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Health Insurance

Business Healthcare

Protecting small businesses with 1-249 employees.

Award-winning cover when your clients need it most

  • PMIGroupRating520122023
  • COVEA22-LOGO-Outstanding Individual Health Insurance
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Why choose Private Medical Insurance?

Private medical insurance is a great way for businesses to show they're truly invested in the health and wellbeing of their employees. Here are just some of the benefits:

  • Help their business attract and keep talented employees
  • Help reduce the number of sick days
  • Employees avoid long waiting lists - meaning they're back to work quicker
  • Give their people comfort and privacy at a time when they need it most

And that’s not all. Our Business Healthcare plan encourages your client’s employees to take preventative steps and lead healthier lives with the Vitality Programme – and we reward them for doing so. Our digital tools guide our members through the healthcare system - while our comprehensive cover provides access to treatment when they need it most.


Announcing the next generation of health insurance

We're thrilled to share the changes we're making to our health insurance in 2023. Including:

  • Key enhancements to three existing products - cancer risk assessments for all, self-referral for skin analytics and easier access to physio support
  • A new Condition Checker Tool available on Quick Quote
  • Improvements to our digital care journey on Care Hub
  • And our brand-new Health Claims Insights report

Business Healthcare toolkit

Incentives for employers

When your clients include employees on their plan, Vitality rewards them with cashback when these employees take steps to be healthier with the Vitality Programme.

At the end of the plan year - and assuming your client renews their plan for the following plan year - we look at the Vitality status of each of their employees and award cashback depending on the average Vitality status their employees achieve, as follows:
Vitality status Bronze Silver Gold Platinum
Cashback  0% 2.5% 5% 10%

Building a plan

Why Vitality?

Our unique approach provides a comprehensive package of healthcare benefits for your client's employees.

Full Cover Promise

We pay recognised consultants’ and anaesthetists' fees in full for eligible in-patient and day-patient treatment.
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Digital care access

When they seek care – we empower them to access the support and treatment they need through a range of primary and digital care services.
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The Vitality Programme

We encourage all of our members to take preventative steps and lead healthier lives, with rewards along the way from day one.  
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Mental health support

Our end-to-end approach to mental health supports your client's employees - with prevention and maintenance to early intervention, and comprehensive treatment for more severe conditions.
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Advanced Cancer Cover

If they're are diagnosed with cancer, we'll provide full cover for the latest cancer treatments and technologies. This includes access to screenings and preventative treatment, as well as personalised support and guidance from our specialist team at every stage of their treatment journey.
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Two doctors comparing notes

Explore our 2023 Claims Insights Report

With recent estimates suggesting that over nine million people in the UK will be living in poor health by 20401, innovation is needed more than ever.

This year’s report highlights the most pressing trends currently impacting the PMI industry.

We've also included recommendations on how you - and your clients - can navigate the challenging healthcare environment.

Helping you reach your business goals

New to health insurance? Looking to grow your business?

We’ve created a range of resources to support, educate and empower you.

Plus, we're here for you with support from your dedicated Vitality Business Consultant and fast access to UK-based servicing teams, giving you more time to focus on your clients.


Workplace Wellbeing

Vitality offers adaptable employee wellness programmes for businesses with 10 or more employees. What’s more, we share the benefits of healthy living with your client’s employees.

Our approach is firmly grounded in our expertise in behavioural science and is supported by independently verified Britain’s Healthiest Workplace survey data.

Every quarter themes support specific health and wellbeing content across the calendar year. These themes help engage employees across our key pillars of Vitality – physical activity, nutrition, mental wellbeing and stop smoking.

We're here to help.

Your Business Consultant is always ready to support you.


Adviser Hub

Quote, apply and manage your clients online.


Get in touch

Call us on 0345 051 0044. Lines open Monday-Friday 8.30am-5:30pm


New to Vitality?

Let’s help you to realise your business potential.