Small Business Health Insurance in the UK
- Get fast access to healthcare for you and your employees
- Help your team get healthy - reducing sick days and healthcare costs
- Boost productivity with brilliant rewards from top brands
For companies with up to 249 employees – we can help your business perform at its best.
What is small business private health insurance?
Health insurance for small businesses gives your employees access to private healthcare. It’s perfect for businesses with up to 249 employees.
With Vitality small business private health insurance, you can:
- Support you and your employees’ mental and physical health – with award-winning private medical insurance
- Help them stay healthy and performing at their best – with expert tools, tailored to their health and wellbeing needs
- Keep them engaged and motivated – with discounts and rewards from our top brand partners
If you have over 100 employees and want a claims-rated plan, check out Corporate Healthcare.
How does small business health insurance work?
We help your employees to create and maintain healthy habits
1. Get a quote online
You can get a quote in minutes. We’ll ask questions about your business name, location and the number of employees you want to cover. You’ll then get an estimated quote.
2. Customise your cover
When you’re ready to tailor your plan, you can call our team of experts. They’ll help you build a plan to fit your business’ needs. Have your employee details on hand, it’ll ensure you get an accurate price.
3. Add your employees
When you add your employees to the plan their receive an email with their member number and registration instructions.
4. Manage your plan
Use Employer Zone to effortlessly add or remove employees and their family members, edit member details and get clear updates on every change.
5. Enjoy discounts and rewards
All plans come with discounts and rewards from top brands like Apple Watch and Gymshark – making it easier for your employees to get healthier. And we’ll reward you with Employer Cashback too, when they get healthier.
6. Employees can access care
Our Member app makes it easy to book Vitality GP appointments, self-refer for physiotherapy and mental health support. Giving your employees the care they need, when they need it.
Benefits for your business
We don’t just benefit your people, your business will benefit too
Better health
Employees engaged with the Vitality Programme have 28% fewer sickness episodes2 than non-engaged employees.
Less sick days
They also have 46% less sick days2 than non-engaged employees – meaning less disruption to your operations
Higher job satisfaction
Employees are 13% less likely to report low job satisfaction than those with other health insurers3
Increased productivity
Healthy, engaged employees means more productivity – a whole 2.5 additional days of productive time3 per employee, per year
What does small business health insurance cover?
Start with your core cover
It's designed to make it easy to improve health, productivity and wellbeing:
- Private GP appointments – speak to a Vitality GP online within 48 hours, and get quick referrals to see a specialist
- Mental health support – up to eight sessions of Talking Therapies, like counselling or cognitive behavioural therapy (CBT)
- Physiotherapy – up to six sessions of physio within our network, and access 24/7 digital support
- Advanced Cancer cover for all cancers – and personalised support, from diagnosis 4 to recovery
And you’ll also get additional benefits like an NHS cash benefit, parent accommodation and menopause support through Peppy.
Added extra protection for your business
Our small business health options can help you to tailor your plan to your business' needs.
- Mental Health cover – unlimited cover for Talking Therapies, up to £1,500 for Out-patient care and cover for in-patient and day-patient treatment
- Optical, Dental and Hearing cover – dental care, eye and hearing tests and prescriptions for glasses and hearing aids
- Worldwide Travel insurance – including up to £10 million in emergency medical care and up to £10,000 cancellation cover
- Out-patient cover – for diagnostic tests, consultations and treatment – when you're not admitted into hospital. Also includes unlimited physiotherapy sessions within our Priority Physio Network
- Therapies cover – includes chiropractic treatment, osteopathy, acupuncture, and more
- Employee Assistance Programme - 24/7 expert telephone advice and six confidential, face-to-face counselling sessions per year
- Personal Health Fund (PHF) - money toward everyday health costs, like eye tests or dental care. And when you get active, we'll pay more into it
Why choose Vitality
Our award-winning health insurance for small businesses gives you and your employees more.
