Employee Private Medical

Give your team faster access to treatment and reduce sickness absence with group private medical cover.

What's Included

✓

Rapid Diagnosis & Treatment

Skip NHS waiting lists with prompt access to consultants and surgery

✓

Flexible Cover Tiers

Build a scheme around your budget, from core hospital cover to comprehensive plans

✓

Virtual GP Access

24/7 remote GP appointments for employees and often their families

✓

Mental Health Support

Counselling and psychiatric cover to support employee wellbeing

✓

Optional Add-Ons

Dental, optical, and travel cover can be bolted on to suit your team

✓

Easy Scheme Management

Simple administration whether you have 3 employees or 300

Why Employers Choose It

Attract and retain talent: A quality healthcare benefit is one of the most valued perks and helps you stand out to candidates.

Reduce absence: Faster treatment means employees recover and return to work sooner.

Tax efficient: Premiums are usually an allowable business expense, though cover is treated as a benefit in kind for employees.

Healthier workforce: Preventative screening and early intervention keep your team well.

Why Your Employees Value It

Recruitment and retention: a decisive differentiator

In a competitive talent market, health insurance is consistently ranked among the benefits candidates care most about. Offering group PMI demonstrates that your organisation invests in people's wellbeing: and it shows at the recruitment stage, during onboarding, and throughout the employment relationship.

Reduced sickness absence: measurable ROI

NHS waiting lists mean employees can spend months awaiting treatment for conditions that affect their ability to work. Group PMI gets employees seen, diagnosed, and treated quickly: reducing the duration of absence. Many insurers publish data showing that PMI reduces absence-related costs significantly for employers of all sizes.

Tax-efficient benefit

Premiums paid by employers are an allowable business expense for corporation tax purposes. Employees pay income tax on the benefit-in-kind value, but the overall cost to employer relative to the perceived value to employees makes group PMI one of the most cost-effective benefits available.

How Group PMI Works

Group PMI is arranged as a single policy covering all eligible employees. Employees are enrolled (and dependants can often be added at employee expense), and each person has access to the same level of cover without individual medical underwriting up to a free cover limit. This means employees with pre-existing conditions can often access cover that they couldn't get individually.

Most group schemes allow flexible cover levels: you can offer the same cover to all employees, or tier benefits by grade or seniority. Baker Hudson Health will design the scheme structure, negotiate the most favourable terms, and manage the annual renewal process on your behalf.

What About Small Businesses?

Group PMI is available from as few as 2 employees. Smaller schemes may have slightly different underwriting terms (typically moratorium underwriting rather than full medical underwriting), but the core benefits and insurer options remain the same. Baker Hudson Health specialises in finding the right solution for SMEs, not just large corporates.

Why Baker Hudson Health?