Mutuals and not-for-profits grew up in a time before the NHS, and in the first half of the twentieth century, provided healthcare support and funding for many millions of people.

Nowadays, mutuals and not-for profit healthcare providers work alongside the NHS and provide support to individuals and businesses that help them lead healthier lives and to support treatment.

Around three million people use mutual healthcare products to help pay for a range of healthcare needs, from dental and optical care, to psychotherapy and stress management.

We have developed the following calculators, to help small businesses to understand the impact of absenteeism and presenteeism on their business. Use the sliders in the boxes below to reflect your business, and see how the affects of having a member of staff ill, or coming into work unwell, can impact on your business.

The calculators are designed to provide a general view and not an accurate situation for your organisation. To find out more about solutions to any concerns you have, contact your financial advisor, or speak to one of our healthcare or protection members.

Contains public sector information licensed under the Open Government Licence v3.0.

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