Employee Benefits That Matter
Offering health insurance is one of the most valued employee benefits. Our small business health plans provide your team with access to quality healthcare while helping you attract and retain talent with competitive benefits packages.
- Plans for businesses of 2-250 employees
- Flexible coverage options to suit various budgets
- Tax-efficient benefits for your business
- Group discounts compared to individual policies
- Customisable plans with optional add-ons
Insurance Cover
Individual health insurance typically covers inpatient treatment, day-patient treatment, outpatient consultations, diagnostic tests, and specialist referrals
Virtual GP Services Available
Convenient Online Access: Many UK health insurers now offer virtual GP services as part of their policies, allowing you to speak with a qualified GP from home or work, often within hours.
Comprehensive coverage designed around your unique healthcare needs and budget. Whether you’re looking for basic coverage or a premium plan with extensive benefits, we’ll help you find the perfect match.
Peace of Mind is only a phone call away
Company-paid health insurance is generally considered a benefit-in-kind for employees and is subject to income tax and National Most UK insurers offer group health insurance plans for businesses with as few as two employees. Some providers specialise in small and medium enterprises (SMEs) with up to 250 employees, while others cater to larger corporations. The key requirement is typically that there must be a genuine employer-employee relationship, with all insured individuals being active employees on PAYE.
Company-paid health insurance is generally considered a benefit-in-kind for employees and is subject to income tax and National Insurance contributions. However, businesses can deduct the premiums as a business expense, reducing corporation tax. Additionally, some insurers offer Healthcare Trust arrangements or Health Cash Plans that can provide more tax-efficient solutions for both employers and employees.
No, many insurers allow you to provide different levels of coverage for different employee groups. This is often based on job role, seniority, or length of service. For example, directors might receive comprehensive coverage while entry-level staff receive a more basic plan. However, insurers typically require that all employees within the same eligibility category receive the same benefits to prevent adverse selection.
For small groups (typically 2-9 employees), insurers often use medical history disregarded (MHD) underwriting, which covers pre-existing conditions without detailed medical questionnaires. For larger groups (usually 10+ employees), most insurers offer full medical underwriting waiver, meaning no medical questions are asked and pre-existing conditions are covered. The specific approach varies by insurer and group size.
Yes, most group health insurance plans allow you to extend coverage to employees’ spouses, partners, and dependent children. This is typically offered as a voluntary option, with the additional premium either paid by the employee through salary sacrifice or by the employer as an enhanced benefit. Family coverage is often available at discounted rates compared to individual policies.