Group Private Medical Insurance

Helping businesses boost employee wellbeing, reduce absenteeism, and attract top talent through premium healthcare access.

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What is

group private medical insurance?

Group Private Medical Insurance (PMI), often called Business Health Insurance, is a corporate policy that gives your employees access to high-quality private healthcare.

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It is designed to work alongside the NHS, allowing your team to bypass long waiting lists for specialist consultations, diagnostic scans, and eligible treatments for acute medical conditions.

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For a business, it is a premier benefit that helps keep your workforce healthy, productive, and feeling valued.

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Why might you need group private medical insurance?

Your employees are your most valuable asset, and their health is fundamental to your business's success.

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Long NHS waiting times can lead to prolonged sickness absence, reduced productivity, and increased stress for your team.

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By providing Group PMI, you are making a direct investment in their wellbeing. It helps you reduce the impact of absenteeism, ensures key staff get treated faster, and is a powerful tool for attracting and retaining the best talent in a competitive market.

How does Group Private Medical Insurance work in the UK?

A business sets up a policy to cover a group of employees. When an employee develops a new, eligible medical condition, they get a referral from their GP.

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The insurer then authorises and covers the costs for them to be diagnosed and treated privately. The level of cover and how pre-existing conditions are treated depends on the options you choose.

In the UK, policies are tailored with different underwriting and cover levels to fit your company's needs:

Types of Underwriting

This determines how the insurer assesses pre-existing conditions for your team.

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Moratorium (Mori): The most common option for smaller businesses. It automatically excludes treatment for conditions an employee has had in the 5 years before joining.

Medical History Disregarded (MHD): Available to larger groups. This is the most comprehensive option as it covers eligible pre-existing conditions, offering seamless cover for all staff.

Full Medical Underwriting (FMU): Requires employees to complete a full health questionnaire. It can result in lower premiums but involves more administration.

Levels of Cover

You can build a plan that suits your budget, from essential cover to a fully comprehensive package.

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Core Cover: Typically covers the costs of in-patient and day-patient treatment, including hospital fees, surgery, and specialist consultations while in hospital.

Enhanced Cover: Adds out-patient cover for diagnostic tests, scans, and specialist consultations before hospital admission.

Comprehensive Cover: Can be extended to include therapies, mental health support, and even routine dental and optical care.

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👉 At Health Cheque, we simplify these choices, helping you find the optimal level of cover and underwriting for your business.

Benefits of

Group Private Medical Insurance

Offering private healthcare as part of your employee benefits package helps keep your workforce healthy, supported, and motivated. It’s a cost-effective way to show you value your team while reducing sickness-related downtime.

Reduce Sickness Absence

Faster access to diagnosis and treatment means your employees can get back to work sooner, minimising downtime and boosting overall business productivity.

Attract & Retain Top Talent

A comprehensive benefits package makes you a more attractive employer. Group PMI is a highly valued perk that can improve staff loyalty and retention.

A High-Value, Tax-Efficient Perk

Premiums are typically an allowable business expense, making Group PMI a tax-efficient way to provide a high-value benefit that your team will appreciate.

Access to Mental Health Support

Many modern Group PMI policies include comprehensive support for mental health, helping you support your team's wellbeing and reduce stress-related absence.

Boosts Team Morale & Loyalty

Providing health cover shows a genuine commitment to your employees' wellbeing. This fosters a positive company culture and boosts morale and loyalty.

Faster Treatment for Key Staff

Ensure your key personnel can bypass NHS waiting lists for essential treatments, safeguarding your business against prolonged absence of vital team members.

What does

Group Private Medical Insurance

cover?

Invest in your team's health—and your company's future.

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Group PMI is designed to cover the costs of private treatment for acute conditions—illnesses or injuries that are short-term and likely to respond quickly to treatment. This is distinct from chronic conditions, which are managed long-term.

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A typical policy will provide cover for:

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Private hospital rooms and nursing care.

Fees for surgeons, anaesthetists, and specialists.

Advanced diagnostic scans like MRI, CT, and PET scans.

Out-patient consultations and diagnostic tests (if included).

Comprehensive cancer cover, including access to specialist drugs and therapies.

Comprehensive Mental Health Support

Modern business health insurance recognises that mental health is as important as physical health. Many policies now offer extensive support that goes far beyond basic counselling.

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This provides your employees with a confidential and accessible pathway to professional help, supporting their overall wellbeing and resilience.

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Mental health benefits can include:

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Access to private psychiatrists, psychologists, and therapists.

Cover for in-patient and day-patient psychiatric treatment.

Support for a wide range of conditions, including stress, anxiety, and depression.

Access to digital mental wellbeing platforms and apps.

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Compare the UK's leading insurance providers and get free advice from our expert team

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What isn't covered by

Group Private Medical Insurance

?

Understand the limitations to provide clarity for your team.

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Private medical insurance is designed to complement the services of the NHS, not replace them entirely. There are certain conditions and treatments that are typically excluded from cover.

Common Group PMI Exclusions:

Chronic Conditions - Long-term conditions that require ongoing management rather than a cure (e.g., diabetes, asthma) are not covered.

Pre-existing Conditions - Unless you have Medical History Disregarded underwriting, conditions an employee suffered from before joining the policy will be excluded.

Emergency Services - Private hospitals are not equipped for A&E services, which remain the responsibility of the NHS.

Routine Pregnancy & Childbirth - Normal pregnancy and birth are not covered, although complications may be eligible for cover.

Elective Cosmetic Surgery - Any treatment that is not medically necessary is excluded.

In 2024, UK health insurers paid out over £7 billion in claims, supporting millions of people. It's vital for employers to understand their policy's terms and communicate them clearly to staff so everyone knows what is and isn't covered.

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Need clarity on a specific condition or situation? Speak to our team for expert, impartial guidance.

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Looking for

Group Private Medical Insurance

cover here in the UK?

Group Private Medical Insurance is the premium employee benefit for businesses that want to invest in the health and productivity of their team. At Health Cheque, we provide independent advice on business health insurance, helping companies navigate the market to find the best policy for their needs.

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Whether your business is in London, Manchester, Birmingham, Leeds, or anywhere nationwide, our expert advisers simplify the complex choices around cover levels, underwriting, and excess options, ensuring you get the right protection at the right price.

Why businesses choose Health Cheque for group private medical insurance

Independent advice — we search the whole market to find the best cover

Over 28 years’ experience supporting UK businesses and their teams

Expert advice on underwriting — we recommend the right option for your business size

Market-leading cancer cover — we compare policies to ensure the best cancer care

Simple, clear explanations — no jargon, just straightforward advice

Ongoing support — dedicated support for you, your HR team, and your employees

Get in touch with us or Book a consultation to compare policies

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A professional portrait of the director of a private medical insurance brokerage, dressed in a business suit, standing in a modern office setting with a confident and approachable expression.

Helping you navigate private medical insurance with clarity and care

Health Cheque takes the complexity out of private medical insurance. With decades of experience, we help individuals and businesses find policies that fit their health needs and lifestyle. Whether you’re new to PMI or reviewing existing cover, our advice is transparent, reliable, and always in your best interest.

Robert Beaton

Senior Account Manager