Full private medical insurance
Fast diagnosis and private treatment. The most complete cover for your team.
£25 to £60
per employee / month (typical)
Tailored health cover for UK businesses
Business health cover, matched in minutes.
Tell us about your business in 90 seconds and we'll match you with a health insurance specialist who will tailor a plan that fits your team.
Matched with leading UK health insurers including AXA Health. Talk to a real person about your cover.
Quick estimate
See an indicative range in seconds.
Adjust the basics. We'll show a rough monthly figure. A specialist confirms your real price on a quick call.
15
1125250+
Indicative range
Per employee, per month
£12to£24
Employee Assistance Programme£1to£2
These figures are based on typical per-employee ranges for similar UK teams, adjusted for company size. Your insurer confirms the real price after the call, taking your age profile, location and underwriting choices into account.
See my tailored estimate
Takes 90 seconds. No call until you ask for one.
Trusted by UK businesses
A panel of leading UK insurers
Introductions across recognised UK health insurers, including AXA Health.
Specialist call within one working day
A real person who handles UK business health cover every day.
No obligation, no pressure
We pass your details to one specialist, not a marketing call centre.
How it works
Three steps, no hard sell.
01
Tell us about your business
90 seconds, six quick questions.
02
A specialist from a partner insurer calls you
A real person who knows your industry. Not a chatbot.
03
You get a tailored plan
Cover designed around your team. No pressure, ever.
Did you know
Three numbers every UK employer should know.
£0bn
Cost of UK sickness absence
Estimated annual cost of poor workplace health to UK businesses, including absence and lost productivity.
Source: Industry research
0m+
People on NHS waiting lists
Recent NHS England figures show waiting lists for routine treatment at record highs, pushing more employers towards private cover.
Source: NHS England
0%
Staff value health benefits
Employees consistently rank health cover among the benefits that most influence whether they stay with an employer.
Source: UK HR studies
Tell us about your business. A specialist who knows your industry calls you back.
Get my tailored quoteWho it's for
Built for UK businesses of every shape.
Sole traders & self-employed
Personal cover structured for one-person businesses, with options that scale as you grow.
Small businesses (2 to 249)
Group schemes for SMEs. Flexible cover for the people who keep your business running.
Corporate (250+)
Group arrangements, multi-site rollouts and bespoke underwriting for larger teams.
Switching providers
Continuous-cover transfers from your current insurer with minimal disruption to your team.
Pick the right type of plan
Three ways to give your team health cover.
Not sure which fits? A specialist will help you compare them on the call. No pressure, ever.
Get a tailored PMI quote →
Health cash plan
Cashback on everyday health costs like dental, optical and physio.
£3 to £6
per employee / month
Flat-rate plans
Simple per-employee monthly price. No medical underwriting, same price for everyone.
From £15
per employee / month
Cover & services
Mix and match cover that suits your team.
Private medical treatment
Faster diagnosis and treatment at private hospitals across the UK.
Comprehensive cancer cover
Including drugs and treatments not routinely available on the NHS.
Mental health cover
From talking therapies through to inpatient care, with no referral required for many providers.
Muscles, bones and joints
Physiotherapy, osteopathy, chiropractic and acupuncture support to keep your team moving.
Private GP
24/7 online GP appointments, often within hours.
Employee Assistance Programme
Confidential support line for personal, financial and work issues.
Health cash plans
Low-cost cover for everyday health costs. Dental, optical and physio cashback for your team.
Dental cover
Group dental plans for teams, covering check-ups, routine work and major treatment.
Occupational health
Absence management, workplace assessments and flu jabs to keep your team well at work.
Preventative screening & health checks
Early detection and lifestyle assessments to catch issues before they grow.
Wellbeing rewards
Plans that reward employees for healthy behaviour with discounts and incentives.
Corporate healthcare trusts
A tax-efficient alternative for larger employers funding their own healthcare.
A quick story
Healthier teams build stronger businesses.
One short conversation with a specialist is usually all it takes to find cover that genuinely fits your team and budget.
Built for your industry
Cover that fits how your team actually works.
The risks aren't the same in every sector. Here's the one number that matters most in yours.
Construction & trades
Muscle, bone and joint support for physical work.
Musculoskeletal disorders account for ~27% of all work-related ill health in construction.
Source: HSE
Tailor cover for my sectorProfessional services
Mental health and fast GP access for desk teams.
Stress, depression or anxiety account for around half of all work-related ill health.
Source: HSE
Tailor cover for my sectorTech & startups
Benefits that help you hire and keep talent.
60% of UK tech workers say benefits influence whether they stay in a role.
Source: UK HR research
Tailor cover for my sectorHospitality
Flexible cover for shift-based teams.
Hospitality has one of the highest staff turnover rates in the UK at ~30% a year.
Source: UK Hospitality
Tailor cover for my sectorHealthcare & care providers
Cover for the people who care for everyone else.
Health & social care has the highest sickness absence rate of any UK sector (~3.6%).
Source: ONS
Tailor cover for my sectorManufacturing & logistics
Physio, occupational health and absence support.
