Company Health Insurance
Attract and retain the best talent with comprehensive health and wellbeing benefits — from private medical insurance to employee assistance programmes.
Health & Wellbeing Benefits
Company health insurance is one of the most valued employee benefits, reducing absence, improving morale, and demonstrating your commitment to staff wellbeing.
Private Medical Insurance
Fast access to private consultants, diagnostics, and treatment — reducing waiting times and getting your employees back to health and work quickly.
Dental & Optical
Cash plan or full dental and optical cover for routine check-ups, treatment, glasses, and contact lenses — a popular and cost-effective employee benefit.
Employee Assistance Programme
Confidential 24/7 helpline providing counselling, legal advice, financial guidance, and wellbeing support for employees and their immediate families.
Protection & Financial Security
Beyond healthcare, company benefits can provide financial protection for your employees and their families in the event of serious illness or death.
Group Life Insurance
Pays a lump sum — typically two to four times salary — to an employee's beneficiaries in the event of their death, providing vital financial security for families.
Group Income Protection
Replaces a proportion of an employee's salary if they are unable to work due to long-term illness or injury, typically paying up to 75% of pre-incapacity earnings.
Tax-Efficient Benefits
Employer contributions are an allowable business expense for corporation tax. Structuring benefits correctly can deliver significant value to employees at a manageable cost to your business.
Why Offer Health Benefits?
Investing in employee health delivers measurable returns for your business.
Attract & Retain Staff
Health benefits are consistently ranked among the most valued perks by employees, helping you recruit and retain talented people in a competitive market.
Reduce Absence
Fast access to private treatment means employees spend less time on NHS waiting lists and return to work sooner, reducing sickness absence and its associated costs.
Improve Productivity
Healthier, happier employees are more engaged and productive. Wellbeing programmes and early intervention reduce presenteeism and long-term health issues.
Frequently asked questions
Is there a minimum number of employees for a company scheme?
Most group private medical insurance schemes require a minimum of two or three employees, though some insurers offer schemes for sole directors and their spouse. The more employees on the scheme, the more competitive the rates tend to be, as the risk is spread across a larger group.
How is company health insurance treated for tax?
Employer contributions to private medical insurance are an allowable business expense for corporation tax purposes. However, the benefit is treated as a benefit in kind for employees and must be reported on their P11D. The employer also pays Class 1A National Insurance on the value of the benefit.
Are pre-existing medical conditions covered?
This depends on the underwriting basis chosen. Full medical underwriting excludes pre-existing conditions initially, while moratorium-based schemes automatically exclude conditions treated in the past five years but cover them if symptom-free for a continuous period. Some schemes offer medical history disregarded terms for larger groups.
Get the right cover
Speak to one of our expert brokers for a free, no-obligation quote.