--- title: Employee Health Insurance for UK Businesses description: Compare employee health insurance with Morehealth. Independent, FCA regulated advice on private medical cover for your staff from leading UK insurers. --- - [0800 028 5540](tel:08000285540) - [info@more-health.co.uk](mailto:info@more-health.co.uk) [![logo-morehealth-1](https://www.more-health.co.uk/hs-fs/hubfs/Images/logo-morehealth-1.webp?width=222&height=70&name=logo-morehealth-1.webp "logo-morehealth-1")](https://www.more-health.co.uk/) [![logo-morehealth-1](https://www.more-health.co.uk/hs-fs/hubfs/Images/logo-morehealth-1.webp?width=159&height=50&name=logo-morehealth-1.webp "logo-morehealth-1")](https://www.more-health.co.uk/) - [Home](https://www.more-health.co.uk) - Health Insurance - [Individual Health Insurance](https://www.more-health.co.uk/individual-health-insurance) - [New Policy](https://www.more-health.co.uk/new-private-health-insurance) - [Review or Switch Policy](https://www.more-health.co.uk/review-or-switch-existing-policy) - [Business Health Insurance](https://www.more-health.co.uk/business-health-insurance) - [Health Insurance Providers](https://www.more-health.co.uk/health-insurance-providers) - [About Us](https://www.more-health.co.uk/about) - Advice - [NHS Waiting Times](https://www.more-health.co.uk/nhs-waiting-times) - [Health Insurance Options](https://www.more-health.co.uk/health-insurance-product-options) - [Cancer Cover](https://www.more-health.co.uk/cancer-cover-compared) - [Underwriting](https://www.more-health.co.uk/health-insurance-underwriting) - [Chronic Conditions](https://www.more-health.co.uk/chronic-conditions-explained) - [Health Insurance Costs](https://www.more-health.co.uk/how-much-does-private-medical-insurance-cost) - Resources - [Find Private Hospitals](https://www.more-health.co.uk/find-a-hospital-near-me) - [Health Insurance Guides](https://www.more-health.co.uk/health-insurance-guides) - [Health Insurance FAQ's](https://www.more-health.co.uk/health-insurance-faqs) - [Blog](https://www.more-health.co.uk/blog) - [Glossary](https://www.more-health.co.uk/glossary) [Contact Us](https://www.more-health.co.uk/contact-us) [Request A Quote](https://www.more-health.co.uk/get-a-quote) [Contact Us](https://www.more-health.co.uk/contact-us) [Request A Quote](https://www.more-health.co.uk/get-a-quote) More results - [Home](https://www.more-health.co.uk) - Health Insurance - [Individual Health Insurance](https://www.more-health.co.uk/individual-health-insurance) - [New Policy](https://www.more-health.co.uk/new-private-health-insurance) - [Review or Switch Policy](https://www.more-health.co.uk/review-or-switch-existing-policy) - [Business Health Insurance](https://www.more-health.co.uk/business-health-insurance) - [Health Insurance Providers](https://www.more-health.co.uk/health-insurance-providers) - [About Us](https://www.more-health.co.uk/about) - Advice - [NHS Waiting Times](https://www.more-health.co.uk/nhs-waiting-times) - [Health Insurance Options](https://www.more-health.co.uk/health-insurance-product-options) - [Cancer Cover](https://www.more-health.co.uk/cancer-cover-compared) - [Underwriting](https://www.more-health.co.uk/health-insurance-underwriting) - [Chronic Conditions](https://www.more-health.co.uk/chronic-conditions-explained) - [Health Insurance Costs](https://www.more-health.co.uk/how-much-does-private-medical-insurance-cost) - Resources - [Find Private Hospitals](https://www.more-health.co.uk/find-a-hospital-near-me) - [Health Insurance Guides](https://www.more-health.co.uk/health-insurance-guides) - [Health Insurance FAQ's](https://www.more-health.co.uk/health-insurance-faqs) - [Blog](https://www.more-health.co.uk/blog) - [Glossary](https://www.more-health.co.uk/glossary) - [0800 028 5540](tel:08000285540) - [info@more-health.co.uk](mailto:info@more-health.co.uk) [Contact Us](https://www.more-health.co.uk/contact-us)[Request A Quote](https://www.more-health.co.uk/get-a-quote) # **Employee health insurance** Your people keep your business running, so it makes sense to help them get back to health quickly when they need treatment. Employee health insurance gives your staff a potentially quicker route to specialist consultations, scans and treatment, while they remain fully entitled to NHS care. Morehealth is an independent, FCA regulated health insurance broker. We compare employee health insurance from leading UK insurers