Occupational healthcare procurement involves two types of procurement in Finland, in fact: occupational healthcare services and the employee insurances used to complement these services. We help you find an occupational healthcare solution that meets your needs at the best price.
As a large part of the costs of occupational healthcare are often covered by different company insurance policies, it does not matter what kind of insurance the employees have. There are also many occupational healthcare providers, and they offer a wide range of services.
Why not let a professional who is independent of healthcare providers and insurers review the personal insurance coverage and occupational healthcare package of the company you represent? Our professionals’ analyses often provide cost savings and observations on which occupational health services truly make an impact on the company's operation.
Occupational healthcare bidding
It is good to regularly analyse the content of occupational healthcare and the service provider. However, comparing can be difficult, because service provider packages consist of very different things and because the service providers use different billing models. Some prefer package solutions with more fixed pricing, while others charge for each service on a per-service basis.
When it comes to occupational health services, it is similarly important to assess the necessity and effectiveness of each service. You do not want to pay for a service that does not actually improve the well-being of your employees, after all. Sometimes companies also have overlapping contracts. You might be paying for the same thing both in the occupational healthcare contract and in employee insurance.
When should you arrange a bidding for occupational healthcare?
You should arrange a bidding for occupational healthcare on a regular basis every few years. As a recent example, mergers in which smaller operators have joined large national chains have brought up their own challenges. This may lead to changes in the service’s quality and in how it is organised.
In general, arranging a bidding is always worthwhile if you are not satisfied with the current service’s quality, costs or level of cooperation.
Statutory occupational healthcare only includes guidance and prevention
Statutory occupational healthcare is based on the prevention of health hazards and harmful effects caused by work and working conditions. The aim is to improve and maintain the health and work ability of your employees.
According to the Occupational Health Care Act,occupational healthcare activities include, for example, guidance and advice on safe and healthy working conditions and methods. The occupational healthcare service provider guides and advises both the employer and employees.
More extensive occupational healthcare services attract and help skilled experts stay committed
The demand for skilled experts has increased in many sectors to the point where companies have to attract employees with various employee benefits. For employers, employee benefits are an affordable way to offer remuneration instead of monetary compensation.
Providing very extensive occupational healthcare services is a benefit valued by many employees. For the employer, it is often more beneficial that the employee gets quick access to high-quality care services and returns to work as soon as possible.
There are a variety of occupational healthcare service providers for different needs. There are major service providers and smaller companies specialised in certain needs. A key aspect of selecting an occupational healthcare service provider is that the company has set up clinics in all locations where you are active.
Occupational healthcare operators cooperate with insurance companies
The costs of extended occupational healthcare services are typically covered through voluntary employee insurances. This means that if they so choose, your employees can visit only one service provider: occupational healthcare. The part of the services not covered by your occupational healthcare contract will be reimbursed from your insurance.
Most insurers cooperate with occupational healthcare operators, so that services outside occupational healthcare can be invoiced directly from your insurance company. This means that your employees do not necessarily need to see which part of the service is covered by occupational healthcare and which by insurance.
Keep your occupational healthcare contract up to date
The occupational healthcare contract is often arranged when the company begins its operation, after which the contract might remain the same for years. Most occupational healthcare providers strive to provide their clients with the most comprehensive services possible. However, comprehensive services do not always mean reasonable costs, nor do they always correspond to the company’s actual needs. Because of this, consulting an expert to determine the appropriate level of services is important.
Whenever employee insurances and occupational healthcare agreements are taken out or made, everything should be planned carefully. We will survey your company’s needs, compare the current solution with the identified needs and make proposals for changes.
If you are considering changing your occupational healthcare service provider, contact us. We will assess whether your occupational healthcare contract or the insurance coverage of your employees needs bidding and whether this is the right moment to arrange this. We are also happy to help with other matters related to your company's insurance coverage and the planning of employee benefits.