Group Health Insurance

As an employer, you know benefits such as group health insurance can attract the best and brightest staff to your company.

The problem with providing health insurance for your workforce is the cost. Health care costs are rising all for everyone — for physicians, insurance companies, and consumers. But that doesn't mean there aren't any affordable options available. It's actually easier to find affordable group medical insurance coverage than you might think.

Business health insurance can be tailored to suit your business needs.

Whatever the size of your business, as independent health insurance intermediaries we offer a range of business medical insurance plans and healthcare solutions to suit the needs and budget of your business. Our comprehensive private medical insurance and cash plans are available on both a company-paid and voluntary employee paid basis, so we can help you find the right balance of cover that’s right for your business. small business medical insurance cover is normally available to companies from 2-49 employees and corporate medical insurance cover is from 50 employess and above. To compare medical insurance go to our quotes page.

Small Business Health Insurance UK

How can business medical insurance companies reduce the premiums on small business health insurance?

Six Week option

The six week rule plans only provide benefit for in-patient treatment, day-patient treatment and out-patient surgical procedures, if the NHS cannot provide that treatment within six weeks from the date on which the treatment should be undertaken. This applies to each separate admission or surgical procedure either and an in-patient, day-patient or out-patient.

This means that conditions for which urgent or emergency treatment is needed are not covered by the policy. If the customer has a serious or life threatening condition which needs urgent treatment the NHS will treat that condition within six weeks. The policy therefore will not cover it because of its urgent or emergency nature.

NCD option

With this option members are entitled to a no claims discount provided they don't make a claim. There are eight levels from 0% to 50%. When the member joins we will tell them the initial discount level to which they are entitled. If they need to make a claim, they have the option of paying for the treatment, and keeping their no claims discount. If a person covered by the policy chooses the make a claim, the level of discount for that person drops. But it will go up again if that person doesn't make a claim for the following year. In any year when a person covered by the policy makes one or more claims, the no claims discount for that person drops by three levels until the minimum is reach. In any year where the person not make a claim, the discount increases by one level until the maximum is reach.

Excess options

Your employees can choose to pay an excess on policies which varies from £100 to £500 of eligible claims, once each year, for each member covered by the policy. Once the excess has been paid in full, we pay for any further eligible fees for that year. The excess does not apply to NHS cash benefits or the overseas evacuation and repatriation service.

Some of the main health insurance companies we advise on are listed below:

• AXA PPP Healthcare
• Aviva (formerly Norwich Union)
• BUPA
• Prudential Health Insurance
• Standard Life Healthcare

This list is not an exhaustive list of health insurance uk providers, for a full list please call us

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