Expert, whole-of-market advice on corporate private medical insurance. From sole traders to teams of 249 -- faster diagnosis, less absence, and a benefit that attracts and retains the best talent.
Independent, whole-of-market advice for employers. One broker for the whole scheme -- from set-up to renewal.
From sole trader to 249 employees. Schemes scale as you grow -- add members, adjust cover levels, and bolt on extras as the team evolves.
We compare Aviva, AXA Health, Bupa, Vitality, The Exeter, WPA and more -- and recommend the scheme that genuinely fits, not the one that pays us most.
Montgomery Financial is authorised and regulated by the Financial Conduct Authority. Advice that's on the record -- and that we stand behind.
Your employees are your greatest asset. When they're healthy, your business thrives. Business health insurance gives your team fast access to the medical care they need -- reducing absence, boosting morale, and helping you attract and retain the best talent. Whether you run a small business with a handful of staff or a growing company with up to 249 employees, the right business health insurance plan can make a real difference to your people and your bottom line.
Business health insurance -- sometimes called business medical insurance or corporate healthcare -- is a policy taken out by an employer to cover the cost of private medical treatment for their employees. Rather than relying solely on the NHS, your team members gain access to private healthcare, often with faster diagnosis, shorter waiting times, and a wider choice of consultants and facilities.
A business health insurance plan typically covers private GP appointments, specialist consultations, diagnostic tests, and inpatient and outpatient treatment. Depending on the levels of cover you choose, it can also include mental health support, dental cover, and more. It's a powerful business benefit that shows your team you genuinely care about their health and wellbeing.
Many business owners assume health insurance is only for large corporations. That's a myth. Insurance for small businesses is more accessible and affordable than ever, and the benefits are just as significant -- often more so.
For small businesses, every member of staff counts. A single long-term absence can have a serious impact on productivity, team morale, and revenue. By providing employees with access to private medical care, you can help them get the treatment they need quickly and get back to work sooner. Small business health insurance also levels the playing field when competing for talent against larger employers who offer comprehensive employee benefits packages.
When you buy small business health insurance, you're not just investing in your employees -- you're investing in the resilience and long-term success of your business.
NHS waiting times can be lengthy. Business health insurance gives employees access to private GP appointments, specialist referrals, and treatment often within days rather than months. Faster diagnosis means faster recovery and less time away from the office.
Today's workforce expects more than just a salary. Employee health and wellbeing is a top priority for job seekers and existing staff alike. Offering a healthcare package demonstrates that you value your people -- and that pays dividends in loyalty, engagement, and productivity.
Mental health conditions are one of the leading causes of workplace absence in the UK. A quality business health insurance policy can include mental health support, giving your employees access to counselling, therapy, and other resources when they need it most. Supporting the physical and mental health of your team creates a more resilient, happier workforce.
No two businesses are the same, and neither are their needs. You can choose from a range of cover options -- from core health insurance cover that handles the essentials, to comprehensive plans that include dental insurance, health assessments, worldwide travel insurance, and more. You can tailor the policy to suit the needs of your business and the needs of your employees.
Many business health insurance plans include access to health assessments, which help identify health risks early. These proactive checks can detect issues before they become serious, helping employees take control of their health and reducing the likelihood of long-term illness.
While cover varies by provider and plan, a typical business health insurance scheme may include:
Private GP consultations -- including private GP appointments via
phone or video.
Specialist consultations and referrals -- fast access to
consultants without a lengthy NHS referral process.
Inpatient and outpatient treatment -- covering surgery and
procedures in private hospitals with access to facilities across the UK.
Diagnostic tests -- MRI scans, blood tests, and other
investigations.
Mental health support -- counselling, cognitive behavioural
therapy (CBT), and mental health cover.
Dental and optical -- depending on the level of plan selected.
Health cash plan -- reimbursing employees for routine healthcare
costs such as dental check-ups, optical appointments, and physiotherapy.
Personal health fund -- some plans include a personal health
fund, giving employees flexibility to spend on the health support that matters
most to them.
Always check the terms and conditions of any policy to understand exactly what is and isn't covered.
Business health insurance is designed for employers who want to offer private medical insurance as part of their employee benefits package. It's available to business groups of almost any size -- from sole traders with one or two members of staff, right up to companies with 1--249 employees.
When setting up a policy, you decide which employees you want to cover. Some employers choose to cover all staff, while others cover specific roles or seniority levels. You can also extend cover to employees and their family members on some plans, making your healthcare package even more attractive as a recruitment and retention tool.
As an employer, providing health insurance can also be a tax-efficient business benefit, though it's worth speaking to an accountant about how national insurance contributions apply to employee benefits.
The cost of a corporate health insurance scheme depends on the number of employees covered, their ages, the level of cover chosen, any optional add-ons, and the claims experience of the group. Every premium is entirely subject to your circumstances -- so the only way to know what your scheme will actually cost is to get tailored quotes. The figures on insurer websites are illustrative only and not a quote.
Put simply -- what we do is shop around to save you money. Even if you already have a scheme in place and have been sent a renewal quote, we will often go back to your existing insurer and negotiate that number down further, while making sure the cover itself still stacks up for the team. The goal is always the same: the best cover at the best price, every year.
With so many health insurance options on the market, it's important to choose a plan that genuinely meets the health and wellbeing needs of your team. Consider:
The number of employees you want to cover.
The health concerns most relevant to your workforce.
Whether you want to include mental health cover, dental, or
health assessments.
Your budget and the levels of cover available at that price
point.
The reputation and network of the private medical insurer.
The right choice for your business will balance comprehensive cover with value for money. Look for a provider with a strong track record of supporting small business health insurance customers, a wide network of specialists, and a straightforward claims process.
Any firm offering insurance advice in the UK must be authorised and regulated by the Financial Conduct Authority. Being FCA-regulated means the firm meets strict standards on how it handles your personal information, earns commission, and treats you as a customer.
If something goes wrong, regulated customers also qualify for the Financial Ombudsman Service -- an important layer of protection that unregulated advice simply cannot offer. Montgomery Financial is authorised and regulated by the Financial Conduct Authority.
Providing health insurance is one of the most meaningful things you can do as an employer. It tells your team that you take the wellbeing of your employees seriously -- and that commitment doesn't go unnoticed.
Whether you're exploring business health insurance for the first time or reviewing your existing business healthcare cover, now is the perfect time to find a plan that works for your business and your people. Call us on 01933 829 444 or book a callback online and support your employees with the health insurance cover they deserve.
We compare cover from Aviva, AXA Health, Bupa, Vitality, The Exeter, WPA and more -- and recommend the scheme that fits your team, not the one that pays us most.
Charles set up a scheme for our 14-strong team that was genuinely tailored -- not a copy-paste package. He compared every major insurer, explained the trade-offs clearly, and got us better cover at a lower price than our renewal quote. The team feel looked after, and that shows up in the work.
Book a free 20-minute call with Charles. We'll map out your options, give you real numbers for your scheme, and you can take it from there -- or not.
Charles Breen is a Registered Individual of BrokerSync Ltd, which is authorised and regulated by the Financial Conduct Authority (1031981). BrokerSync Ltd is registered in England and Wales (16318056).
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