What “No Bias” Really Means
In many traditional employee benefit schemes, cover comes with conditions. Staff are asked to complete medical questionnaires, disclose personal health information, or accept exclusions based on pre-existing conditions. This creates uncertainty for employees and administrative challenges for employers.
Welplan works differently. As one of the few employee benefit schemes with no medicals in the UK, it removes health checks, personal assessments and hidden clauses altogether. Every eligible employee receives the same cover, regardless of their health history, lifestyle or personal circumstances. There are no exclusions for pre-existing conditions, and no clauses that quietly limit support when it is most needed.
This approach means the scheme is fair from day one. Employers can be confident that all staff are protected equally, while employees gain peace of mind knowing that they will not be judged or excluded because of their past or current health. By removing bias, Welplan creates a benefit scheme that is truly inclusive and transparent, offering clear support for every worker across the business.
How This Benefits Employers
A benefit scheme without medical checks or exclusions is not only better for employees, it is also much easier for employers to manage. With Welplan, there is no need to collect health data, chase medical forms, or deal with lengthy approval processes. Enrolment is fast and straightforward. Once an employee is added to payroll and included in the employer’s data submission, their cover begins immediately.
This simplicity reduces the administrative burden on HR and payroll teams. Instead of managing multiple exceptions or explaining complex exclusions to staff, employers oversee one scheme with clear and consistent rules. It also shortens onboarding, meaning new starters can be included from day one without delays.
For employers in construction, where teams are often project-based and change quickly, this efficiency is particularly valuable. Whether a company is hiring temporary staff for a new site or expanding its permanent workforce, Welplan ensures that cover is in place without complicated checks. The result is a benefit scheme that saves time, reduces risk, and gives reassurance to the entire team.
The Discretionary Advantage
Welplan is not a traditional insurance product. It operates as a discretionary employee benefit scheme, which means claims are reviewed on their individual merits rather than against rigid exclusion clauses. This makes the scheme more flexible and more responsive to real-world situations.
In an insurance model, claims are often rejected if they fall outside narrowly defined rules. A pre-existing condition might exclude an employee, or a clause might limit support for mental health or high-risk circumstances. With Welplan, trustees review each claim based on fairness and need. The aim is to provide support wherever possible, not to find reasons to decline.
For employers, this discretionary approach offers an added layer of reassurance. It means that even in complex or unusual situations, there is scope for claims to be approved. For employees, it provides confidence that they will be treated as individuals, not as numbers in a policy contract.
This flexibility, combined with the absence of medical checks or exclusions, makes Welplan’s scheme more inclusive and humane. It reflects the realities of life in construction, where challenges are varied and unpredictable, and ensures that support is available when it truly matters.
Cover That Reflects Real Site Risk
Construction is a demanding industry. Employees face physical risks on site, but they also deal with the mental and emotional pressures that come with long hours, tight deadlines and challenging environments. A benefit scheme that excludes common or serious conditions fails to reflect the reality of the workforce.
Welplan takes a different approach. Its cover extends to areas that are often restricted or excluded in traditional insurance policies. This includes mental health absences, suicide, and long-term conditions such as cancer. By recognising these risks without prejudice, Welplan provides protection that truly matches the needs of construction employers and their teams.
For employees, this is especially important. Many benefit schemes provide cover in theory but limit it in practice by excluding the situations most likely to affect workers. With Welplan, staff know that if they face a difficult illness, a mental health crisis, or a tragic circumstance, their scheme is designed to respond.
For employers, this inclusive approach means fewer disputes, clearer communication and greater trust from their workforce. Employees feel valued and supported, which strengthens morale and loyalty. In a sector where retention is a constant challenge, cover that reflects real site risk can make a significant difference.
Why Employees Appreciate It
For employees, the true value of a benefit scheme lies in knowing it will be there when they need it most. Too often, traditional insurance schemes create false reassurance by advertising broad protection while quietly excluding the most common or serious situations. Workers only discover these exclusions when they attempt to make a claim, which can lead to disappointment, stress and a breakdown in trust.
Welplan’s model is different. With no medical checks, no exclusions and no bias, employees can feel confident that their cover applies equally to everyone in the workforce. They do not need to worry about being judged on their health history, lifestyle or personal circumstances. Instead, they have peace of mind that if they are unwell, injured or facing a personal crisis, the scheme is designed to support them fairly.
This inclusivity is particularly meaningful in construction, where staff know that risks are varied and unpredictable. The reassurance that mental health, cancer and even suicide are covered helps employees feel protected in areas that other schemes often overlook. As a result, they see the scheme as a genuine safety net rather than a product full of hidden conditions.
When employees trust their benefits, they are more likely to value their employer, feel secure in their role and remain loyal to the company. In this way, a fair and inclusive scheme does more than protect staff — it strengthens workplace relationships and supports long-term retention.
Help Your Workforce Feel Protected From Day One
Welplan’s approach to employee benefits is simple, fair and inclusive. With no medical checks, no exclusions and no bias, every worker receives equal protection from day one. For employers, this means easier onboarding, reduced administration and greater trust across the workforce. For employees, it means genuine peace of mind that their scheme will support them in the moments that matter most.
Speak directly to your Welplan account manager. By choosing Welplan, you can give your workforce the reassurance they deserve while making benefits simpler and more effective for your business.