Business Health InsuranceSupport Your Team’s Wellbeing
Private health cover can be a valued part of your employee benefits. We’ll help you compare suitable schemes for your business and budget, explained in plain English.
Business Health Insurance Enquiry
Free, no-obligation advice for your business.
Does your business already have a health insurance scheme?
Who is your current scheme with?
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One of our specialists will be in touch to discuss your business’s needs.
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01909 496592
What is business health insurance?
Business health insurance helps pay for eligible private medical care for your employees, giving them access to diagnosis, treatment and support within the terms of your chosen scheme.
A healthy, supported workforce can help your business run more smoothly. Access to appropriate care may help employees recover sooner and reduce time away from work due to illness, easing pressure on colleagues and helping maintain productivity. Offering health insurance can also help employees feel valued and strengthen your staff benefits package.
Working alongside the NHS
Private cover doesn’t replace the NHS. Employees keep their NHS GP and NHS care, and A&E and emergency treatment stay with the NHS.
Potential benefits for your business
A well-chosen scheme can support your people and form part of a competitive benefits package.
For employees
A route to private treatment for eligible conditions, with more choice over how their care is arranged, within the scheme’s terms.
For employers
A benefit that shows you value your team’s wellbeing and can help when attracting and keeping good people.
What can a scheme include?
Most schemes start with core cover, with optional benefits you can add.
Hospital treatment
Eligible treatment that needs an overnight hospital stay, such as surgery and related nursing care.
Day-patient care
Eligible treatment that needs a hospital bed during the day, with no overnight stay.
Cancer cover
Many schemes include eligible cancer treatment. How far it extends differs between insurers and plans.
Optional benefits, depending on the scheme
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Outpatient cover
Specialist consultations, tests and scans, often with a yearly limit.
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Mental health support
From limited outpatient help to wider cover.
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Therapies
Such as physiotherapy, usually with session or financial limits.
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Digital GP
Remote GP appointments by phone or video, where included.
Benefits, limits and exclusions vary by insurer and scheme. We’ll explain exactly what each option includes — and there’s more in the FAQs below.
Choosing benefits and budgets
Whether you’re starting a scheme or reviewing one, a few choices shape the cover and the cost.
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Benefit levels
Core cover only, or with outpatient and other options.
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Excess and hospitals
A higher excess or more focused hospital list can lower the cost.
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Who’s included
All employees or selected groups, with optional family cover.
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Reviewing a scheme
Renewal is a good time to check your scheme still fits.
Premiums also depend on the ages and locations of the people covered, the scheme’s claims history and the underwriting chosen, and are usually reviewed each year at renewal.
Leaving your employer’s health scheme?
If you’re retiring, changing jobs or your workplace cover is ending, we can help you explore personal health insurance.
Some insurers offer ways to continue cover on a personal policy, but continuation options, application deadlines, underwriting and how existing conditions are treated all vary by insurer and circumstances. The new cover and price may differ from your workplace scheme, and acceptance isn’t guaranteed.
Where possible, get in touch before your current scheme ends so there’s time to look at your options.
- RetiringExplore whether personal cover could continue your private health care.
- Changing jobsCompare options if your new employer doesn’t offer a scheme.
- Scheme endingUnderstand the choices available before your cover stops.
Important limitations
Every scheme has exclusions. These are some of the most common.
Existing conditions
Conditions people had before joining may be excluded or restricted, depending on the underwriting.
Chronic conditions
Ongoing management of long-term conditions isn’t normally covered.
Emergency care
A&E and emergency treatment stay with the NHS. In an emergency, call 999.
Different underwriting options may be available depending on the insurer and the size of the scheme. Your scheme’s terms decide what’s covered, and any claim is assessed against those terms.
How Bright Cover helps
Straightforward advice for businesses, from first conversation to renewal.
Understanding your business
We learn about your team, your priorities and your budget.
Comparing suitable schemes
Options from UK health insurers side by side, explained clearly.
Support at renewal
We help you review your scheme so it keeps meeting your needs.
Business health insurance FAQs
Answers to questions employers often ask.
Can a small business set up a scheme?
Schemes are available for businesses of different sizes, but each insurer has its own eligibility rules. Tell us how many people you’d like to cover and we’ll explain the options available.
Can employees add their families?
Many schemes allow employees to add a partner or children, sometimes at their own cost. Whether this is available, and who pays, depends on the insurer and how the scheme is set up.
How are existing medical conditions treated?
It depends on the underwriting. Different approaches may be available depending on the insurer and the size of the scheme, and they affect whether conditions people had before joining are covered. We’ll explain the options before you decide.
Can we review our existing scheme?
Yes. We can review your current scheme ahead of renewal and compare suitable alternatives. Before any change, we’ll check how existing cover and conditions would be affected.
Are there tax implications?
Workplace health insurance can have tax implications for both employers and employees. We recommend checking the details with your accountant or tax adviser.
Can employees still use the NHS?
Yes. Private health insurance works alongside the NHS. Employees keep their NHS GP in most cases, and A&E remains the place for emergencies.
What happens when an employee leaves?
Their workplace cover usually ends when they leave the scheme. Some insurers offer ways to continue cover personally, with rules that vary. See leaving your employer’s health scheme for more.
Ready to discuss your business?
Send us a few details and we’ll be in touch to talk through your options.