Private Medical Insurance

What is business medical insurance?

Group private medical insurance is a valuable employee benefit that provides access to private healthcare services. Offering this benefit can enhance your employees' wellbeing, reduce absenteeism, and attract and retain top talent.

The National Health Service (NHS) continues to be the cornerstone of our healthcare provision, but the ongoing pressures on the NHS have resulted in an unprecedented number of people waiting for treatment and surgery. One of the key advantages of private medical insurance is that it enables faster access to healthcare services and reduces waiting times.

This can reduce sickness-related absenteeism and its related costs and result in improved employee health and wellbeing, which, in turn, can lead to increased productivity. Offering group private medical insurance can also make your company more attractive to potential hires and help with staff retention.

Benefits to employers

Offering private medical insurance clearly shows that employee health and wellbeing are a top priority. It can help reduce sickness absence, support faster returns to work, and minimise disruption to your operations and other team members. By fostering a healthier, more productive workforce, it also helps to boost morale, strengthen loyalty, and enhance your company’s appeal to top talent. What’s more, the cost of providing cover can often be treated as an allowable business expense, making it a practical investment for employers. 

Benefits to your employees

Employees benefit from fast access to treatment when they need it most, without the long waiting times often associated with public healthcare. Treatment can be scheduled around busy lifestyles, offering greater convenience and peace of mind. Many business medical insurance policies also include quick and confidential access to specialist mental health support, as well as 24-hour virtual GP services that allow employees to receive initial assessments from home. In many cases, employees can join the scheme on a Medical History Disregarded (MHD) basis, meaning pre-existing conditions may be covered from as few as one employee. 

Expert guidance and support

If you're considering private medical insurance for the first time or seeking to optimise the benefits you currently have in place, our team of specialist consultants is here to help you. We understand that each business is unique, and that's why we provide independent and impartial advice tailored to the specific requirements of your business, your employees, and your budget.

With our experts guiding you, you can have confidence that you're making the right decisions for your employees' healthcare needs. Your wellbeing and that of your employees are our top priorities, and we are committed to ensuring you're in good hands every step of the way.

Our expert consultants can guide you if you're considering business medical insurance for the first time or reviewing existing benefits. We ensure the chosen plan meets your employees' needs, considering factors beyond price and terms.