Business Health Insurance Plans

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How Business Health Insurance Can Benefit Your Business

Business health insurance is a type of insurance coverage provided by employers to their employees. It is designed to offer financial protection and access to various healthcare services, ensuring that employees receive medical care when needed.

Our team of experts will work closely with your company to identify the most suitable business health insurance tailored to your specific needs and budget. We understand that every business is unique, and our goal is to find the perfect fit that aligns with your objectives.

You need a minimum of 2 employees in the organisation to be eligible for a business plan that includes, among other things, for example:

  • 24/7 GP access
  • Nurse helpline
  • Physio sessions
  • Preventative care
  • Specialist Consultations

Comprehensive health benefits can significantly reduce sick days and absenteeism. As the number of covered individuals increases, the overall cost per person decreases, making it a win-win situation for both employers and employees.

By providing financial protection against medical expenses, this insurance allows employees to focus on their work and personal lives without the burden of worrying about healthcare costs. Fill out our quick form to get a business insurance quote and start taking steps towards a productive, positive workplace full of happy, healthy employees.

What is Business Health Insurance?

Business health insurance is offered by organisations to their employees to support them with health and wellbeing and help them keep fit and healthy for work. 

It is often considered an excellent employee benefit for staff, giving them access to healthcare plans with private GPs, physiotherapy, private nurse helplines and a health check – with the option to upgrade to private consultations, diagnosis tests and private hospital treatment, dental and optical treatment, stress support and much, much more.

Offering health benefits demonstrates genuine care for employees’ physical and mental health. Your benefits package can help your employees feel valued and healthy.

We understand that medical exams can be time-consuming and sometimes uncomfortable for employees. That’s why we connect you with health benefits packages that do not require your employees to take medicals.

A happy and healthy workforce extends beyond employees to their families. Depending on the plan or policy, it can include coverage for family members, providing them with peace of mind and access to quality healthcare.

Business Health Insurance

Apply for:

  • Business health insurance for 1,5,10,20,50 or 100 employers
  • Employee benefits and corporate health insurance
  • Startup and SME health insurance

What is included in a Business Health Insurance Plan and Policy?

We will connect you with a health care plan that best fits you needs in order to ensure that you do not waste money on unnecessary add-ons. Business health insurance is a very customisable product and can include:

  • Medical Coverage
  • Dental Coverage
  • Vision Coverage
  • Prescription Medications
  • Preventive Care
  • Hospitalisation Expenses
  • Mental Health Support
  • Chiropractic and Physiotherapy Services
  • Rehabilitation and Physical Therapy
  • Wellness Programs
  • Telemedicine Services
  • Health Screenings and Check-ups
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  • Surgical Procedures
  • Ambulance Services
  • Home Healthcare
  • Specialist Consultations
  • Emergency Medical Services
  • Maternity and Childbirth Coverage

Business Health Insurance Tax Credits and Discounts

Tax relief is available to limited companies that provide business healthcare cover, as it is classified as a business expenditure. Therefore, it would be advantageous for the business to pay for the private healthcare cover through the business bank account. For unincorporated businesses, the cost of providing healthcare cover for employees is deductible* when calculating taxable profits. This is because it is classified as a valid expense of the business and is eligible for tax relief.

*https://www.axahealth.co.uk/small-business/private-healthcare-cover-and-tax/

Is My Policy Renewed Every Year?

Each policy has different terms and conditions so you will have to look closely at how the renewal works. You could find a better deal than the previous year provided that you do not make any claims and continue to keep your teeth healthy. After a certain age the policy can get more expensive – so at this point, you might want to consider locking in an ongoing cost with your provider.

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How Do I Pay For Work Covered By My Plan?

Some people will have their medical treatment covered by company health insurance. The majority of dental insurance plans require you to pay upfront for the work that you need doing, and then you are reimbursed by your employer and insurer after 6 months. If you still have coverage through your work but dental is not covered, you can extend this through an additional policy.

What is the Eligibility Criteria?

Eligibility may vary but a good benchmark to go by is:

  • All ages cost the same – you can work out the exact price for your business in seconds. 
  • Fixed pricing – the price you see is the price you pay, there are no hidden charges or fees. 
  • No medical questions – there are no medical questions to answer and no paperwork. 
  • Minimum of 2 employees in the organisation
  • Employees must be aged 16 to 69
  • There is a simple exclusion of preexisting conditions in the three years before cover starts. 

Exceptions always apply depending on each insurance plan so get in touch even if you do not necessarily fit these criteria.

  • It’s quick and easy to apply online.

Business Health Insurance Comparison from MediCompare

At MediCompare, we are leading business health insurance broker in the UK. Working with some of the most established medical insurers in the country, we are able to help you find the best policy for you, your organisation and your colleagues. Private healthcare for small and larger companies, whether you have 2 or 999 members of staff, we can help find the best scheme for you.

To get a quote today, simply enter your details in our 5-step application form and one of our partner insurers will get in touch with your immediately either by email or phone. By answering a few simple questions about your existing policy (if you have one), your company and the number of staff, we can provide you with a competitive quote today and get you and your firm covered in no-time.

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Our dedicated team will get in touch with you on the same day and provide you with a quotation.

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