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Healthcare for you and your family (grades A to D only)

Last reviewed on 21 July 2018

The Co-op-funded healthcare scheme could help you and your family save on the cost of specialist care and get you the treatment you need quicker.

The healthcare scheme covers the cost of private medical treatment for illnesses or injuries that are curable and short term (also known as 'acute conditions').

Check if you’re eligible to apply for the Co-op healthcare scheme

If you're a colleague at grade A, B or C, you and your family can join the scheme.

If you're a colleague at grade D, you can join the scheme, but you’ll need to pay to add family members.

If you’re eligible, you can join the scheme within 8 weeks of joining Co-op or being promoted to an A – D grade. To register, call the WPA Protocol Healthcare Scheme Helpline on 0345 129 5450.

If you joined Co-op or were promoted to grade A – D more than 8 weeks ago, you’ll get a letter or email every November inviting you to join.

If you move out of grades A to D, your access to the scheme will stop from the date you take up your new role.

If you leave Co-op (including by TUPE transfer) your scheme membership will stop at the date you leave.

How the Co-op healthcare scheme works

You pay the first 25% of the cost of treatment for conditions covered by the scheme, up to a maximum of £150 per scheme year. The rest of the cost is paid for by Co-op.

You’ll need to get authorisation for treatment from WPA Protocol, who administer the scheme.

What’s covered depends on when you became eligible to join the scheme. You can check the scheme summary for more details.

How joining the healthcare scheme affects the tax you pay

Membership of the healthcare scheme is a taxable benefit - this means you'll pay tax based on the value of it.

The exact amount of extra tax you’ll pay will depend on how much you earn, and what level of healthcare cover you have.

To help HMRC calculate how much tax you’ll pay in 2018, we give each level of cover a ‘benefit in kind’ value which you’ll be taxed on. This means that if you take out:

  • individual cover - you’ll be taxed as if you were earning £648 more a year
  • self and partner cover - you’ll be taxed as if you were earning £1,296 more a year
  • self and children cover - you’ll be taxed as if you were earning £972 more a year
  • family cover - you’ll be taxed as if you were earning £1,620 more a year

Add family members to your healthcare (grade D only)

Eligible colleagues at Grade D can buy additional cover for family members. It costs:

  • £648 a year (£49.85 each payday) to add your partner to the scheme
  • £324 a year (£24.92 each payday) to add all of your children to the scheme
  • £972 a year (£74.77 each payday) to add both your partner and all your children to the scheme

Deductions are taken direct from your salary in 13 paydays over the year after tax.

If you need more information

Call the WPA Protocol Healthcare Scheme Helpline on 0345 129 5450.

You can read full details of each healthcare scheme in these guides.