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Group Health Insurance
What is Group Health Insurance?
Group Health Insurance (also known as Private Medical Insurance for employees) is a company-funded policy that provides employees with access to private healthcare for eligible medical conditions.
It allows staff to receive prompt diagnosis and treatment at private hospitals or clinics, helping them recover and return to work more quickly. For employers, it’s a highly valued benefit that supports employee wellbeing, reduces absence, and strengthens recruitment and retention.
How does it work?
Under a Group Health Insurance scheme:
- The employer arranges and pays for the policy on behalf of eligible employees (and sometimes their dependants).
- Employees can receive private medical treatment for acute, short-term illnesses or injuries, depending on the level of cover selected.
- Treatment is usually provided through the insurer’s approved network of private hospitals and specialists.
- Cover typically includes consultations, scans, surgery, hospital stays, and aftercare, with optional extras such as mental health support, dental, optical, or physiotherapy cover.
Employers can choose to cover all staff or selected groups (for example, directors, managers, or key teams).
Tax treatment
- Premiums paid by the employer are normally treated as a business expense.
- However, for employees, the cover is usually classed as a benefit in kind, meaning the value of the premium is subject to income tax under PAYE.
- Claims paid for medical treatment are not taxable, as they are considered reimbursement of healthcare costs.
Who is it for?
Group Health Insurance is ideal for:
- Businesses of any size wanting to provide private healthcare as part of their employee benefits package.
- Employers looking to improve staff wellbeing, reduce sickness absence, and promote faster recovery.
- Companies competing for talent, where a strong benefits offering helps attract and retain skilled employees.
Complete the form
Submit the details of your insurance requirements here