Compare Business Health Insurance Quotes from the leading providers

Aviva

Information

Originally Norwich Union, Aviva are regarded as being the largest overall insurer in the UK and are an award winning…

AXA Health

Information

AXA PPP Healthcare have been in the market since 1940 and are one of the leading choices for many customers.…

Vitality Health

Information

Rebranded in 2014 they were originally Pru Health. Vitality set itself apart with a unique health rewards scheme which is…

WPA

Information

WPA is a non-profit organisation which means money can be reinvested into the business to create a better customer experience.…

Why consider business health insurance?

  • Staff Can Jump NHS Waiting Lists
  • 24/7 Same Day GP Service
  • Top Mental Health Support
  • Reduces Sick Days
  • Boosts Productivity
  • Make Your Company More Attractive to Talent
  • Creates a Happier, Healthier Workplace
  • Tax Relief for Business Owners
  • Other Perks such as Spa Breaks & Gym Discounts

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  • Make Huge Savings
  • Get Improved Cover
  • Continued Staff Medical History
  • Switch Hassle-Free + Free Ongoing Broker Support

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Health Insurance: A Smart Investment for Small Businesses

Business Health Insurance

Private health insurance for small business is a tailored type of cover designed to protect the wellbeing of your workforce. It typically applies to companies with 1 to 250 employees, helping staff avoid long NHS waiting lists and return to work faster, ultimately boosting productivity and reducing time off work.

Insurers offer bespoke policies for SMEs, whether you have just a handful of employees or a larger team. Plans can be customised around your business size, budget, and employee needs, making small business health insurance a smart investment in staff wellbeing and retention.

Offering private health cover can also make your company more attractive to top talent, helping you stand out in competitive recruitment markets by providing valuable employee benefits.

Your business pays the premiums, and when an employee opts in, it’s classed as a “benefit in kind” — a taxable employee benefit. However, the cost of providing health insurance is tax-deductible for the business, making it a financially efficient way to support your team.

For businesses with more than 250 employees, health insurance is generally categorised as Corporate Health Insurance, which offers different cover cover options.

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Small Business Health Insurance - Whats Covered?

Usually as standard

  • Hospital Stays for Things Like Operations and Surgery
  • Specialist Consultations
  • Diagnostic Tests and Scans Like MRIs
  • Private Cancer Treatment
  • Private Digital GP

Optional

Exclusions

  • Emergency Care
  • Chronic Conditions
  • Some Pre-Existing Conditions

How Much Does Business Health Insurance Cost?

Factors Affecting The Cost Include

Number of employees

Premiums are based per person

Employees Age

The older a person is, the more expensive they are to insure, as the risk of health issues increases with age

Your chosen hospital network

Having the option to access a wider range of top-quality hospitals will result in a higher premium

How much cover you take

he more comprehensive the coverage, the higher the cost of the premium

Your policy excess

The amount you and your employees are willing to pay upfront when making a claim—known as the excess—can impact the overall premium

Your business postcode

Some parts of the UK have higher premiums because the cost of healthcare in those areas is greater

What business owners love about our service

  • Access to the best rates on the market
  • Personalised service with a top-rated advisor
  • We're not tied to a single broker or insurer
  • Free advice
  • Protected medical history
  • Reduced premiums
  • Ongoing support

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What Our Users are saying

What are the benefits of using a health Insurance broker?

  • No Fee's
  • Experts In a Tricky Field
  • They Do The Heavy Lifting - Allowing You to Run Your Business
  • They Can Deal With the Paperwork For You
  • Regulated by The Financial Conduct Authority (FCA)
  • Provide Ongoing Support Throughout The Life of Your Policy

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Frequently Asked Questions | Business Health Insurance

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