After five years of service, colleagues are entitled to the benefit of a contributory private medical insurance scheme. Colleagues with five years’ service or more can opt to join the scheme during the enrolment windows which occur twice yearly. We will contribute towards 50% of the cost of single membership. This subsidy means colleagues only pay 50% of the total annual premium, payable via net monthly salary deduction, and we will pay the other half directly to the insurer.