On top of quick access to private GPs and specialists, our plan gives you and your people the tools to improve their health and wellbeing – every day.
So what makes us different?
- Care in the palm of your hand – we make it easy for your people to get the care they need, when they need it, all entirely online
- Help your team feel better, faster – they can see a Vitality GP online within 48 hours and arrange their own physiotherapy and mental health appointments. They’ll also get speedy referrals to specialists and access to early risk assessments for five common cancers
- Improve your health. And get rewarded for it – your people can keep tabs on their health with an annual health check, get personalised guidance and earn rewards from top-brands for making the healthy choice
How much does small business health insurance cost?
Prices will vary depending on your small business health insurance options, and a few things about your business, including:
- Number of employees
- Company location
- Employee age(s) and family status
- Underwriting type – which will depend on whether you have PMI currently or not
And we can help you and your employees save money too...
- Personal Health Fund – your employees can build up a pot of money that you can use. Pay for basic health needs, including eye tests and dental check-ups
- Employer Cashback – encourage your employees to get healthy. Get money back for your business, every year
- Big brand savings – discounts from day one on brands that help you get healthier. Plus, even more rewards when you keep up healthy habits. Popular rewards include Apple Watch, Virgin Active and Champneys
How to get health insurance for employees?
Get started with a small business medical insurance quote
Get a quote online
Get started by finding out how much your plan could cost. It only takes a few minutes
Speak to an expert
When you’re ready, speak to our expert team who will help you build a plan that suits the needs of you and your employees
Choose how to pay
You can pay via monthly, quarterly or annual direct debit. Or annually by electronic funds transfer
Add members to get started
Now you’re ready to add your employees to the plan. You can submit their application forms through our Employer Zone.
What business health insurance is right for me?
Every business is different. That’s why we cater to businesses of all sizes
Self-employed health insurance
For sole traders or self employed
- Avoid lengthy GP and hospital waiting lists
- Get diagnosed and treated quickly
- Add your partner or loved ones to your plan
- Save hundreds with our rewards and benefits
Small business health insurance
For 1 - 249 employees
- Help employees lead a healthier life with a personalised wellbeing programme
- Give employees fast access to GPs and specialists
- Provide your employees with a simple way to manage their care online
- Boost your peoples’ morale – they can get healthier and save hundreds on top brands
Corporate health insurance
For businesses with 100+ employees
- Insights based on your employees’ health data, to help you build an effective wellbeing strategy
- Access to GP check-ups, mental health care, physio and menopause support
- Rewards for your employees when they get active
- A dedicated client manager to help you access our services and build your wellbeing strategy
Ready to get a quote online?
*Call centre opening hours: Monday-Friday, 8.30am-5pm. We will be closed on bank holidays.
Call charge information
Calls to ‘03’ numbers cost no more than a national rate call to a 01 or 02 number, whether from a mobile or landline. If you get inclusive free calls to local rate numbers with your landline or mobile tariff, calls to ‘03’ numbers will be included.
Ready to be rewarded?
Our health insurance for small businesses gives you access to discounts with top brands from day one. And you’ll get the chance to earn even more rewards when you get active.
So, how does it work?
1. Understand your health
Start by answering a few questions about your health, we’ll give you personalised health advice. And keep an eye on your health with an annual Vitality Healthcheck, or discounted Bluecrest Health Assessment.
2. Get healthier
Earn points for looking after your physical and mental health, like doing your everyday steps, a gym workout or a mindfulness session with Headspace
3. Enjoy rewards
Activity points points will unlock weekly and monthly rewards. And you’ll always have access to discounts from top-brands like Garmin, PureGym and Gymshark
Award-winning cover for 1.9 million UK members
Small business health insurance FAQs
Where to next?
Latest guides and articles
Find out how small business health insurance for employees works.
2 Novo Nordisk and Vitality Study
3 10 Years of Britain’s Healthiest Workplace: The Changing face of the UK at work 2025
4 Subject to Out-patient cover being selected