Healthier Teams, Better Results
With access to private medical treatment, employees can see a GP quickly, skip NHS waiting lists, and get fast referrals to specialists. This means they recover faster, return to work sooner, and are less likely to face long-term health issues that impact productivity.
Attract and Retain Talent
Today’s job seekers value employers who invest in their wellbeing. Private medical insurance is a standout benefit that helps your business stay competitive in recruitment—and encourages loyalty from existing staff. For SMEs, small business health insurance is a practical way to compete with larger organisations on employee benefits.
Reduce Absenteeism and Disruption
When employees can access healthcare quickly, they spend less time off work and more time contributing to the business. Fast diagnosis and treatment mean fewer delays and smoother operations across your team.
Financial Protection for Staff
Healthcare costs can be a source of stress for employees. Providing private health insurance eases that burden by covering a range of medical expenses—from consultations to hospital stays—so staff can focus on recovery, not the bill.
Support for Mental Health
Many group health insurance plans now include access to mental health services, such as therapy, counselling, and psychiatric support. Prioritising mental wellbeing helps reduce stress-related absences and builds a more engaged, resilient workforce.
The right plan depends on your team size, budget, and the level of support you want to offer. Here are your main options:
Comprehensive Health Insurance
Covers a wide range of services including GP access, diagnostics, specialist consultations, hospital treatment, and mental health support. Ideal for businesses that want to offer full support and boost employee wellbeing.
Standard or Mid-Tier Plans
These provide essential cover, such as diagnostics, treatment for acute conditions, and inpatient care—often at a more affordable price point.
Small Business Health Insurance
Tailored to SMEs, these plans offer quality cover at competitive rates. They can often be scaled as your business grows and may include optional extras like dental or family cover.
Key Features to Look For in Employee Health Insurance
When selecting a plan, consider:
Fast GP Access – Often with same-day virtual appointments.
Shorter Waiting Times – Quicker access to diagnosis and treatment.
Private Hospital Care – More choice and flexibility in where and when to be treated.
Mental Health Services – Support for conditions like anxiety, depression, and stress.
Chronic Condition Support – Ongoing care for employees with long-term health issues.
Family Cover Options – The ability for employees to include dependants.
Choose a Suitable Plan – Based on your team’s needs and your company’s budget.
Set Up Contributions – You can cover the full cost or share premiums with employees.
Employees Access Care – Staff can book appointments, receive treatment, and claim benefits directly with the insurer.
Claims Are Processed – Costs are handled according to the policy terms, with minimal admin for your business.
Understanding the Cost of Health Insurance
The cost of private health insurance depends on:
Number of employees
Age and health profile of your team
Level of cover (basic vs. comprehensive)
Optional extras (e.g. dental, family, mental health)
Contribution structure (employer-paid or shared)
Some insurers offer flexible payment options or discounts for group schemes. You can also explore cost-sharing models where employees contribute to the premium, helping manage expenses without sacrificing value.
While the NHS remains a vital service, waiting times and access delays can impact your business. With group private health insurance, employees get:
Faster access to GPs and consultants
Reduced waiting times for diagnostics and surgery
More choice over when and where they’re treated
Additional services not typically available through the NHS
This gives your staff peace of mind—and helps you keep operations running smoothly.
How to Choose the Right Plan
To find the best health insurance for your business:
Assess Your Team’s Needs – Consider workforce demographics, roles, and any specific health challenges.
Set a Realistic Budget – Understand what you can invest while keeping long-term value in mind.
Compare Plans and Providers – Look at benefits, exclusions, added-value services, and customer service.
Work with a Specialist – An experienced broker (like Pineapple Insurance Services!) can help tailor the right solution.
Providing health insurance to employees isn’t just good for your people—it’s good for your business. It strengthens your recruitment efforts, improves employee wellbeing, and supports long-term productivity. With the right policy in place, you’re not just offering a perk—you’re creating a culture of care and resilience.
If you’re considering health insurance for your team, Pineapple Insurance Services can help
