Business Healthcare
Private medical treatment for your team
To minimise the business impact of health-related absences, we’ll find the right insurance to meet your needs and ensure business continuity.
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Secure your team’s wellbeing and productivity
Illness and injury don't just affect individuals; they impact your entire operation. With business health insurance, you can ensure your team receives prompt and superior medical treatment without the delays common in public healthcare. Covering a range of medical expenses from tests and consultant fees to surgeries and private hospital stays, we can help you find a plan that enables your employees to return to work faster and healthier.
Minimise downtime while enhancing employee care
Access to healthcare means avoiding long NHS wait lists and accessing treatments not available publicly, keeping your team operational and at full strength. However, navigating the complexities of insurance options can be daunting, which is why our experts are dedicated to understanding your business needs so you can choose the right provider and policy.
Speak to an expertGet the facts
For more information, please download our guide to Business Healthcare.
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FAQs
How much does small business health insurance cost?
The cost varies based on several factors, including:
- Number of employees
- Company location
- Employee ages and family status
- Underwriting type, which depends on whether you already have health insurance coverage
Coverage options, excess levels, and hospital choices can be customized to fit your employees’ needs.
Is health insurance a business expense?
Yes. If you’re a director of a limited company or a sole trader, you may be able to claim business health insurance as a tax-deductible expense.
To qualify, ensure you purchase a business health insurance plan, not a personal health insurance plan, as personal policies may not be eligible for tax deductions.
How do I get health insurance for my small business?
Our expert advisers can help tailor a policy that meets your business needs. Contact us to discuss your options.
What does small business health insurance cover?
Coverage depends on your policy but can include private hospital treatment, specialist consultations, diagnostic tests, and mental health support. Some plans may also offer dental and optical care.
Can I cover family members of employees under a business health insurance plan?
Yes, many business health insurance plans allow employees to add family members at an additional cost. This can be a valuable employee benefit.
What happens if an employee leaves the company?
If an employee leaves, they can often switch to a personal health insurance policy without needing to reapply. You can also adjust your business policy to remove them from coverage.