NHS
cost of administration and centres of excellence, saving your
management charges company’s trust fund substantial costs.
• To benefit from the lowest cost We can build effective cost
of private medical treatment containment measures into the
available within the employee’s benefit design, to your company’s
local area exact specification.
• The ability to have a tailor made
benefits schedule to suit your The benefit design can also build
company’s specific needs or in affordable preventative treatment
retain the existing benefits - its to reduce the incidence of more
your client’s choice expensive acute claims.
• To enjoy a tailor made service All this adds up to a substantial
that fully meets your client saving for your client company of
company’s own high quality up to 25% - including re-admission
standards to hospital for any complications.

9. Our aim is to achieve the lowest • Cost of claims typically up to
possible private hospital charges 25% lower than equivalent
every time your company’s medical insurance cover
employee needs private hospital • Interest paid on surplus funds
treatment. held in trust
• Client company branded
The private medical literature
insurance companies • Maximum claims liability limit
available
do none of the above! • High quality product and
service proposition for your
client company’s staff
The advantages • Nurse led claims management
of self-funding in • Web access for Group
trust are: Administrators for up to the
minute claims and policy
• No insurance premium tax to pay information, 24-hours per day
• Ability to design bespoke • Employee access via web to
benefit package policy and claims information,
documentation and information

10. Your company’s trust can buy
insurance protection
The good news is almost all companies that buy private medical treatment
in trust operate a surplus of funds over a typical five-year period but there
will always be a year when several catastrophe claims occur and claims
exceed expectations.
For companies running a surplus balance carried forward from previous
years the impact of catastrophe claims can be absorbed. If there are
insufficient or no surplus funds held in trust then an insurance stop loss
policy can limit the trust’s liability to a known maximum.
Either way, the risk can be contained to the client company’s satisfaction.
Your company trust can:
• Hold the surplus funds in trust to
reduce both the renewal costs
and the employee’s benefit in
kind tax
• Use the surplus funds to buy
additional benefits
• Retain the surplus funds in trust
as a provision against a future
higher than average claims
experience
• The company can have a
contribution holiday until the
surplus funds have all been used
to pay claims

11. On-line
administration
Your company will be able to add If you find your medical insurance
or remove employees by email. company is failing to contain costs
then discussing with New Vision
The latest claims, medical Healthcare the advantages of
management information and using our services will be the first
claims analysis will be available step to effective and long term cost
on-line. All information will be up to management.
date from the previous working day.
If you would prefer your advisors
There will be secure access to to talk to us about why our 21st
claims and medical management century approach to the tax
information for authorized persons. efficient and cost effective methods
we use then, please pass this
Self-funding private medical treatment brochure on.
in trust is the only growth area in the
private medical benefits industry as
confirmed by independent experts
Laing & Buisson.

12. To enjoy a tailor made service that fully
meets your own company’s high standards.
Contact us now for a no obligation meeting!
Booths Park No1, Booths Park, Chelford Road, Knutsford, Cheshire WA16 8GS
t: +44 (0) 845 625 1223 f: +44(0) 179 433 0090 e: enquiries@newvisionhealthcare.co.uk
www.newvisionhealthcare.co.uk