Buildings Insurance protects your business premises should it be damaged by fire, flood, burst pipes or storms…
SUPPORT YOUR TEAM WITH PRIVATE MEDICAL INSURANCE
Private Medical Insurance (PMI) provides your team with access to private healthcare, bypassing NHS waiting lists and enabling faster diagnosis and treatment. PMI is designed to complement the NHS, not replace it, and can be scaled to meet the needs of your business.
Our team of experts understand how crucial your people are to the success of your business. PMI is one of the most valued employee benefits you can offer - not only does it benefit your employees, it also helps you attract and retain talent and reduce staff absenteeism.
Whether you’re a growing start-up or an established business, we can help you tailor a healthcare policy that works for your budget and your people.
WHAT IS TYPICALLY COVERED UNDER A GROUP PMI POLICY
In-Patient & Out-Patient Treatment - cover for consultations, diagnostic tests, surgeries, private hospital accommodation costs and nursing care.
Cancer Cover – many policies offer comprehensive cancer care, including access to the latest drugs and therapies that are not always available on the NHS.
Mental Health Support & Virtual GP Services – cover can include treatment for mental health conditions, as well as 24/7 access to GPs via video or phone.
Optional Benefits – tailor your group policy further by adding additional benefits, such as optical and dental cover.
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FREQUENTLY ASKED QUESTIONS
How much does a group PMI policy typically cost?
The cost varies based on several factors, including the number of employees covered, their ages, level of cover, and any optional extras like dental care or mental health support. Our specialists can help you compare providers and find the most cost-effective option that best suits your business.
Can I choose which employees are covered?
Yes. You can offer PMI to all employees or select specific groups - e.g. management only, or staff after a probation period. Many SMEs start with a core group and expand cover over time. It’s important to define your eligibility rules clearly and fairly to stay compliant with employment law and insurer terms.
What’s the difference between Moratorium Underwriting (MORI) and Medical History Disregarded Underwriting (MHD)?
Deciding how pre-existing medical conditions are covered comes down to the underwriting method. MORI requires each member of staff to be trouble free from a pre-existing condition and insured for a specified period of time prior to the condition in question being covered. MHD on the other hand means that pre-existing conditions are fully covered for all members of the group policy.
OTHER COVERS
Contents and Stock covers the cost of replacing stock, equipment and other goods following an incident…
Contingency cover protects you should you suffer financial losses from an issue at an event such as last-minute cancellations…
Contract Works covers builders and tradesmen for any work in progress on a building site that is damaged…
Contractors All Risks protects employers and contractors for loss or damage to a building site that you or your team…
Crime cover protects you from both internal and external fraudulent activities, helping to get your business up and…
Directors’ and Officers’ provides financial protection for the potential defence and damage costs for the leaders…
Employers’ Liability, Public Liability and Product Liability are key to protect your business against the diverse…
Employment Practices Liability covers employers for claims made against them by employees that allege discrimination…
Environmental Impairment Liability provides cover following an incident that causes pollution on land…
Goods in Transit insurance provides cover for theft, loss, or damage of goods whilst they are being transported…
Jewellers’ Block protects businesses that sell high-value or unique jewellery or carry out regular valuations…
Landlord’s Contents covers insured furnishings in your rented property should they be damaged by tenants…
Latent Defects covers the cost of remedying and rectifying damage caused by faults in design, construction…
Legal Expenses protects you and your business by covering the cost of taking or defencing legal action should the need…
Legal Indemnity is typically paid for by the seller of a property and protects the purchaser against issues…
Loss of Licence covers the costs that are incurred if your alcohol licence is revoked by your Local Authority…
Machinery and Plant is a vital cover to protect necessary plant and equipment used by industries such as…
Marine Cargo cover protects businesses that are responsible for transporting goods both domestically and…
Our combined Material Damage and Business Interruption cover provides businesses with full protection…
Medical Malpractice protects healthcare professionals against allegations of clinical negligence and medical…
Personal Accident and Travel cover protects a business’s directors, partners and/or employees if they suffer…
Product Recall covers the reasonable and necessary expenses of recalling and replacing products where…
Professional Indemnity covers the legal costs and any resulting compensation payments if a client alleges…
Terrorism cover protects a business and its ability to continue trading following a terrorism incident…
Trade Credit protects a business if a customer owes money for products or services and does not pay their debts…