Business PMI is a health insurance policy taken out by an employer to cover their employees for private healthcare. It provides quicker access to diagnosis, treatment, and specialist care, helping reduce time off work and support employee wellbeing.

Offering PMI shows you value your employees’ health, helps attract and retain talent, reduces absenteeism, and improves morale and productivity—all while supporting a healthier workplace culture.

You can usually set up a policy with just one employee, though many insurers offer better rates and added benefits for businesses with 2 or more people on the plan.

Yes, many business PMI policies allow employees to add their spouse, partner, or children—often at a lower cost than separate personal or family plans.

Policies usually cover acute conditions, such as injuries or illnesses that can be treated and resolved (e.g., surgeries, cancer treatment). Coverage may include consultations, diagnostics, surgery, hospital stays, and therapies. Chronic conditions are often excluded from routine care but may be supported in diagnosis or flare-ups.

Unlike individual plans, some group business health plans may cover pre-existing conditions—typically when there are 15 or more employees on the policy. Availability varies by insurer.

Business health insurance is purchased by an employer for a group of employees, often at a lower cost per person than individual plans. It can also be tax-deductible for the business, unlike most personal plans.

Yes, for many businesses, PMI is treated as a tax-deductible business expense, though this depends on how your company is structured (e.g., limited company vs. sole trader). It's best to speak with your accountant for tailored advice.

Yes. When an employer provides PMI, it’s classed as a P11D benefit, which means it is taxable for the employee. The value of the benefit is reported to HMRC, and employees may pay additional tax through their PAYE code. While it remains a valuable perk, it’s worth noting this may slightly reduce take-home pay depending on personal tax circumstances.

Absolutely. Many insurers allow businesses to create tiered plans—offering different levels of cover for different employee groups, such as management vs. general staff.

Yes, many insurers allow coverage for remote, hybrid, or part-time staff, depending on minimum working hours and contract terms.

Coverage typically ends when the employee leaves, but they may have the option to convert to an individual plan and continue coverage directly with the insurer.

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