Business Health Insurance
A broker-led approach to business health insurance. My Health Pal offer clear advice, multiple insurer options and cover that is customised to exactly what you need. We’ll help you choose the right mix of benefits, access and premium control for the best price.
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Having know Matt for a number of years, dealings with him have personally always been an easy one and a pleasure.
Providers need brokers as much as brokers need providers. The only thing that truly makes this work is the ability for both sides to see and appreciate the value in having and maintaining an open and honest relationship.
This in turn will and has always produced mutually beneficial outcomes, and happy clients/members.
Thank you Matt.Yogesh Patel
Working with Matt Hall was a game-changer as his expertise and personalised approach made all the difference. Matt took the time to understand my needs and budget, then presented me with tailored options that gave me peace of mind. Matt’s commitment to transparency and advocacy ensured I got the coverage I needed at the best possible price. I highly recommend Matt to anyone seeking clarity and support in navigating the complex world of health insurance.Chris Slack
I cannot praise Matt Hall enough for his fantastic advice and service. From the moment I reached out, Matt provided invaluable guidance, helping me navigate the complexities of health insurance with ease. His expertise ensured I found the perfect plan tailored to my company, saving both time and money. I highly recommend Matt to anyone seeking reliable and knowledgeable assistance in selecting health insurance.Shaun Smith
Matt was very helpful and informative. He listened to our needs and found the best policies. He explained how they worked, the differences and benefits of each one allowing us to make the best choice. The prices were better than we could get going direct to the providers. Would highly recommend.David
Why Business Health Insurance?
Business health insurance, also known as company private medical insurance, is designed for employers who want to give employees faster access to private medical treatment alongside the NHS.
It is commonly used by small and growing businesses that want to reduce time off sick and offer en employee benefit that is valued.
Less time lost to illness:
Faster access to private consultations, tests and treatment can help your employees return to work sooner.
More predictable absence management:
Faster diagnosis can reduce long periods of uncertainty and extended sick leave.
A benefit employees genuinely value:
Employer-paid private medical insurance is widely recognised and can support recruitment and key staff retention.
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Key Features of a Business Health Insurance Plan
1.
Choice of Cover and Benefits
Business health insurance is flexible, so you can build cover around what your company actually needs. Choose the benefits and level of access you want and don't pay for extras that you don't need.
You can also offer different cover levels for different roles or seniority.
2.
Comprehensive Coverage:
From outpatient cover to inpatient care, and even additional options like Dental & Optical, mental health cover and more, these plans cover a broad spectrum of healthcare needs, ensuring your team has access to the best available services.
3.
Financial Control
Understand the implications of premiums, excess, levels of cover, and co-payments. These terms shape the cost and coverage of your plan, offering mechanisms to control expenses while maintaining premium healthcare services.
Implementation and Management
1.
Setting Up
Selecting and rolling out the right company health insurance policy involves assessing a wide range of business needs, comparing quotes, and understanding different policy benefits available.
2.
Ongoing Management
Effective communication, handling claims efficiently, and annual policy reviews are essential for smooth operation. Encourage a culture of employee health and wellness within your company to maximise the benefits of your health insurance plan.
Cost of a Business Health Insurance Plan
Business health insurance costs vary depending on team size, underwriting, employee demographics, cover level, and optional extras. Premiums can usually be managed with an excess, employee co-payments, and by choosing how much the business contributes.
It's also important to consider the insurer's pricing structure and claims process, which may include discounts for larger groups or options for co-payments and voluntary excesses to help manage premiums. Ultimately, the investment in business health insurance should be viewed through the lens of its value in promoting employee health and well-being, potentially saving on long-term costs related to absenteeism and productivity loss.
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Start A QuoteHow We Can Help
We cover businesses of all sizes from 1-249 employees to businesses with 250+ employees, so contact us today about how we can help your business provide health insurance to your employees. If your not looking for business cover, then you need to head over to our private health insurance page instead.
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Frequently Asked Questions
Get Answers to Common Queries About Health Insurance Coverage
Can business health insurance be tailored for different employee groups within the same company?
Yes, policies can be customised to offer varying levels of cover for different employee groups.
How does business health insurance handle coverage for part-time employees?
Coverage for part-time employees can be included, but it may depend on the insurer’s terms and the policy chosen. Usually a minimum of 8 hours per week and on the company PAYE will suffice.
Are there any industry-specific employee health insurance plans for businesses in the UK?
There aren’t any specific plans that cover industry by industry, however the core products from all the SME insurers are tailored around benefits to suit the business.
Can a business switch health insurance providers?
Yes of course, however this will depend on the company being able to meet the switch declaration requirements of the insurer in question. It is very common to switch providers when it comes to the annual renewal date.
How does mental health coverage in business health insurance compare to NHS mental health services?
Private coverage often provides faster access to therapy and psychiatric services than the NHS.
“Ready to secure your health and peace of mind? Contact us today to explore your insurance options!”
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