SME Health Insurance

SME Health insurance – for as few as 1 employee

If we have learned one thing from the pandemic it is that your Health is paramount, without it life can become very difficult.  

Having seen the private and NHS hospitals go into lockdown it has created lengthy delays for treatment under the NHS and it’s going to take some time to clear that back log.

Offering Health Insurance to your employees demonstrates that you take their health very seriously and that you care. It not only provides access to prompt medical treatment, most importantly it will help you recruit and retain the best staff.

For a small business with Key staff, you should seriously consider the impact if they were unable to work due to an illness, now more than ever.

I already have health insurance cover

If you are fed up with the customary 10%- 15% increases in premiums each year, then talk to us. We have over 25 years’ experience of reviewing Health insurance policies for our clients. If you do not benchmark your insurance premiums against other providers, then in our experience you won’t be getting the best price.

We compare the whole market to cover premiums and benefits from the UK's leading Health insurance providers. After we have fully understood your requirements, we will find solutions to best match your needs both in terms of the cost, cover provided and the service can expect from the insurers.

We are not suggesting you change insurers, but we do recommend a full review to benchmark the terms.

Simply call our offices and we will endeavour to help and guide you – there is no obligation, no fee and no pushy sales staff.

Who is SME Health Insurance for?

Its design is to protect the Health needs of Directors and Senior Management within a business, as well as all employees.  The minimum requirement for a Group scheme is just two employees.

What does Group Health Insurance cover?

Health Insurance policies are adaptable to meet both your business and financial needs; however, in principle they include the following:

  • Specialist Consultations
  • Diagnostic scans & tests
  • Surgical procedures in a private hospital
  • Alternative Therapies
  • The latest cancer drugs
  • Mental Health cover
  • Access to a broad range of private hospitals
  • Many insurers now give access to private GP and prescriptions services
  • Conditions such joint problems (musculoskeletal), Cancer and Mental Health are often fast tracked without the need to see your GP.

What is not covered?

This is not an exhaustive list; however, in the main a Health Insurance policy will not cover the following:

  • Pre-existing known medical conditions
  • GP fees
  • Cosmetic surgery
  • Out-patient drugs and dressings
  • Unproven treatment
  • Pregnancy and childbirth (except complications)
  • General dental treatment
  • Treatment abroad

What happens when you join?

When you join a Health Insurance policy for the first time you will typically be offered one of two underwriting options, however in the main Health Insurance does not cover any known or on-going medical conditions. The options are Full Medical Underwriting or Moratorium underwriting.

Full Medical Underwriting

This is a method of underwriting where the insurer requires full details of all previous medical history and current state of health for each person to be covered by the policy. This usually involves the completion of a health questionnaire as part of the application for cover.

From this, the insurer’s underwriter can then decide whether to:

  • allow cover on standard terms with no personal exclusions applied.
  • exclude cover for a specified medical condition and any associated medical conditions.
  • exclude cover as above, but with the proviso that the insurer will review the decision at a stated time in the future.


Cover will typically not be provided for any medical conditions which any person was aware of in the five years prior to joining the policy. However, if after two years continued membership there has been no re-occurrence of the medical condition and no medical advice or medication had been sought or arranged, then after two years the condition may be eligible for treatment.

With moratorium underwriting, you should be aware that claims will be assessed in accordance with the insurer’s standard policy terms and conditions at the point of claim, which will be based upon your GP records.

How can we help?

As experts within this field of insurance our Consultants will take the time to understand your business requirements and then negotiate and source the best possible terms with insurers for you. We will explain in layman’s terms how the policy works; what is included or what’s not and the distinct differences from one policy to the next.

“The right insurance package at the right price.”





Enquire Now

If you have health insurance and want to reduce the cost we can help, or if you are considering buying cover then let us source the best solution for you - save money - save time.

  • A must for all key staff

  • Minimum 2 employees

  • Access the best treatment promptly

  • We negotiate the best terms for you

  • We will save you money

  • We are on hand at all times to support you

  • We are a name to trust

Enquire Now

Enquire Now

If you require any help with your SME Health Insurance needs, please feel free to call us on 01384 456 345. Alternatively, you can use our enquiry form and we will get back to you as soon as possible.

About You
Business Details