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Small Business

We offer flexible and affordable business private medical insurance products to help you look after your team.

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Already covered?

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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Why take out private medical insurance for your business?

Private medical insurance is a highly valued benefit among employees, giving them access to private medical care when they need it the most; 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 you more attractive to highly skilled job seekers. Especially if you’re a small business in a big players’ market, 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, 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. 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 get treated.

Increasing job satisfaction and morale

A 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 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 our packages can be tailored to your unique business needs and can fit around your budget. To discuss your situation and get a 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

We are committed to making business private medical 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 quote elsewhere for similar benefits, we will do our best to match it.

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Tailored Packages

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

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Personal Service

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

What's covered

Our business products are flexible, so you can opt for basic plans with essential benefits or comprehensive packages with a range of optional features. Depending on the 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?

There are several things that are not usually covered under 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 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.

What private medical insurance plan is right for my business?

Getting the 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 cover you have, your employees have to follow our claims process. As a rule of thumb, a group member will need to see their GP first and then get in touch with our claims team before getting 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 can I contact Freedom Health Insurance?

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

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