Private medical insurance from £25/employee/month — tax-efficient benefit
Skip NHS waiting lists — treatment when and where your team needs it
Attract and retain better people with a health benefit they actually value

Business health insurance (also called group private medical insurance or PMI) covers the cost of private medical treatment for your employees — giving them faster access to diagnosis, specialist consultations, and treatment than the NHS can typically provide. Policies can also include dental cover, optical cover, mental health support, and employee assistance programmes (EAPs). As a business expense, premiums are corporation tax deductible, making it a highly tax-efficient employee benefit.
NHS waiting times are at record levels — an employee waiting months for a consultant appointment or surgery is not at their best, and the impact on productivity and morale can be significant. Business health insurance gets your team the treatment they need quickly, reducing long-term absence and demonstrating that you genuinely invest in their wellbeing. In a competitive recruitment market, PMI is consistently cited as one of the most valued employee benefits.
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Common questions from employers comparing business health insurance options.
Core policies typically cover private inpatient treatment (hospital stays and surgery). Mid-range policies add outpatient cover (specialist consultations, diagnostics). Comprehensive policies also include mental health treatment, dental, optical, physiotherapy, and employee assistance programmes. The right level depends on your budget and what you want to offer your team.
The premiums your business pays are a P11D taxable benefit in kind for employees — they will pay income tax on the value of the benefit. However, the premiums are fully corporation tax deductible for your business. For many employees, the value of the benefit significantly outweighs the additional tax cost.
Most insurers offer group business health insurance from two employees. The more employees you cover, the better the rates — and the less underwriting scrutiny each individual faces. Larger groups typically benefit from community rating rather than individual medical underwriting.
Yes — most business health insurance policies allow you to extend cover to employees' spouses, partners, and dependent children at an additional premium. Family cover is highly valued by employees and can significantly enhance the attractiveness of your benefits package.
Premiums depend on the number of employees, their age profile, the level of cover, and the insurer. A core inpatient-only policy might cost from £25–£40/employee/month. Comprehensive outpatient cover typically costs £60–£120/employee/month. Comparing quotes from multiple specialist brokers is the most effective way to find the right cover at a competitive price.