and explain the options clearly, so you can choose a scheme that suits your team and your budget without unnecessary complexity. Our advice is free. We are paid a commission by the insurer you choose, and this is not added to your premium. [Request a quote](https://www.more-health.co.uk/get-a-quote) ![Health Insurance Document With Text](https://www.more-health.co.uk/hs-fs/hubfs/AI-Generated%20Media/Images/Health%20Insurance%20Document%20With%20Text.png?width=1727&height=911&name=Health%20Insurance%20Document%20With%20Text.png) - ### FCA Regulated - ### Independent Broker - ### 15+ Years Experience - ### UK-Based Advisers - ### FCA Regulated - ### Independent Broker - ### 15+ Years Experience - ### UK-Based Advisers ![Well Designed Scheme Supporting Team Wellbeing](https://www.more-health.co.uk/hs-fs/hubfs/AI-Generated%20Media/Images/Well%20Designed%20Scheme%20Supporting%20Team%20Wellbeing.png?width=1536&height=1024&name=Well%20Designed%20Scheme%20Supporting%20Team%20Wellbeing.png) ## **Why businesses offer employee health insurance** A well designed scheme can support recruitment, improve morale and reassure your team that help is available if they become unwell. Businesses often introduce cover to: - Support Employee Wellbeing And Confidence - Reduce Absence By Speeding Up Consultations And Tests - Offer A Valued Benefit Within A Wider Package - Give Senior Staff Faster Access To Treatment - Create Fairness With Structured Levels Of Cover ## Cover designed around your team Every business is different, so your scheme can be shaped around your structure and budget. You might offer a single level of cover for everyone, tiered cover for different groups such as managers or directors, or director only cover to begin with. Adjustable excess levels and optional benefits, such as enhanced outpatient cover or mental health support, help you balance cost and value. The differences between insurers often sit in the detail, including hospital networks, outpatient limits and how each handles[cancer cover](https://www.more-health.co.uk/cancer-cover-compared). We compare these points carefully and explain what they mean for your employees. ## How we help We start by understanding your business, including employee numbers, locations, budget and the type of cover you want to provide. We then compare[leading UK health insurance providers](https://www.more-health.co.uk/health-insurance-providers), including Bupa, AXA, Aviva, Vitality, WPA, The Exeter and National Friendly, and present a clear recommendation with alternatives where appropriate. Once you decide, we guide you through onboarding, paperwork and employee communications. Where needed, we also help with scheme rules, joining windows and adding family members. As your company grows, we help you adjust eligibility or introduce new levels of cover, and we review your scheme with you at every renewal. ## Already have a scheme? If your business already provides health insurance, our free health insurance check compares your renewal with the wider market. If another insurer offers better value or benefits, we explain the options and how your employees' underwriting may be protected. If staying with your current insurer is the best option, we support the renewal process. Request a[free health insurance check](https://www.more-health.co.uk/free-financial-health-check). ## **Why choose Morehealth** - FCA Regulated (FCA Number 815733) - Independent Broker Comparing Leading UK Insurers - More Than 15 Years Of Experience - UK Based Advisers - Member Of The Association Of Medical Insurance Intermediaries (AMII) - Support From Setup To Annual Renewal Speak to a friendly adviser on 0800 028 5540, message us on WhatsApp or[contact us](https://www.more-health.co.uk/contact-us) online. There is no pressure to proceed. ## We Compare Leading UK Providers  We work with all major health insurance providers to find your perfect match  ![10 (1)](https://www.more-health.co.uk/hs-fs/hubfs/10%20(1).webp?width=120&height=75&name=10%20(1).webp) ![Vitality](https://www.more-health.co.uk/hs-fs/hubfs/9%20(1).webp?width=120&height=75&name=9%20(1).webp) ![Aviva](https://www.more-health.co.uk/hs-fs/hubfs/8%20(1).webp?width=120&height=75&name=8%20(1).webp) ![The Exeter](https://www.more-health.co.uk/hs-fs/hubfs/13.webp?width=120&height=75&name=13.webp) ![WPA](https://www.more-health.co.uk/hs-fs/hubfs/12%20(1).webp?width=120&height=75&name=12%20(1).webp) ![National