Top 10 Employee Health Insurance Plans

Taking out a group health insurance policy is a great way to maintain employee retention as well as keep your staff happy. Investing in your employee’s health and wellbeing should be one of your top priorities, as a healthy and motivated team will have a positive impact on business

In fact, employee health insurance is very much a sought-after employee benefit. According to research by Personal Group, the employee services firm, more than 40% of people surveyed said they wanted insurance as part of their benefits package.

Below we’ve put together ten of the best employee health insurance plans available on the market.

However, it is important to know the difference between health insurance and health cash plans before we get started. This is because they are not the same thing, but are mentioned frequently with employee health schemes.

  • Health insurance: covers employees for conditions that develop after a plan has been taken out
  • Health cash plan: used to pay for ongoing and routine treatment.

 

1.Equipsme

equipsme

Equipsme provides flexible and affordable health insurance plans for businesses that start from as little as £7 per person per month. What’s more, taking out a plan with Equipsme is uncomplicated, with four health insurance plans to choose from and no medical questions asked.

Key features

  • All ages from 16-69 years cost the same on all plans
  • No medical questions – simple three-year pre-existing conditions exclusion
  • 24/7 GP access
  • Employees can upgrade plan and add their family members
  • Can add additional benefits such as stress support (£1.50 per person per month) and dental & optical (£7.50 per person per month)

With all of the plans available through Equipsme members can get access to a doctor at any time, use the nurse helpline for queries and support and have physio sessions included. There is a limit on the number of physio sessions one can get, as it depends on level of cover chosen.

check-eligibility

 

2. Perkbox

perkbox

Perkbox Medical is an extension of Perkbox, Europe’s fastest growing employee experience platform. It aims to provide affordable, accessible and easy to manage private healthcare for everyone in every company.

Key features

  • Flat rate for all staff, whatever their age, gender or lifestyles
  • Affordable
  • Customised for every business
  • Swift prescription and referrals
  • 24/7 GP support

To find out more about the options Perkbox provides and pricing, you will need to fill in a form on their website.

 

3. AXA

AXA

 

AXA provides private healthcare cover specifically catered to small businesses.  They understand that each and every small business is unique, and so provide a variety of health insurance options and benefit to choose from. That means that firms only need to pay for the cover they require. As plans are tailored to individual firms you will need to contact AXA to get a quote.

Key features

  • If you have six or more people in your company, you can create different benefit packages within your plan
  • Unlimited access to private online GP service
  • Pick and choose the benefits that are right for your firm
  • 24/7 health information and support helpline
  • Wellbeing incentives such as gym membership
  • Physiotherapy consultations by phone with no GP referral requirement

Companies can choose from a variety of cover options including treatment for hospital procedures, diagnostics, outpatient services, therapies, mental health, extended cover, and travel.

 

4. Bupa

bupa

Bupa provides small business cover (2-249 employees) as well as corporate business cover (250+ employees).  They offer a wide range of products and services to cover every single aspect of your employee’s health and well being. This includes award-winning health insurance to flu vaccinations and health assessments.

Key features

  • Cancer cover as standard
  • Access to over 600 hospitals in Bupa networks
  • Confidential counselling service
  • Cash plan options
  • Flu vaccinations
  • Health assessments
  • Dental plan options

Companies interested in finding out more about Bupa’s business health cover option should contact them to receive a guide price based on their firm’s needs.

 

5. Cigna

cigna

Cigna provides a range of health insurance as well as dental insurance plans that an all be tailored to your business’s budget and strategy. They provide small business healthcare plan options (from 2-99 employees) as well as plans for firms looking to cover over 100+ employees.

Key features

  • Cancer cover options
  • Award-winning health app that enables employees to access everything in one place. Includes four free virtual GP consultations.
  • Provide preventative tests and screenings
  • Mental health cover
  • Dental insurance plans at a discount

As insurance plans are tailored to individual firms, businesses are asked to contact Cigna to receive a quote.

 

6. Vitality

vitality-life-insurance

Vitality caters its health insurance plans for small businesses. Every plan starts with core cover, which includes advanced cancer cover, in-patient, and day-patient treatment and mental health support options.

Key features

  • Advanced cancer cover as core cover
  • Fast access to care: video consultations with a Vitality GP within 48 hours
  • Pays for eligible consultants’ an anesthetists’ fees for in-patient and day-patient treatment in full without additional premium
  • Access to up to eight sessions of counselling or Cognitive Behavioural Therapy
  • Access to Vitality GP app
  • Discounted packages offered included gym membership

Vitality also provides workshops and wellness days to get a better understand of your employee’s health numbers too. Contact Vitality to receive a tailored quote for your firm.

 

7. WPA

WPA

 

WPA has a comprehensive range of health insurance options for small and medium businesses with 2 or more employees as well as private medical schemes for large companies with 150 or more employees. Different plans are available based on the size of the company, including a plan for firms taking out health insurance for the first time.

Key features

  • Unlimited choice of hospital, specialist or healthcare professional
  • Optional additional benefits that provide cashback for healthcare costs, including optical and dental
  • Discounted gym membership, opticians, health screenings and golfing
  • Comprehensive insurance package including in-patient, day-patient and out-patient treatments
  • Protection while travelling abroad option
  • Counselling options

To become a member of one of the plans, contact WPA to get a tailored quote for your business today.

 

8. Aviva

aviva-insurance

Aviva provides private medical insurance policies for businesses covering up to 249 employees and additional plans for large firms. Their policies are designed to fit around the client’s needs, affordable and provide flexilibity too.

Key features

  • BacktoBetter service as core cover: gives employee’s quick access to a clinical case manager for musculoskeletal conditions
  • Clients can increase or decrease the level of cover in accordance with needs and budget
  • Diagnostics tests covered in full
  • Extensive cancer cover
  • Psychiatric treatment as an out-patient up to £2,000 each member on every policy year
  • Specialist claims management teams for certain conditions
  • NHS cash benefits of up to £100 each night

As insurance is tailored to individual firms, prices for the policies are on a quote basis.

9. Westfield Health

westfield-health

Westfield Heath can help businesses of all types, budgets, and sizes whether these employees are all in one place, or are distributed. The firm provides private health insurance that can cost as little as £5.83 per employee per month.

Key features

  • Affordable and accessible plans
  • Anesthetists fees covered
  • Inpatient tests covered as part of surgical procedure
  • Non-urgent surgery covered
  • Health cash plans also offered

It is also possible to have both private health insurance and a health cash plan for your employees through Westfield Health.

 

 

10. CS Healthcare

cs-healthcare

 

With the group health insurance schemes from CS healthcare, employees have the chance to choose different cover options which may include their family too.

Key features

  • 24/7 health advice line
  • Fast access to diagnosis and treatment
  • Open eligibility criteria
  • Specialised scans cover
  • Discounted health assessments
  • Discounted gym membership

Pricing for CS healthcare insurance plans are based on the individual company and requires contacting them directly.