Zurich Corporate Risk for Mercer Marsh Benefits
Contents
Latest news from Zurich
At Zurich, supporting our clients and their employees is our priority especially during difficult times. That’s why we’ve partnered with Empathy, a bereavement support service, to offer guidance and comfort after the loss of a loved one.
Empathy Loss Support™ is available to our Zurich Group Life, Group Income Protection and Group Critical Illness customers and their employees as well as their families.
We’re pleased to introduce the Munny Financial Coaching Support service, which is now part of our Employee Assistance Programme for all our Group Risk customers and their employees.
Why it matters for your clients?
Through our partnership with Health Assured, the Munny Financial Coaching Support service provides employees with access to personalised financial information and guidance. Helping them to improve their financial wellbeing, with the goal of encouraging confidence and responsible money management.
What employees can discuss:
Employees can choose to focus their session on the topics that matter most to them, including:
- Budgeting and benefits
- Debt management
- Family finances
- Car finance or lease
- Buying a home
- Pensions and investments
All conversations are confidential and centred on general financial guidance. Munny doesn’t promote or provide advice on financial products, investments, or any regulated financial services.
How the service works:
- Employees book a 30-minute video call session
- Each session ends with a personalised Munny Plan
- They also get access to online tools such as calculators, webinars and follow up resources
Cancer affects a growing number of people of working age, 890,000 today in the UK, and rising to an estimated 1,150,000 by 20301. Over a million working people are also cancer carers2.
That’s why we’re excited to introduce our new Cancer Risk Assessment tool, provided by Further. This digital tool gives employees a personalised overview of their cancer risk, along with practical, evidence‑based recommendations to help them reduce it. It also offers clear guidance on screening and early detection strategies.
Cancer remains one of the leading causes of claim, and the impact goes far beyond the diagnosis itself. An employee diagnosed with cancer will take an average of 15 weeks off work3. So it’s no surprise employers really feel the impact across their business.
This tool can help to support employees to take proactive control of their health, helping to build a resilient and healthier workforce.
How can the tool help?
The tool can provide employees with:
- Clarity about their cancer risk factors – What is their current cancer risk?
- Personalised actions for prevention – Including practical lifestyle modifications
- Encouragement for early screening – Helping detect cancer when it’s easiest to treat
- Empowerment to manage their wellbeing – Giving confidence to make positive changes
Cancer Risk Assessment tool – key features
- Personalised snapshot of the cancer risk
- Prevention tips
- Guidance on screening and early detection, where appropriate
- Medical grade risk assessments
- Specific prevention questionnaires for:
- Breast cancer risk
- Bowel cancer risk
- Skin cancer risk
- Prostrate cancer risk
- Lung cancer risk
- Personalised tips to help lower risk
- Digital access through mobile phone or desktop
- Available for employees and their family
- Access to a wide range of useful resources
Sources
We're excited to introduce new enhancements to our ZGP24 service, provided by HealthHero, helping to support your clients to create a healthier workplace.
What's new?
Your clients and their employees now have access to three additional health and wellbeing features, now available through the ZGP24 app:
Online physiotherapy service
Quick, expert support for muscle, joint, and movement issues. Employees can access up to six tailored virtual sessions with qualified physiotherapists, including personalised exercise plans and ongoing guidance, helping to improve movement and physical health in the long term.
Dietitian and nutrition service
Personalised advice for digestive health, energy, weight management, and more. Employees can speak directly with a qualified dietitian online or by phone for practical, tailored nutrition support.
Symptom checker
Guidance whenever it’s needed. Employees simply answer a few questions online and receive clear, reliable recommendations for next steps, so they know where to turn for the right care.
As part of internal reorganisation within our Scheme Underwriting Structure, we are making changes to our MMB aligned Scheme Underwriting Team.
The Scheme Underwriting responsibilities for MMB will transfer to Wayne Bransgrove, Alex Birrell and Christina Sanders.
We appreciate the strong relationships you have with the current SUW Team, Anne, Deb and Owen and understand that continuity of service is important. To ensure a smooth transition, any new or existing schemes they are currently working on will continue to be managed by them and the new team with immediate effect, will pick up anything else. Anne, Deb and Owen will also be around to support the new team with queries they may have on some of the more complex schemes.
Why choose Zurich Corporate Risk
- A sensitive, efficient and no-fuss service
- An insurer that cares about its customers and the planet
- A fast, paperless claims service
- A 48-hour turnaround on all claims activity
- A dedicated claims manager – a single point of contact from submission to resolution for Group Income Protection claims
- Award-winning and valuable rehabilitation services that can help employees get back to work quickly and safely
- Access to third party added value services including Virtual GP service, Employee Assistance Programme and Crisis24 Assistance service
- Unique to ZCR, Precision CancerCare service offers your clients, and their employees support and access to customised treatment plans, using the latest tumour profiling technology
- A dedicated strategic support team to help manage new and existing scheme queries
- Direct access to your dedicated Scheme Underwriter
- Enhanced terms for MMB Elect Group Income Protection
Mercer Marsh Benefits Elect
Find out more information about the Mercer Marsh Benefits Elect programme:
Mercer Marsh Benefits enhanced terms for Group Life and Group Income Protection
- Scheme tolerance threshold increased to 50% from 25% during the rate guarantee period and 25% from 15% between quotation and “on risk” data
- Group Life: AAL of £1.5m for 20 to 100 lives and £2m for more than 101 lives
- Group Income Protection: AAL of £150K for 20 to 100 lives and £180k for more than 101 lives. Higher AALs available for limited payment term
- Waiving of non-annual payment frequency loadings
- 3 months redundancy cover included with no scheme loading applied. This needs to be requested at quote stage
- Medical Underwriting decisions and loadings will be waived up to the quoted AAL with the exception of members who have been declined, postponed and/or excluded
- Multi-product (Group Risk) discount of 2% applied to second placed or cheapest premium product
Environmental, Social and Governance (ESG)
Environmental sustainability and ESG topics remain a key focus for Zurich. As part of our continued efforts to reduce our environmental footprint and help mitigate climate change, we're proud to be partnering with Trees for the Future to support their restoration projects in Africa.
We’ll be funding these projects, on behalf of our customers, which will plant trees, create valuable organic produce, restore degraded land and reduce CO2 emissions.
It's our way of saying 'thank you' for choosing Zurich!
Zurich Corporate Risk products
Online workshop calendars
Zurich’s free online workshops cover topics exclusively for HR and people managers as well as targeted workshops for employees too.
Meet the team
Document library
- Additional value services guide for Brokers (94.3 KB/PDF)
- Registered proposal form (1.5 MB/PDF)
- Excepted proposal form (1.5 MB/PDF)
- GIP proposal form (1.4 MB/PDF)
- Registered GL T&Cs (208.8 KB/PDF)
- Excepted GL T&Cs (204.6 KB/PDF)
- Group Income Protection T&Cs (371.8 KB/PDF)
- Group Critical Illness cover T&Cs (1.6 MB/PDF)
- Authorised signatures form – GIP (51.4 KB/PDF)
- Authorised signatures form – GL (49.9 KB/PDF)
- Health & Activities form (862.6 KB/PDF)
- Preferred Provider Panel Terms from Zurich (1.1 MB/PDF)
If you can't find what you are looking for you can find more information in the document library which contains policy guides, terms and conditions, rehabilitation support materials and other useful resources.
Zurich Community Trust (ZCT)
Through an inspiring range of grant-making, fundraising and volunteering programmes within the UK, ZCT has one aim – helping to build a more inclusive and resilient society.