Friendly](https://www.more-health.co.uk/hs-fs/hubfs/14.webp?width=120&height=75&name=14.webp) ![AXA](https://www.more-health.co.uk/hs-fs/hubfs/11%20(1).webp?width=120&height=75&name=11%20(1).webp) Stop paying too much for health insurance ## Check If You Could Save Already have health insurance? We’ll review your current policy and help you understand whether it’s still right for you. **Request a Free Health Insurance Check** ## Frequently Asked Questions   What is employee health insurance? Employee health insurance is private medical insurance that a business arranges for its staff. It covers the cost of eligible private consultations, diagnostic tests and treatment for acute conditions that begin after cover starts, while employees remain fully entitled to NHS care for everything else. It is also known as group, company or business health insurance. Typical cover includes specialist consultations, diagnostic tests such as MRI and CT scans, inpatient and day patient treatment, and cancer treatment in private facilities within the insurer's hospital network. Outpatient limits and mental health cover vary between insurers and policies. The NHS continues to provide emergency care, routine pregnancy care and the ongoing management of long term conditions. Our guide to[chronic conditions](https://www.more-health.co.uk/chronic-conditions-explained) explains how insurers treat these. How much does employee health insurance cost? There is no standard price. The cost depends on how many employees you cover, their ages, where they live, the hospital list, the level of outpatient and other cover, the excess and the underwriting you choose. The only way to know your price is to get quotes based on your own team. To provide quotes, insurers usually need basic details for each person covered, such as their name, date of birth and postcode. Prices can vary noticeably between insurers for similar cover, which is why comparing the market matters. You can manage the cost by choosing a higher excess, a more focused hospital list, tiered cover or different outpatient limits. Read more in our guide to[how much an employee medical insurance policy costs](https://www.more-health.co.uk/blog/employee-medical-insurance-policy-cost). Is employee health insurance a taxable benefit? Usually, yes. When a business pays for employee health insurance, the premium is normally an allowable business expense, but HMRC treats the cover as a benefit in kind. The employer reports it on a P11D and pays Class 1A National Insurance, and each employee pays income tax on its value. HMRC guidance on GOV.UK lists some exemptions. These include insurance or treatment for injuries or diseases caused by an employee's work, 1 periodic medical check or health screening a year, and up to £500 of treatment to help an employee return to work after being unfit or absent for at least 28 consecutive days. Cover provided through a salary sacrifice arrangement must still be reported. Tax rules can change, so we always recommend checking your position with your accountant. You can read the guidance on[medical insurance and tax for employers](https://www.gov.uk/expenses-and-benefits-medical-treatment). Is there a minimum number of employees for employee health insurance? It depends on the insurer. Most insurers need at least 2 employees to set up a business policy, although some offer business plans that can be arranged for a single member. Many small business schemes then cover businesses up to 249 employees before larger corporate terms apply. For example, Bupa's small business cover is for 2 to 249 employees, with corporate cover from 250, while AXA and Vitality offer small business plans from 1 employee up to 249. You do not have to cover every employee. Many businesses start with directors or senior staff and extend eligibility as they grow. Find out more about[business health insurance](https://www.more-health.co.uk/business-health-insurance) and the options available for smaller teams. How does underwriting work for employee health insurance? Smaller schemes usually use moratorium or full medical underwriting, which can exclude recent pre-existing conditions. Larger schemes may qualify for medical history disregarded terms, where employees join without exclusions for previous conditions. If you already have a scheme, existing terms can often be carried across when