Group Income Protection

Customers have access to a dedicated and experienced case manager, a single point of contact, who will handle their claim from submission to resolution. The case manager will work closely with both the employer and employee to ensure a successful and safe return to work is achieved.

There are no Group Income Protection claim forms to complete. A phone call to the dedicated case manager to gather all the information needed, is all it takes to start the claims process. Zurich uses eSignatures, which significantly speeds up the claims process and because of this consent is obtained quickly.

Zurich’s in-house claims and rehabilitation services teams are on hand to help clients manage employee absence from the earliest stage. They offer an integrated claims and rehabilitation model, which means a call to the dedicated claims case manager is all it takes to access this invaluable rehabilitation support. The rehabilitation consultants are medically qualified and vocationally skilled and are available to offer practical support and guidance prior to an employee absence, from the first days of absence, through to the resolution of any claim. They can also provide presenteeism support for employees who are still at work, but are likely to become absent without support or intervention.

Zurich recognises the need for medical underwriting to be completed quickly and conveniently. They provide a flexible, dependable and, above all, highly responsive underwriting service for their customers, and employees are automatically covered for a maximum of 120 days whilst being underwritten.

Zurich uses eSignatures which removes the need for paper forms to be completed, and digitally gathers the required information - significantly speeding up the Medical Underwriting process.

The eSignature service also prompts users if the form has any unanswered questions or missing signatures, meaning all the information is captured in one go. It also automatically emails users to remind them if there is any outstanding information.

And for Group Income Protection customers, members will be costed in the headcount at the standard unit rate, up to and including 100% extra morbidity.

These services are not part of the insurance contract and are non-contractual. They are not provided by Zurich and can be amended or withdrawn at any time. These services are free to access.

Employee Assistance Programme (EAP)

Zurich's Employee Assistance Programme is provided by Health Assured and offers 8 structured counselling sessions and unlimited access to a confidential helpline. The EAP is available to GIP members and their dependants (defined as immediate family members (spouse/partners) and children aged 16 to 24 in full time education, living in the same household). This service also provides access to Health Assured's Wisdom app, which includes an interactive mood tracker, four-week health plans and mini health checks to support overall wellness. For wellbeing support the app offers BrightTV, which features well-known personalities sharing their personal experiences with Mental Health. Users can also use the app to access Health Assured through call-back requests, email or live chat.

ZGP24

Customers will have access to Zurich virtual GP which is open to employees and their household.

The virtual GP offers:

• 24/7/365 unlimited access to experienced GPs – via phone or video (video consultations 8am-10pm, 7 days a week excluding Christmas Day)
• Unlimited call length means there's plenty of time to speak to a consultant without feeling rushed
• Private prescription writing, private open referrals and fit notes are all included at no extra cost

• Find out more about ZGP24

Second Medical Opinion services

We currently operate two Second Medical Opinion services, access to which one depends on how long your client has been a customer.

Understanding which service to use

New policies or existing customers going through a rate retest, initially quoted from 1st April 2025, have access to the Second Medical Opinion service provided by Further.

All other existing customers should continue to use the ZGP24 Second Medical Opinion service provided by HealthHero.

The quotation or policy information confirms which service (HealthHero or Further) is available to your client.

• Find out more about Second Medical Opinion

Precision CancerCare

This innovative Cancer Care service from Further, offers support and customised treatment plans using the latest tumour profiling technology to deliver an expert clinical report that provides personalised guidance regarding cancer treatment options.

By understanding the genetic make-up of the cancer, Further can provide a customised treatment plan specific to the molecular profile of the tumour, which can potentially improve outcomes, significantly reduce negative side effects of treatment and can help to improve the individual’s overall quality of life.

• Find out more about Precision CancerCare

Thrive Mental Wellbeing app

Thrive is a clinically effective wellbeing app that screens for anxiety and depression using NHS approved assessments. This app provides 24/7 support for mental health and wellbeing, by monitoring mood and teaching users relaxation techniques, such as meditation and deep muscle relaxation. These techniques with practice have been shown to help people cope better with stressful situations. It offers support and guidance to manage a range of stresses including bereavement, work-related issues or difficulty sleeping.

• Find out more about Thrive Mental Wellbeing app

Eldercare support

This Eldercare support service, provided by Podplan, is an online support and information service for those caring for an elderly relative, and for those who don't currently have caring responsibilities, but would like to be informed and prepared for the future. Membership includes shared access for up to four family members and a wide range of resources to help navigate the complex world of eldercare.

• Find out more about Eldercare support

Worldwide health and security information service

Crisis24 Horizon is an online and mobile service providing up-to-the-minute security and health information on more than 260 destinations worldwide, specific to the user’s location. Customers will have access to valuable advice and guidance on topics including safely using transport and how to mitigate threats to employees, their family and property.

• Find out more about Crisis24 Horizon

Zurich’s in-house Rehabilitation Team includes MHFA accredited trainers who offer free Mental Health First Aid training courses for GIP customers.

These courses are only available to employees who live and work in England.

• Find out more about the MHFA courses (356.9 KB/PDF)

Zurich offer a wide range of online workshops and webinars, and additional service overviews, for HR personnel, People Managers and employees.

The content covered in the workshops is reviewed regularly to ensure they remain current and up to date.

Further information on workshops can be found in the calendars below:

• Group Income Protection workshop calendar for HR and people managers (5.3 MB/PDF)
• Group Income Protection workshop calendar for employees (4.7 MB/PDF)

Zurich's Rehab Access Clinic hotline offers support exclusively for HR personnel to speak directly to a medically and vocationally qualified rehabilitation consultant. Here your clients will be able to discuss ‘non-claim’ related rehab queries or seek guidance in the complex area of employee health and wellbeing.

This service enables the team to support customers and proactively address concerns, potentially mitigating an absence.

This service is very useful for presenteeism cases, early intervention queries and for questions relating to engaging Occupational Health and Rehabilitation consultants.

Raise the alarm - suicide prevention support

If someone reports that they are having active suicidal thoughts or have an intent of attempting to take their own life, it can be a shocking and worrying experience. See their Suicide Prevention Support guide which provides 'in-the-moment' support and lots information on how to manage, or be prepared for, this type of distressing situation.

• Find out more about Raise the alarm

Bespoke Cancer Support service

Anyone dealing with a cancer diagnosis needs specialist support, reassurance and care. And Zurich are here to help. Their specialist nurses are on hand, every step of the way, offering tailored support and guidance.

• Find out more about Zurich’s in-house cancer support service

Environmental sustainability and ESG topics remain a key focus for Zurich. As part of their continued efforts to reduce their environmental footprint and help mitigate climate change, Zurich is partnering with Trees for the Future to support their restoration projects in Africa.

Zurich will be funding these projects, on behalf of their customers, which will plant trees, create valuable organic produce, restore degraded land and reduce CO2 emissions.

• Find out more about Zurich’s approach to sustainability
• Find out more about Zurich Group's sustainability

Zurich offer proposition meetings to help support the decision-making process as well as implementation meetings to introduce your dedicated case manager to go through the claims process, AVS and introductions to the customer relationship manager.