Small business Health Insurance

What is corporate health insurance?

Corporate health insurance, also known as company health insurance or private medical insurance (PMI), is a type of insurance provided by employers to support the health needs of their employees. This insurance covers medical treatments, consultations, and procedures in private healthcare facilities, offering a range of benefits that go beyond what the National Health Service (NHS) provides.

With corporate health insurance, employees can enjoy quicker access to medical care, shorter waiting times for appointments, and the convenience of receiving treatment in private settings, all of which contribute to a healthier and more productive workforce.

Employers negotiate corporate health insurance policies with insurance providers, which can be tailored to fit the size and budget of the company. Employees typically have the option to opt-in or opt-out during designated enrolment periods.

Cover can vary widely, with basic plans covering essential medical services, while more comprehensive options might include additional benefits like dental care, mental health services, and wellness programs.

Benefits of Corporate Health Insurance

  • Skip NHS Waiting Lists
  • 24/7 GP Service
  • Quality Mental Health Support
  • Attract Talent
  • Boost Productivity
  • Reduce Sick Days
  • Tax Deductible Product
  • Other Perks such as Gym Discounts & Health Checks

Compare Quotes From Leading Insurers

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.…

Bupa

Information

Since being established in 1947 BUPA has amassed more than 15 million health insurance customers and is considered as the…

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.…

Whats Covered?

Usually as standard

  • Hospital Costs - things like Operations and Surgery
  • Specialist Consultations
  • Private Tests and Scans like MRIs
  • Private Cancer Treatment
  • Private 24/7 GP
  • Perks like Gym Discounts
  • Some Mental Health Cover

Optional

  • Outpatients like Consultations and Tests
  • Therapies such as Physiotherapy and Osteopathy
  • Dental Costs
  • Travel Cover

Exclusions

  • Emergency Care (A&E)
  • Long Term Conditions (chronic)
  • Some Pre-Existing Conditions

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Matched or improved cover

Continued Medical History

Reduced Premiums

Ongoing support

How Much Does it Cost?

Factors Affecting The Cost Include

Number of staff covered

Premiums are based on number of insured lives. Staff may choose to insure their family too.

Staff Age

The older you are the more of a risk you are in the eyes of the insurer and so your premiums will be higher.

Your occupation

Some jobs are riskier than others.

How much cover you take

The more comprehensive the cover is the more it will cost.

Your policy excess

As with most insurances, how much you are willing to pay upfront to start a claim can affect the premium.

Business Postcode

Some areas in the UK are more expensive than others as the cost of care in those areas is more expensive.

What users love about our service

  • It's Free
  • 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
  • Protected medical history
  • Reduced premiums
  • Ongoing support

What Our Users are saying

Knowledge Hub

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Does Health Insurance Cover Dental? Comparing UK Insurers.

We've compared the dental cover available when you take out a health insurance policy with Aviva, AXA, BUPA, or Vitality.

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Private Health Insurance and Gym Discounts

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BUPA Well+

BUPA Well+

BUPA Well+ aims to lower barriers for individuals and families to access to a GP, as well as private mental health support and physio.

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