Company Health Insurance
Corporate or company health insurance helps medium and large organisations protect employee wellbeing, boost productivity, and strengthen company-wide benefits packages.
With a comprehensive policy in place, your workforce gains fast access to private healthcare, reduced waiting times, and the support they need to stay healthy and engaged, while your business benefits from fewer absences and a more resilient team.
Private health insurance for your employees
Corporate schemes often require more complex planning than small business policies. That’s why our advisors take a strategic approach, helping you design benefit structures, manage costs across larger teams, and ensure your policy works smoothly alongside your HR and wellbeing initiatives.
At Clarity Health, we specialise in helping UK companies build scalable, cost-effective corporate health insurance schemes. Whether you’re covering dozens of employees or thousands, we work with the UK’s leading insurers—including Bupa, AXA Health, Aviva, Vitality and WPA, to tailor a plan that fits your organisation’s structure, budget, and long-term goals.
What is company health insurance?
Larger organisations face unique challenges: diverse employee needs, rising demand for wellbeing support, and the pressure to attract and retain top talent. Corporate health insurance gives your workforce access to:
- Fast-track treatment and diagnostics to minimise downtime
- Specialist care and mental health support for a healthier workforce
- Comprehensive benefits packages that strengthen recruitment and retention
- Flexible cover levels to align with different departments or employee tiers
Start your quote
What is the difference between corporate and small business health insurance?
The 250-employee threshold isn’t a strict rule, but it’s a useful guide. Most insurers class businesses with fewer than 250 employees as SMEs, offering them small business health insurance. Once your workforce grows beyond that point, you’ll typically move into the corporate category, where cover can be tailored more extensively.
Every company is unique and will therefore have varying health insurance needs — for example, a small business may not benefit from the same plan as a large corporation. This is why it’s so important to thoroughly compare policies before committing to one. Clarity Health Insurance offers both company health insurance and small business health insurance. Your customer adviser will be able to direct you to which type of policy best fits your individual business.
We examine all plans available to companies here in the UK, and advise you on how different providers would benefit your company. With our knowledge and experience, you can be confident that your organisation is getting the best private health insurance for your budget.
What does company health insurance cover?
Corporate health insurance provides employees with fast access to private medical care, helping businesses reduce absence, support wellbeing, and keep their workforce healthy and productive. Although exact benefits vary by provider and policy level, most corporate schemes include the following core areas:
Private hospital treatment
- Covers inpatient and day-patient procedures such as surgery, scans, and specialist treatments, carried out in private hospitals or private wings of NHS facilities.
Diagnostic tests and consultations
- Employees can access specialists quickly with cover for:
- MRI, CT and X-rays
- Blood tests
- Consultant appointments
- Follow-up consultations
Cancer diagnosis and treatment
Most corporate plans include extensive cancer cover, often with:
- Prompt referrals to oncologists
- Chemotherapy, radiotherapy, and surgery
- Ongoing monitoring and support
- Access to the latest approved drugs and therapies
Mental health support
Increasingly essential for large organisations, mental health cover often includes:
- Talking therapies (e.g., CBT)
- Psychiatric consultations
- Inpatient mental health treatment (depending on the plan)
Outpatient treatment
This can include physiotherapy, specialist therapies, and additional consultations. Corporate schemes often offer higher outpatient limits than small business plans.
Therapies and rehabilitation
Policies may include:
- Physiotherapy
- Osteopathy
- Chiropractic treatment
- Acupuncture or complementary therapies (depending on provider)
Virtual GP and digital health services
Most modern corporate plans include 24/7 digital GP access and online health assessments for fast medical advice
Additional wellbeing benefits
Depending on your insurer, employees may also receive:
- Health assessments
- Fitness rewards and wellbeing incentives
- Nutritional support
- Preventative screenings
“Robert Brown, our immediate contact has been exemplary. His support has helped HCI Systems Ltd to make the correct & relevant decision for the business.We are extremely satisfied with the outcome. Would strongly recommend Clarity Health to work associates.”
Our free comparison and claims service
Choosing the right company health insurance broker helps you compare the entire market quickly and find the best cover at the best price. However, it’s important to ensure the advice you receive is truly independent and not influenced by insurer partnerships.
Many brokers have affiliations that incentivise them to recommend certain providers. A simple way to check a broker’s independence is to ask about their commission agreements, transparent brokers will have no issue explaining how they work.
At Clarity Health Insurance, we are fully independent with no incentivised partnerships. We treat all insurers equally and focus solely on giving you clear, unbiased advice so you can make the right choice for your business.
One of the most time-consuming parts of company health insurance is managing claims. While the process should be simple, it can often become complex and frustrating. That’s why we provide a free claims assistance service, supporting your employees with everything from gathering documents to communicating with providers and resolving disputes. We can even handle claims on their behalf, so they can focus on recovery, and your business can keep moving forward.
Additional benefits for your employees
Some company health insurance policies provide additional benefits for your employees, ranging from discounted gym memberships and equipment purchases, to discounts at spa retreats and restaurants. Your Clarity Health Insurance adviser can help explain what additional benefits will be available to your workforce based on which policy you choose.
What you should consider when leaving a company health insurance policy
When retiring or leaving a company policy, it is important to consider the type of policy that best suits your needs. To provide advice on this situation we have put together a guide to highlight what you should consider.
