Compare Business Health Insurance From The UK's Leading Insurers

Aviva
AXA Health
Bupa
Vitality
WPA
Our free business health insurance comparison service makes it easy to compare quotes from the UK's leading insurers, helping you compare cover, benefits and prices online.
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Why Consider It

Why Consider Business Health Insurance?

A genuinely valued employee benefit that can pay for itself in reduced absence and stronger retention.

Faster Access To Treatment

Helps staff jump NHS waiting lists and get back to work sooner.

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Boost Productivity

Quicker diagnosis and treatment means reduced sick days and less time off for your team.

Attracts Talent

A genuinely valued benefit that makes your company more competitive when hiring.

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Tax-Deductible

Premiums are a business expense, so they're tax-deductible for the company.

Comparing business health insurance renewal options

Already Insured?

Has Your Renewal Gone Up?

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  • Make Huge Savings
  • Get Improved Cover
  • Continue Staff Medical History
  • Switch Hassle-Free
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For Small Businesses

Small Business Health Insurance: What You Need To Know

Small business health insurance (typically 1-250 employees) is tailored cover for your workforce, whether that's a handful of staff or a growing team, customised around your business size and budget. When an employee opts in, it's a taxable "benefit in kind" for them, but tax-deductible for your business.

Small business comparing company health insurance options
Over 250 employees?

Businesses with more than 250 employees are generally categorised as Corporate Health Insurance, which offers different cover options built for larger organisations.

Compare Corporate Health Insurance
Just you? Sole trader or one-man band?

If it's just you, our self-employed health insurance guide covers cover options, cost and the tax rules specific to running solo.

Compare Sole Trader Health Insurance
Cover Detail

Business Health Insurance: What's Covered?

Cover varies by provider and plan, here's what's typically included.

Usually Standard

  • Hospital stays for operations and surgery
  • Specialist consultations
  • Diagnostic tests and scans, including MRIs
  • Private cancer treatment
  • Private digital GP

Optional

Typical Exclusions

Cost

How Much Does Business Health Insurance Cost?

Six things typically drive your premium up or down.

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Employees
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Age
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Hospital List
Level Of Cover
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Excess
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Postcode
Switching Made Easier

Can We Switch Without Losing Cover For Existing Conditions?

Often, yes, via Continued Personal Medical Exclusions (CPME). If a new insurer matches your existing terms, conditions already accepted for staff can carry across.

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Terms Reviewed
2
Conditions Matched
3
Cover Transfers
Small business owner who compared health insurance with Compare My Health Insurance
Why Use A Broker

What Business Owners Love About Our Service

A broker can compare the market, explain the trade-offs, and handle the process on your behalf, at no cost to your business.

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All Providers
Free, 5-Star Advice
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Support After You Buy
No Pressure
Why Compare

Why Should You Compare Business Health Insurance?

The premium, cover and benefits can vary considerably between providers, comparing helps you find genuine value.

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Premium
Cover Level
Insurer
Renewal
Small business owners who compared their health insurance with Compare My Health Insurance
Case Studies

Recent Client Outcomes

A few examples of recent outcomes achieved when businesses have chosen to compare their health insurance options with Compare My Health Insurance.

New To Health Insurance

Financial Services Firm

London · 35 Employees
  • More competitive quote secured
  • Bespoke wellbeing benefits included
  • Smooth staff rollout at London HQ
Renewal Review

Education Sector

London · 69 Employees
  • Saved over £30,000 vs renewal
  • Added worldwide travel cover
  • Improved overall benefits package
Enhanced Existing Cover

Entertainment Business

UK Business · Existing Scheme
  • Saved over £10,000
  • Added cancer cover
  • Upgraded wellbeing perks
Stayed With Existing Insurer

Manufacturing Firm

Midlands · 42 Employees
  • No need to switch provider
  • Saved £3,500 with better cover
  • Improved hospital network to include Central London

Examples shown are based on real client outcomes. Savings and policy improvements will vary depending on business size, claims history and cover requirements.

FAQs

Business Health Insurance FAQs

How does a business health insurance comparison work?

Our business health insurance comparison service takes a few details about your company, such as employee numbers and cover needs, and matches you with a trusted FCA-regulated broker who can compare quotes from leading providers on your behalf, free of charge.

Is company health insurance the same as business health insurance?

Yes, they're the same thing. Both terms describe health insurance designed to protect employees' health and wellbeing while helping the business reduce absence and boost productivity.

What is business health insurance in the UK?

Health insurance that provides medical cover to employees, covering costs and facilitating faster access to healthcare, which can improve overall workplace wellbeing and reduce sick days.

Is small business health insurance different from larger company schemes?

Not fundamentally, but insurers offer bespoke policies sized to smaller teams (typically 1-250 employees), often with more flexibility on eligibility and cost than schemes built for very large employers.

Are there tax benefits for providing business health insurance?

Yes, premiums are considered a business expense and are tax-deductible. For employees, cover is classed as a benefit in kind, so it's worth speaking to your accountant for guidance specific to your business.

Can I keep existing employee benefits if I switch provider?

Often, yes. Many insurers offer similar benefit structures, and in many cases you can carry over cover for pre-existing conditions already accepted under your current policy, a broker can help negotiate this as part of the switch.

Are there penalties for switching business health insurance provider?

No, but it's best done at your policy's renewal date to avoid a gap in cover. Our switch and save service can help make the transition hassle-free.

Can businesses offer health insurance to part-time employees?

Yes, though specific terms and eligibility criteria vary by insurer and plan, worth checking with your broker for your chosen provider's rules.

Do business health insurance brokers charge a fee?

No, brokers are paid commission by the insurer for a successful introduction, so you get free, FCA-regulated advice and ongoing support at no cost to your business.

What's the difference between business health insurance and business protection insurance?

Business health insurance (private medical insurance) covers the cost of private healthcare for employees. Business Protection Insurance instead protects the financial stability of the business itself, covering things like key person cover and shareholder protection.

Related Guides

Explore More Health Insurance Guides

Whether you're comparing across the whole market, or looking at your own personal cover too.

Best Small Business Reviews

See how the leading small business insurers compare, insurer by insurer.

Business Renewal Guide

Read our full business health insurance renewal guide.

Corporate Health Insurance

Over 250 employees? See our corporate health insurance guide.

Self-Employed

Self-employed health insurance if you're running your business solo.

Cost Of Health Insurance

See our general cost guide and free calculator.

Personal Renewal Guide

Reviewing your own cover too? See our personal renewal guide.

Sources & Disclaimer

Written and reviewed by: Darren Lewis, health insurance specialist and founder of Compare My Health Insurance. Last reviewed: July 2026. Next scheduled review: January 2027.

Per-employee pricing shown is indicative, based on recent published market data for each insurer's business health insurance schemes. Actual pricing depends on your team size, age profile, cover level, excess and hospital list. Always confirm current details with your insurer or one of our brokers.

Compare My Health Insurance works with FCA-regulated broker partners and may earn a fee when you take out a policy through our service. This does not affect our editorial content above. Any information on this page is for general information only and should not be considered financial advice, regulated advice or a personal recommendation. Suitability depends on your individual circumstances, needs and budget.

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