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Most insurers class corporate schemes as 250 or more employees, with dedicated products like Aviva Optimum and Bupa Corporate Select, built differently from their standard SME plans for smaller groups.

Often yes, larger groups can access more competitive per-employee pricing and simplified underwriting options that smaller schemes typically can't, though your workforce's age profile and chosen cover level still matter most.

It lets employees join a scheme without completing individual medical questionnaires, reducing admin and friction when rolling out cover across a large workforce. Availability depends on group size and insurer.

Often yes, many corporate schemes allow employees to add a partner and children, usually at an additional cost either to the employee or the employer, depending on how the scheme is structured.

Usually excluded initially for new schemes, depending on the underwriting method chosen. If you're switching insurer, Continued Personal Medical Exclusions (CPME) can sometimes let you keep cover for conditions already accepted under your current scheme.

No, brokers are paid commission by the insurer for a successful introduction, so advice is free to your business, with no impact on your premium.