REHABILITATION

Protecting people and your business

Our award-winning Rehabilitation team helps you look after injured people and keep your claims costs down.

Proactive support

We take a proactive approach to rehabilitation and early intervention is at the core of what we do. It enables us to provide swift, appropriate support, which helps people get back to work promptly, as well as reducing your claims costs.

Our approach

We help underwriters, risk managers, brokers and insureds with a range of rehabilitation and occupational health issues, such as absence management, rehabilitation best practices, and return to work policies.

Our Rehabilitation team comprises case management experts from a wide range of clinical backgrounds – physiotherapy, occupational therapy and psychology – and we are supported by a network of specialist service providers.

We provide bespoke, cost-effective services – ranging from carrying out workplace assessments to providing specialist medical care – to help injured people and employees recover and return to work promptly.

We can manage a very broad range of injuries, from minor ankle sprains to significant spinal injuries, as well as injuries resulting from major incidents, such as coach crashes.

We also share regular updates about the latest issues in rehabilitation via our blog

Rehabilitation services at a glance

Find out more about the award-winning range of rehabilitation services that QBE offers, from support with absence management to managing very serious injuries and post-claim rehabilitation.

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Your contact

Ian Chiswell

Assistant Claims Manager

Your contact

Ian Chiswell

Assistant Claims Manager

Learn about common injuries

In this guide, we look at the most common types of injury we see in Claims, their causes, how long it takes to recover from them and tips for getting better.

Rehabilitation services

We offer a range of rehabilitation services to our customers, with differing levels of support available, depending on your particular needs.

Recover and Restore

Employees that work with our Rehabilitation team following a workplace accident return to work on average 13% faster than those who don’t.

We cover all rehabilitation expenses up-front (Conventional policies), reducing the financial burden from both employee and employer. We then recover any associated costs as part of the claims process. Furthermore, rehabilitation customers may claim up to 13 weeks of employees pay under this scheme providing all eligibility criteria is met.

The service is just one of the ways in which we help our customers improve their claims experience and manage their cash-flow. QBE customers with a casualty policy* can access the service as standard.

To do so - we simply require:

an email notifying us of the absence within 72 hours of occurrence (subject to establishment of legal liability).
confirmation that the injured employee is engaging with our rehabilitation specialists.

On receipt of the email, we will begin and fund the rehabilitation process. If the employer is continuing to pay their employee throughout their absence - we will activate the reimbursement benefit for up to 13 weeks.**

Third-party claims handlers working on behalf of QBE casualty customers can also access the service.

^{*Customers that have renewed or acquired a policy on or after the 01.10.19}

^{**The injured party must continue to receive rehabilitation services for the entire period for reimbursement to take place.}

QBE Return+

For customers that need a more tailored rehabilitation service, QBE Return+ helps you manage the health and well-being of your employees by complementing your existing rehabilitation services.

We have a simple three-step process:

We will ask you to complete a short online questionnaire to help us identify your needs and any current service gaps.
Our team will then produce a tailored absence management and rehabilitation proposal.
Once you have agreed our proposal, our dedicated Rehabilitation consultant will work in partnership with you to implement the new service.

Find out more about QBE Return+

Post-claim rehabilitation referral

Our post-claim rehabilitation service facilitates appropriate treatment for injured employees, with an emphasis on supporting them back to work and helping them achieve the best recovery possible.

We can offer quick access to treatment such as physiotherapy or an MRI scan for a simple knee injury, through to a multi-faceted rehabilitation programme for a complex orthopaedic injury.

For catastrophic injuries (such as brain or spinal injuries), we are able to provide highly individual programmes, which can include housing adaptations, social care packages and vocational rehabilitation.

Refer here

Major incident response service

Our major incident response service is designed to minimise the impact of a major incident by providing a coordinated, prompt response.

We offer comprehensive services to policyholders and injured parties, including proactive pre-claim management to ensure that appropriate rehabilitation is delivered to those involved, as well as containing claims costs.

Download Summary Sheet

Bionic Rehabilitation service for First Notice of Loss (FNOL)

Providing customers with 24/7 access to recovery services following incidents.

How it works
Following a reported injury, claimants will be sent a ‘Digital Welcome’ email from one of QBE’s panel rehabilitation providers. The email will include the below Rehabilitation video that offers advice, guidance and information (in line with NHS guidelines) on how to best manage potential injuries and symptoms that may develop due to the collision.

Many of our claimants find that symptoms of whiplash resolve with conservative treatment and management. However, for cases where recovery is not progressing, claimants will be able to access physiotherapy services via a link provided in the email.

To access physiotherapy, claimants complete a digital rehabilitation assessment tool. This tool is market leading and effectively triages their injury to determine the clinically suitable treatment that will optimise their recovery. The assessment tool utilises proven algorithms that analyse the answers provided and matches them to an appropriate care pathway, which can include: virtual physiotherapy, face-to-face physiotherapy, self-management, NHS111, a GP or accident and emergency if required.

How do our customers benefit?
These types of treatment have the benefit of flexible access, so claimants can access it at a time and place of their choosing. The suite of rehabilitation services available means claimants can receive early, proactive rehabilitation treatment suitable for their injuries.

Find out more
If you would like any further information in relation to this new service please email the QBE EO Rehabilitation Team postclaimrehab@uk.qbe.com.