Help protect your workforce with private medical cover for employees and staff across the UK
Employee health insurance is one of the most valuable benefits a business can offer. It helps employees access private healthcare more quickly for eligible conditions, while supporting wellbeing, retention and productivity.
Whether you employ a small team or manage a growing workforce, offering health insurance for employees can help your business stand out while giving staff faster access to private treatment, diagnostics and specialist care.
At Business Health Plans, we help businesses compare employee health insurance quotes from trusted UK insurers, helping you find suitable cover for your workforce and budget.
Employee health insurance is a form of private medical insurance provided by an employer for staff members. It is designed to give employees access to eligible private healthcare services without relying solely on NHS waiting times.
Depending on the policy selected, cover may include:
Private consultations and specialist referrals
Diagnostic tests and scans
Private hospital treatment
Surgery and inpatient care
Outpatient treatment
Mental health support
Physiotherapy and rehabilitation
Cancer treatment
Providing health insurance for employees can deliver real value to both staff and employers. It is not just a workplace perk — it can be a practical investment in employee wellbeing and business continuity.
Benefits may include:
Improved staff morale and wellbeing
Better employee retention
Stronger recruitment appeal
Reduced disruption caused by illness
Faster access to treatment and recovery support
A more attractive employee benefits package
For many employers, employee private medical insurance is now seen as an increasingly important part of supporting staff in a competitive job market.
The exact cover will depend on the insurer and policy chosen, but many employee health insurance policies are designed to provide faster access to eligible private treatment and care.
Typical areas of cover may include:
Private Diagnostics
Policies may include scans and tests to help diagnose eligible conditions more quickly.
Specialist Referrals
Employees may be able to access consultants and specialists privately after referral.
Hospital Treatment
Many policies cover inpatient and day-patient treatment in private hospitals.
Outpatient Appointments
Some policies include outpatient consultations and treatment, either fully or up to a set limit.
Mental Health & Wellbeing
Many employee health insurance policies now include mental health support, counselling or wellbeing services.
Like most private medical insurance, employee health insurance does not usually cover every medical situation.
Common exclusions often include:
Pre-existing conditions
Emergency care typically handled by the NHS
Chronic long-term illnesses
Cosmetic procedures
Routine pregnancy-related care
Always check the policy wording carefully to understand what is and is not included.
The cost of employee health insurance can vary depending on the size of your workforce, the ages of employees and the level of cover selected.
Pricing may be affected by:
The number of employees covered
Their age profile
The level of inpatient and outpatient cover
The excess chosen
Hospital list options
Any additional benefits included
Comparing quotes can help you find a policy that offers the right balance of value and employee support.
If you are looking for employee health insurance, comparing policies is one of the best ways to find suitable cover for your team.
At Business Health Plans, we help UK employers compare health insurance for employees from trusted providers, helping you explore suitable options with confidence.
Get started today to find cover that suits your employees and your budget. Use our simple quote form to compare employee health insurance quotes and see what cover may be available to you. It only takes a short time to get started, and there’s no obligation to proceed.
Private healthcare tailored to your employees
Our team of UK experts can help you save money on your Employee Health Insurance policy by comparing plans from multiple providers
