Business Health Insurance
No matter the size of your business, we provide a comprehensive range of healthcare solutions and advanced services to help support your employees’ health and wellbeing.
Private health insurance for businesses
Protect your team’s health and keep your business running smoothly with the right health insurance plan. Whether you run a small business or a large company, finding the right cover ensures your employees receive high-quality healthcare while you stay in control of costs.
With a business health insurance plan, your staff can get:
- Access to private hospitals and specialists
- Diagnostic tests and scans without long delays
- Treatment in comfortable, modern facilities
- Access to virtual GP services and helplines
At Clarity Health, we make comparing business health insurance simple. We work with the UK’s leading providers including Bupa, AXA Health, Aviva, Vitality and WPA. Our insurer partnerships allow us to bring you tailored quotes that suit your people and your budget. Our expert advisors guide you through the complexities of small business health insurance, helping you choose the ideal policy that aligns with your team’s needs and your business goals.
Start your quote
What is the difference between small business health insurance and corporate 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.
What does business health insurance cover?
Every insurer offers slightly different levels of cover, but most business health insurance plans include a mix of the following:
- In-patient and day-patient care – Hospital stays, surgery, and specialist treatments
- Out-patient consultations – Diagnostic tests, scans, and follow-up appointments
- Cancer cover – Access to advanced treatments and specialist drugs
- Mental health support – Counselling, therapy and wellbeing services
- 24/7 virtual GP – Remote GP appointments, often available same-day
- Optional extras – Dental, optical and physiotherapy add-ons
Making a business health insurance comparison helps you find the policy that delivers the best cover and value for your business.
“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.”
How much does business health insurance cost?
Here are the main factors insurers use to calculate premiums:
Number of employees: More staff = bigger total cost, but often lower cost per employee because of scale and potential discounts.
Age profile of the workforce: Older employees tend to cost significantly more.
Level of cover: A policy with full outpatient, therapies, mental health and unlimited specialist access will cost more than a basic inpatient-only cover.
Excess and benefits mix: Higher excesses or limited provider networks reduce cost; adding extras (dental, optical, travel) increases cost.
Location & industry risk: Business location (e.g., London vs rural UK) and the nature of the business (high-risk industry vs office work) can affect premium.
Private healthcare tailored to your business
When you apply for a business health insurance quote with Clarity Health Insurance, one of our industry-experts will listen to your requirements and use them to find the right policy that fits your needs. No two private healthcare providers are the same, and each policy available will have their own quirks and incentives.
Your customer adviser will discuss the options available to you and the various pros and cons of using that provider. Whether you have an idea of the exact kind of coverage you’ll need for your business or would like more information on the various policies and options on the market, your adviser will be there to help.
Another benefit of using Clarity Health Insurance to help you find your small business health insurance policy is that we can quickly compare a wide variety of different providers to find the best price available. Whether you’re choosing a policy based on the cost, the coverage or some of the additional benefits on offer, your dedicated adviser will be able to assist in securing the policy that’s right for you.
Assistance with making a claim
One of the most time-consuming parts of a private health insurance policy can be the claims process. While we believe it should be simple and straightforward to make a claim from your insurer, the reality is that it can often be more complicated than it should be.
Clarity Health Insurance offers a free claims assistance service for all our policyholders, including your employees should you take out a small business health insurance policy. This service can help your employees collect all the information they need to make a claim, advise them on the best point of contact at the healthcare provider to get their claim resolved, and help with any disputes that arise over a claim.
We can also make the claim on your employees’ behalf should they wish, leaving your employee free to focus on their health and ensure they get back to full working fitness as soon as possible.
What are the benefits of business health insurance?
Attractive benefit for new hires
A key benefit of a small business health insurance policy is that you can use it as a perk to both attract new employees and retain existing hires. Offering healthcare as part of employment in your business could make the difference between a high quality potential hire choosing your company over another.
Taking out a small business health insurance can also be a bonus for your existing employees. By adding this protection while they are employed with you, it could prevent them from looking elsewhere for a new role and encourage them to perform better to stay in your employment.
Tax incentives
A small business health insurance policy using your company bank account, can be deductible on your tax bill as a business expense, whereby the policy exclusively covers the employees of your business.
The cost of the policy can be used to reduce the amount of corporation tax you pay each year. However, you should advise your employees that they may have to pay tax for receiving this benefit. We advise you to speak with your accountant to work out the exact implications on your tax bill.
Confidentiality as standard
One concern your employees may have when taking advantage of the health insurance you provide is whether or not their medical information will be shared with you (their employer). All health information is kept completely confidential, so your employee can focus on getting the healthcare they need.
You will be informed that a claim has been made as this will affect the cost of your renewal, but you won’t be presented with details around the nature of the treatment paid for. So you can keep an eye on the financials while their medical treatment remains private.
Mental health services
Many employers are now recognising the importance of mental health to secure a happy and productive workforce. Opting for a policy that provides mental health services could be an excellent option for your business.
From 24/7 support lines that allow your employees to speak with counselors and therapists whenever they need, to the option to book in-person appointments at a time and location convenient to your employees, adding this to your policy can be a real benefit for your workforce.
Dental healthcare
Protecting your dental health is becoming increasingly more difficult, with NHS options extremely limited and private appointments sometimes prohibitively expensive. Securing a private dental healthcare plan as part of your small business health insurance policy will allow your employees to resolve any dental health issues as and when they arrive.
Private GP services
One of the key advantages of a small business health insurance policy is that many of the healthcare providers offer a private GP service to their policyholders. This allows your employees to quickly secure an appointment at a time suitable to them. That means no waiting around for an appointment at their local NHS GP, where waiting times can be over a week or two.
Private healthcare providers can also offer a 24/7 virtual appointment service, allowing your employees to get advice from a medical professional at any time they require it. Conducted over the phone or via video call, your employees can arrange an appointment with a doctor, nurse, or pharmacist, and get the advice they need.
