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The Exeter
A survey held among 2,000 employees from the UK showed that 43% of them regard health insurance to be one of the most valuable benefits a company can provide to its workers. With the NHS currently struggling with waiting times, it’s a great way to show your employee’s how much you value them.

Of course, it’s not only workers that benefit from corporate health insurance. It has positive sides for both employers and employees. Your employees can enjoy the following:

  • Higher levels of job satisfaction, including improved health. Employees with private healthcare feel that the company not only invests in them but cares about their physical and mental wellbeing.
  • Opportunities to receive high-quality medical services without long waiting times.
  • Opportunities to choose convenient schedules for healthcare appointments and control who does the treatment and where.

At the same time, benefits to the employers include:

  • Shortening periods of worker absence (a decrease in waiting time can make sick leaves shorter)
  • Fast access to GP services on a virtual basis, meaning less time away from work.
  • The UK is currently in a very competitive job market providing Healthcare and employee benefits helps attract more potential workers.
  • Improving employee retention levels
  • Increasing staff motivation and a possible increase in productivity of work
  • Private Medical Insurance is classed as a business expense for tax purposes.

How much will corporate medical insurance cost per employee?

The cost of corporate medical insurance for your company will depend on a number of factors, including the kind of insurance you are looking for, your type of business, your location and employee demographics.

The most common factors affecting the insurance cost include:

  • Location of the business
  • Age of employees
  • Underwriting
  • Participating hospitals
  • History of claims
  • Outpatient coverage
  • Number of employees

Insurance providers usually offer discounts for large companies.

Corporate Health Insurance Providers

Being independent insurance experts, we work with all the major private health insurance providers in the UK. These include:

  • Vitality
  • Aviva
  • Axa Health
  • Bupa
  • WPA
  • Freedom Health

We also work with some smaller specialist insurers and insurers that offer other employee benefits. Each insurer has unique features, so finding one that matches your company goals depends on your current situation. That’s how we can help you: Our main task lies in making sure that you find the most suitable and economically beneficial option.

In many cases, we can negotiate with the insurer and bring you more benefits than you could have received if you tried contacting them directly such as Dental, Optical and 2nd year price guarantees.

What’s Covered?

An insurance package that many large corporate companies often opt for is Comprehensive Health Insurance. This plan combines inpatient and outpatient services. The options provided by the plan usually cover:

  • Consultations
  • Tests (e.g., MRI, X-Ray)
  • Surgeries
  • Therapies
  • Alternative therapies (e.g., acupuncture)
  • Exclusive costly medicines sometimes not available through the NHS
  • Hospital stays
  • Mental Health cover
  • Virtual GP appointments, often within 24 hours conducted on your phone, tablet or computer.

Moreover, insurance policies and private facilities often create benefits like the following:

  • Possibility to control your treatment by being able choose between specialists, consultants and hospitals.
  • Reduction in time spent waiting for treatment.
  • Private rooms with TV’s, Phone, dietary requirements and Flexibility of visiting hours
  • Ability to tailor the appointments to the personal schedule of the employee

Can My Employees Add Their Families to the Coverage?

Yes, for employees of the company wanting to offer corporate health insurance, it is possible to add their partner and/or children to their insurance plan. The company can pay from them, or the employee can choose to cover them as a salary sacrifice.

Usually, it will be free to add all children to the plan and only pay for the first one. It is possible to include children to the plan until they reach the age of 29, provided they are living with a parent who is included in the insurance.

For each scenario, you can contact us for more details.

Can You Provide Different Benefit Packages Within the Same Insurance Policy?

We can customise our private medical insurance plans according to the needs of your company. You may want to offer different levels of cover to different employee groups. If you need some unique features in the plan, don’t hesitate to get in touch with us so we can decide on the details and find the best option.

How Does HMRC Tax Corporate Health Insurance?

Health insurance is classified as a valid business trading expense.

For employees, corporate health insurance is usually considered a taxable benefit in kind, being part of the employment remuneration package. Employees will have to pay taxes on any insurance premiums they receive.

For company owners, it means that it has to be reported at the end of each tax year as a part of P11D submission for each employee.