you switch insurer. On a moratorium basis, conditions an employee has had symptoms, advice or treatment for in the 5 years before joining are not covered for the first 2 years. With full medical underwriting, each employee's history is reviewed upfront and exclusions are confirmed at the start. Medical history disregarded usually requires around 20 or more insured employees, although each insurer sets its own criteria, and it is the most costly underwriting option. Our guide to[health insurance underwriting](https://www.more-health.co.uk/health-insurance-underwriting) explains each option in detail. Can employees add family members to employee health insurance? Often, yes. Many schemes allow employees to add a partner or children, usually at their own cost, depending on the insurer and the scheme rules. Some employers choose to pay for family cover as well, which increases the taxable benefit for the employees concerned. We help you decide how family cover should work within your scheme, including who can be added and when. Clear rules and joining windows help keep the scheme fair and simple to run. Insurers price family cover in different ways, so the best insurer for your employees alone may not be the best once families are included. Read more in our guide to[what family health insurance covers](https://www.more-health.co.uk/blog/what-is-family-health-insurance). What happens to employee health insurance when someone leaves? Cover usually ends when an employee leaves the scheme, but they do not necessarily have to start again. Where they were covered on a medical history disregarded basis, insurers can accept this underwriting when they move to an individual policy, subject to their criteria, which can protect cover for existing conditions. If the scheme used other underwriting, continued personal medical exclusions or a continued moratorium may let the employee keep their current position on a personal policy. In some cases carrying over the previous underwriting is not necessary, and a different option could reduce their premium. Timing matters, so it helps to arrange the new policy before scheme cover ends. We can help leaving or retiring employees arrange a[new private health insurance policy](https://www.more-health.co.uk/new-private-health-insurance) of their own. What is the difference between employee health insurance and a health cash plan? Employee health insurance pays for private diagnosis and treatment of eligible acute conditions, such as consultations, scans and surgery. A health cash plan works differently: it gives employees money back towards everyday healthcare costs, such as dental check-ups, eye tests and physiotherapy, up to set limits. Cash plans can be a lower cost way to support everyday health, but they are not designed to fund major private treatment. Health insurance covers those larger costs when they arise. Some employers use both, or offer health insurance to some staff and a cash plan more widely. Some health insurance policies also offer optional dental and optical benefits. Our guide to[health insurance options](https://www.more-health.co.uk/health-insurance-product-options) explains the main choices you can add or adjust. Why use Morehealth to arrange employee health insurance? Because we handle the comparison and the detail for you. As an independent broker, Morehealth compares leading UK insurers, recommends a scheme that suits your team and budget, then helps with setup, employee communications and annual renewal reviews. Our advice is free, and our commission is not added to your premium. As a small, UK based team, we offer a personal service. You deal with an adviser who understands your business and stays with you as the scheme grows, from adding employees to reviewing cover at renewal. We are authorised and regulated by the Financial Conduct Authority (FCA number 815733). You can call us on 0800 028 5540 or message us on WhatsApp. Our advisers are available Monday to Thursday, 9am to 6:30pm, and Friday, 9am to 5pm. Find out more[about Morehealth](https://www.more-health.co.uk/about). #### [![logo-morehealth-1](https://www.more-health.co.uk/hs-fs/hubfs/logo-morehealth-1.png?width=444&height=140&name=logo-morehealth-1.png)](https://www.more-health.co.uk/) Independent health insurance advisers helping you find the right cover with expert guidance. 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