Business Health Insurance
Protect your employees, protect your business
Business health insurance also known as group private medical insurance (PMI) is one of the most valued employee benefits you can offer. It gives your team faster access to the treatment they need, reduces absenteeism, and signals to employees that their wellbeing matters.
Whether you're a sole trader, a small business or a growing company, we compare group health insurance policies from Aviva, AXA, Bupa, Vitality and more to find the right cover and the right price for your organisation.
- Cover from 1 employee upwards
- Reduce employee absenteeism with faster treatment
- Attract and retain top talent with a valuable benefit
- Free & no-obligation quote
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Or call us now: 0800 131 0400Why offer business health insurance?
Health insurance is one of the most in-demand employee benefits. Offering it can transform your ability to attract, retain and support your team.
Reduce Absenteeism
Employees return to work faster when they access specialist diagnosis and treatment quickly reducing the impact of sick leave on your business.
Attract & Retain Talent
Health insurance is consistently ranked among the most valued workplace benefits helping you recruit and retain the people your business needs.
Mental Health Support
Mental health is a leading cause of workplace absence. Group health insurance provides fast access to counselling and mental health treatment for all employees.
Cancer Cover
Cancer diagnosis and treatment covered for all employees on the policy, providing peace of mind that they will receive the best care if the worst happens.
24/7 GP Access
Employees can speak to a GP at any time via a digital service reducing the need for time off to attend GP appointments during working hours.
Boosts Productivity
Employees who feel supported and healthy perform better. Offering health cover demonstrates genuine investment in your team's wellbeing.
We compare the UK's leading insurers
We search across all major group health insurance providers to find the best policy for your business.
Business health insurance frequently asked questions
Business health insurance is available from just 1 employee. Sole traders and directors can take out a policy for themselves, and most group policies start from 2 employees. Some insurers require a minimum of 3 or 5 employees for group cover, but this varies. Our advisers will identify which insurers and products are best suited to your company size.
Business health insurance premiums are generally tax deductible as a business expense, meaning the company can claim them against corporation tax. However, the benefit is treated as a Benefit in Kind (BIK) for employees, which means it is subject to income tax and National Insurance contributions. We recommend seeking advice from your accountant for guidance specific to your situation.
Business health insurance typically covers specialist consultations, diagnostic tests, in-patient and day-patient hospital treatment, cancer cover and a digital GP service. Optional add-ons often include mental health support, physiotherapy, dental and optical cover, and an Employee Assistance Programme (EAP). The exact cover depends on the policy and level of cover your business chooses.
Yes st group health insurance policies allow employees to add their partner and dependent children to the plan, usually at an additional cost to either the employer or the employee. This can significantly enhance the value of the benefit and is something many employees look for when evaluating a job offer.
The cost depends on the number of employees, their ages, the level of cover chosen and the insurer. Group policies often offer better value per person than individual policies. Our advisers will gather your requirements and compare the market to present you with options that suit your budget, from basic to comprehensive cover.
When an employee leaves, their cover under the group policy ends. Many insurers offer a "continuation option" which allows the departing employee to take out their own individual policy without needing to provide further medical evidence. This can be a valuable benefit for employees and should be considered when choosing a group policy.
What Our Clients Say
We are proud to be trusted by clients across the UK for clear, independent health insurance advice. Our reviews reflect the personalised service, expert guidance and ongoing support we provide from first enquiry through to renewal.
"Amazing customer service very nice and polite made sure I understood everything that was explained would definitely recommend."
Mandy Jane - Trustpilot review
Invest in your team's health
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