Group Health Insurance Quote

What is Group Health Insurance?

Group Health Insurance is a policy your company takes out to give your employees access to private healthcare.

If one of your employees needs medical treatment, they can bypass NHS waiting times and access:

• Private consultations, diagnostic tests and treatment
• Specialists and procedures quickly
• Mental health support and wellness services

Because the policy is paid by the company and covers your whole team:

• Employees get healthcare when they need it, not months later
• Your business benefits from reduced sick days and faster return to work
• You create a genuine employee benefit that helps attract and retain talent

When you choose Group Health Insurance, your team receives private healthcare without the cost of individual policies, and your business stays productive.

The British Life Promise

With British Life, you receive the following:

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  Whole-Market Comparison

  We connect you with FCA-authorised advisers who compare Group Health Insurance policies from leading UK providers. Your adviser will evaluate plans based on your team size, budget and the level of cover that makes sense for your business.

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  No Hidden Fees

  You’ll never pay for our service. The advisers we connect you with are compensated by insurers only when they secure suitable cover for you.

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  Business-Focused Expertise

  Standard health insurance doesn’t fit every business. Your adviser ensures your policy matches your unique business needs, whether you’re covering five employees or 50, with options for core cover or comprehensive benefits.

Key features at a glance

A well-designed Group Health Insurance policy typically offers:

• Fast access to private treatment

  Employees can see specialists, get diagnostic tests and receive treatment within days rather than months. This includes consultations, scans, operations and cancer cover, which helps your team return to work quickly.

• Mental health support

  Most policies include mental health cover, often up to six sessions per year, plus employee assistance programmes. This addresses both physical and psychological health, recognising that wellbeing affects productivity.

• Flexible cover levels

  Choose between core cover for essential treatments or full cover, including outpatient services, dental care and eye tests. Your adviser will explain what each level includes and help match appropriate cover to your budget.

• 24/7 GP access

  Many plans include private GP services outside normal opening hours. Your employees can get medical advice and prescriptions quickly, often the same day, without disrupting their work schedules.

• Optional wellness benefits

  You can also add health cash plans for everyday health costs such as dental check-ups and physiotherapy. Some providers offer wellbeing services and health screenings to help employees manage their health proactively.

Your adviser will tailor the cover level, additional benefits and claims team support to your business needs and employee demographics.

3 Steps to feeling confident in your Group Health Insurance cover

Getting the right Group Health Insurance policy is simpler than you think:

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  1. Start your quote

  Start by sharing your business details and we'll connect you with an FCA-authorised adviser who understands employee health insurance and small business health insurance plans and solutions.
  

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  2. Secure your policy

  Your adviser will review the whole market and compare Group Health Insurance providers to find cover that fits your team size, budget and the healthcare benefits you want to offer.

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  3. Be confident in your coverage

  You can feel certain that your Group Health Insurance plan will give your employees fast access to the healthcare they need, reducing sick days and supporting your wellbeing strategy.

How would it feel knowing your team can get treatment within days, not months.

Start Your Quote

How Group Health Insurance works

• Policy set-up

  The first step is for your company to take out a Group Health Insurance policy covering eligible employees. When you do, you'll agree with the insurer on the level of cover, whether that's core cover for essential treatment or full cover including additional benefits such as dental care and wellbeing services.

• Premiums paid by the business

  Your company will typically pay premiums monthly. The cost depends on several factors, including the number of employees covered, their ages, the level of cover chosen and whether medical underwriting applies. Your adviser will explain how premiums are treated as a business expense and the benefit-in-kind implications for employees.

• When an employee needs treatment

  If an employee needs medical attention, they will contact the insurer's claims team. For most conditions, they can arrange consultations, diagnostic tests and treatment through the insurer's network of private hospitals and specialists in their local area.

• Treatment provided

  Each employee receives private treatment, whether that's inpatient care, day-patient procedures or outpatient consultations. For mental health issues, they can access support through employee assistance programmes or specialist services, often receiving help within days.

• Ongoing support and wellness

  Beyond treatment, your employees get access to wellbeing benefits such as health screenings, private GP services and wellness programmes. These help your team manage both physical and psychological health proactively, preventing issues before they require treatment.

Your adviser will walk you through how the claims process works, what medical underwriting means for your specific situation and how your employees can access the services they need.

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Group Health Insurance providers across the UK do more than protect your team's health and keep your business productive.

Start Your Quote

Prefer to speak to someone?

Call our UK-based team on 0333 987 3960 (Mon-Fri, 9am-7pm) and we’ll connect you with an FCA-authorised adviser.