Business private medical insurance (group PMI) provides private healthcare cover for your employees as a workplace benefit. Staff get faster access to diagnosis and specialist treatment, reducing sickness absence and improving morale. We'll match you with a specialist adviser who can arrange group cover for teams of any size.
What business PMI typically covers
- Specialist consultations and referrals for all covered employees
- Diagnostic tests, MRI and CT scans
- In-patient and day-patient treatment
- Surgical procedures
- Cancer treatment and care
- Mental health support (on many modern policies)
Benefits for employers
- Reduced employee absenteeism — faster treatment means staff return to work sooner
- Enhanced recruitment and retention — PMI is highly valued by employees
- Potential tax efficiencies when structured correctly
- Demonstrated commitment to employee wellbeing
How group PMI works
A single group policy covers all enrolled employees. Premiums are typically based on the size and age profile of the group, the level of cover chosen, and the claims history of the scheme. Most insurers cover groups from a minimum of two employees upwards. Your adviser will handle the scheme design and annual renewal.
What you might need to hand
- Number of employees to be covered
- Age profile of the workforce
- Any existing group health or employee benefit schemes
- Budget guidelines and any specific benefit objectives