Group Health Insurance
Private medical cover for your employees and their families – one of the most valued employee benefits.
Group health insurance covers the cost of treatment at private hospitals for your employees and, if you wish, their families. Compared with individual policies it offers lower premiums and more flexible acceptance terms. We analyse your workforce profile, budget and preferred hospital network, then collect quotes from several insurers. During the policy year we also manage joiners and leavers and follow up on claims.
Who is it for?
- Companies of any size that want to strengthen employee retention
- Employers who find their renewal premium too high
- Companies that need different plans for different staff levels
What does it cover?
- In-patient and out-patient treatment
- Maternity, check-up and dental packages (depending on the plan)
- Cover for spouses and children
- Tiered plans (management / staff)
- Mid-term joiner and leaver administration
Scope and exclusions vary by insurer and programme. With every quote we summarise the policy wording in plain language.
What drives the price?
- Number of employees and age profile
- Loss ratio of the previous period
- Hospital network and limits
- Whether family members are included
Frequently asked questions
From how many people can a group policy be arranged?
It varies by insurer, but group products are available for small teams too. Share your headcount and we will set out the options.
Why does the premium increase at renewal?
Medical inflation and your group’s loss ratio drive the renewal. We analyse your claims reports and re-market the programme and the insurer.
Are pre-existing conditions covered?
Above a certain group size, pre-existing conditions are assessed far more flexibly than under individual policies.