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Small Business Health Insurance

We offer flexible and affordable small business medical insurance to help you look after your team and ensure that the workplace is running at its best.

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Switch to us and you can usually continue your group health cover without losing the benefits that are important to your business. Call us today to discuss your options. 0800 999 2013*

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What is small business health insurance?

Small business health insurance (also referred to as SME health insurance) is a type of insurance plan designed to cover medical expenses for employees of small to medium-sized companies and offer them support when they need it most. SME medical insurance is particularly important for smaller businesses who may not be able to afford losing a member of staff for long periods of time due to illness. From cancer cover to mental health support, our small business health insurance will both offer your employees peace of mind and keep your business running smoothly.

Why take out private medical insurance for your business?

Small business private medical insurance is a highly valued benefit among employees, giving them access to private medical care at times convenient to them; but it can also be a tool for employers to improve their business by:

Gaining a competitive edge

The way you look after your team can be a point of differentiation in the industry, making your workplace more attractive to highly skilled job seekers. Especially if you’re a small business in a big players’ market, small business private health insurance can be a reason for people to choose your business over another, thus improving your company’s ability to recruit talented people.

Improving staff loyalty & retention

When employees feel valued by their employer and are offered health insurance benefits, they are more likely to stay with that company for longer and are motivated to perform better. Show your staff you care about their health and wellbeing with a health insurance plan they can rely on.

Reducing absenteeism and presenteeism

Sickness can have a significant impact on your bottom line, and it’s not just the cost of sick days that adds to it, but also the lost productivity of working when sick and in need of medical care. Business private medical insurance helps your staff return to work sooner by giving them quick access to healthcare and the flexibility to choose when and where they receive treatment.

Increasing job satisfaction and morale

A small business private medical insurance plan can contribute towards a stronger and more positive relationship with your employees and build more trust in your organisation. A company that nurtures its people, ensuring they are healthy and provides opportunities for them to be at their very best fosters growth, innovation and profitability.

Protect your business and your staff

Freedom Health Insurance can cover groups of all sizes and offers a range of underwriting options. All of our health insurance packages can be tailored to your unique business needs and can fit around your budget. To discuss your situation and get a small business health insurance quote, just contact your insurance broker or request a call back below and we’ll be in touch shortly.

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Why choose us for small business health insurance?

We are committed to making SME health insurance as straightforward as possible with a flexible cover and an award-winning customer service you can always trust.

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We Protect your Budget

We generally don’t increase your premium after your employees make any claims, helping you better control costs.

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Insurance Premium Match

If you happen to get a cheaper medical insurance quote elsewhere for similar benefits, we will do our best to match it.

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Tailored Packages

Your small business medical insurance plan is tailored around your business and healthcare needs.

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Personal Service

With dedicated customer service and an easy claims process, companies have been trusting us since 2003.

What's covered

Our small business health insurance products are flexible, so you can opt for basic plans with essential benefits or comprehensive packages with a range of optional features to cater for your employees’ needs. Depending on the health insurance plan you choose, your employees could benefit from:

  • Full cover for inpatient and day-patient treatment
  • Accommodation in private hospital rooms
  • Outpatient treatment including specialist fees, diagnostic tests and physiotherapy
  • Cash benefit for using the NHS
  • Choice of hospital and consultant
  • Comprehensive cancer cover

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SME Health Insurance FAQs

What is not covered under private medical insurance?

When taking out small business medical insurance, it is important to understand what you are and aren't covered for. There are several things that are not usually covered under SME health insurance such as accident and emergency treatment, pre-existing conditions, chronic conditions, cosmetic treatment and pregnancy and childbirth. A full list of exclusions is available in your policy document.

Can my employees add their families to the cover?

Yes, you can opt for a small business health insurance plan that provides cover for your employees and their families, including partners and children. With any Freedom Health Insurance cover, you will only pay for the eldest child because all the other children are insured for free. What’s more, children can be kept under your policy up to the age of 25 as long as they live with the main insured person, giving you the opportunity to offer extra peace of mind to your employees. Our small business medical insurance will give your employees confidence that their family has the medical protection they need and will be kept happy and healthy.

What private medical insurance plan is right for my business?

Getting the SME health insurance plan that works best, both for your business and your people, is a matter of balancing your employees’ healthcare needs and your budget. Freedom Health Insurance is expert in business private medical insurance and we offer highly flexible plans that can fit a wide range of business requirements. Contact us today to discuss your options.

How does the claim process work?

Depending on the level of cover you have, your employees have to follow our claims process. As a rule of thumb, a group memberof the SME health insurance policy will need to see their GP first and then get in touch with our claims team before getting medical treatment. Please direct them to our claims page to find out more.

How does Freedom Health Insurance make claim payments?

Depending on your policy, we either settle bills directly with the healthcare provider or send the amount payable to the member’s bank account (for refunds and cash benefits). See the claims page for more information.

How do I get health insurance for small business?

Here at Freedom Health Insurance, we make the process of getting small business health insurance policies quick and easy. Simply complete our contact form above with your details including the number of people you would like covered by the policy. We will then give you a call back to get all the information we need to provide you with a private medical insurance quote that meets your needs.

Are small businesses required to provide health insurance?

Small businesses are not required to provide health insurance, however, it is certainly worth considering investing in, as offering SME health insurance can have many benefits for both the employer and their employees. Just a few rewards of having SME health insurance include: 

  • Attracting and retaining valuable staff
  • Improving job satisfaction and boosting morale
  • Having fewer sick days and helping to keep the business running as usual

How much is small business health insurance?

The cost of small business health insurance will depend on the level of cover you require. If you wish to discuss your business’s needs, you can contact us and a member of our friendly team will be happy to help.

How can I contact Freedom Health Insurance?

At Freedom Health Insurance, we strive to provide excellent customer service at all times. Whether you are an existing member or thinking of joining us, you can contact us by:

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