Manufacturing loses ~17 million working days a year to ill health and injury.
Source: HSE
Tailor cover for my sectorRetail
Affordable cash plans for high-turnover teams.
UK retail sees average annual turnover of 50%+ among customer-facing staff.
Source: BRC
Tailor cover for my sectorCharities & not-for-profit
Sensible cover that respects tight budgets.
Two thirds of charities cite staff wellbeing as a top operational priority.
Source: NCVO
Tailor cover for my sector
Healthier teams, better business
Cover that looks after the people who run your business.
Why offer health cover
Good for your team. Good for your business.
Attract
Attract and keep talent
Health cover is one of the benefits employees value most.
Fewer
Fewer sick days
Faster diagnosis means less time off and a quicker return to work.
Boost
Boost productivity
Healthier teams focus better and get more done.
Care
Show your team you care
A signal that goes a long way for morale and culture.
Tell us about your business. A specialist who knows your industry calls you back.
Get my tailored quotePlain English guides
Clear answers, no jargon.
Four short reads to help you make the right call for your team. Every guide links back to the quote form when you are ready.
Guide
What is business health insurance?
How employer-paid cover works in the UK, what it includes, what it leaves out, and rough costs.
Read guide →
Guide
Business health insurance cost
Price factors, typical per-employee ranges by team size, and ways to bring premiums down.
Read guide →
Guide
Is health insurance a taxable benefit?
P11D, Class 1A National Insurance, corporation tax and a clear cash plan comparison.
Read guide →
Guide
Health insurance vs cash plan
A side by side comparison, who each suits, costs, and whether you can have both.
Read guide →
Our featured partner
AXA Health
We work with a panel of leading UK health insurers. AXA Health is our featured partner.
A real person, not a chatbot
Speak to a specialist who handles UK business health insurance every day.
Specialist health insurers
Plans from 5-star Defaqto rated insurers, focused on group cover.
Built around your team
Mix and match cover per employee group. Directors, managers, wider workforce.
Support beyond insurance
24/7 health support lines, online GP services and cancer nurses included.
Our featured partner AXA Health's plans are underwritten by AXA PPP healthcare Limited, authorised by the PRA and regulated by the FCA and the PRA. FRN 202947. Verify on the FCA register.
FAQ
Common questions from UK businesses.
How much does business health insurance cost?
Cost depends on team size, age profile, location, the level of cover, and any underwriting choices. As a rough guide, expect £25 to £60 per employee per month for comprehensive PMI, and from a few pounds for a basic cash plan. Our estimate widget above gives an indicative figure, and your insurer confirms the real price on a call.
Is this regulated?
Yes. healthforbusiness operates as an introducer. The insurers we introduce you to are authorised by the PRA and regulated by the FCA and PRA. Our featured partner AXA Health's plans are underwritten by AXA PPP healthcare Limited (FRN 202947).
What's the difference between health insurance and a cash plan?
Private medical insurance (PMI) pays for private diagnosis and treatment, including consultations, scans, surgery and in-patient care, when something goes wrong. A health cash plan pays you back a set amount for everyday health costs you'd normally pay yourself, like dental check-ups, glasses, contact lenses and physio. PMI is bigger ticket. A cash plan is little and often. Many businesses run a cash plan alongside (or instead of) full PMI, depending on budget and what their team values most.
Do you only offer full medical insurance?
No. Our panel spans full PMI, cash plans, dental, flat-rate and rewards-based plans. A specialist will help you pick the right shape of cover for your team and budget on the call.
Which insurers do you work with?
We introduce enquiries to a panel of leading UK health insurers. AXA Health is our featured partner.
Do you sell insurance?
No. We're an introducer, not an insurer or a broker. We connect UK businesses with a specialist from one of our partner insurers, who arranges the quote and the plan directly with you.
Why use you instead of going direct?
You can absolutely go direct. Using healthforbusiness means one short form gets you matched with a specialist from across our panel, who will tailor cover to your industry and team. Usually faster than going round insurers one by one.
Will someone actually call me?
Yes. A real specialist from a partner insurer will call you, usually within one working day. No chatbots and no marketing call centre.
How fast can I get cover in place?
For most SMEs, cover can be in place within a few working days of your initial call. Larger or more complex schemes may take a little longer.
Is health insurance a taxable benefit?
Yes. In the UK, employer-paid health insurance is a benefit in kind. It needs to be reported via P11D or payrolled, and Class 1A National Insurance applies. See our plain English guide above for more.
Can I cover just some employees?
Yes. Most insurers let you choose which groups are covered (for example, directors only, or all permanent staff), and you can offer different levels of cover by group.
What about pre-existing conditions?
Different insurers handle pre-existing conditions differently: moratorium, full medical underwriting, or medical history disregarded for larger schemes. Your specialist will recommend the right approach for your team.
Still have questions? Talk to a specialist.
Get my tailored quoteReady to talk to a business health specialist?
90 seconds, six quick questions. A specialist from one of our partner insurers calls you back.