Small business health insurance
- Get fast access to private medical insurance for you and your employees
- Get back to business faster - cut sick days1 and boost performance
- Get more from your plan every day – support employee health and save money too
Thinking about health cover for your SME?
Let's help you make it a big win for your business.
Vitality can help you build a plan that really works for your business - with quick access to GPs, mental health support whenever you need it. And more quality healthcare. You can choose to add your employees' family members too.
Whether you're self-employed, or a business with up to 249 employees - we can help your business perform at its best.
Here, we'll give you what you need to make a choice (or make a pitch). And show you why Vitality’s limited company health insurance is worth it. Let's get down to business...
What do you get with Vitality?
Start with private healthcare that’s built for small business - then add the health cover your team actually needs. No off-the-shelf cover here.
Kick off with standout cover
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Unlimited virtual GP appointments
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Mental health support
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Physiotherapy
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Cancer treatment, for all cancers
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Healthcare for the family
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No surprise hospital bills. Vitality pays 100% of the costs for eligible in-patient and day-patient hospital stays
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| Out-patient surgeries – fully covered too |
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Quick access to consultants
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More care and treatment
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More money for your care
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More support when you need it
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Understand your health, build better habits
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Enjoy brilliant discounts and rewards
And that's just a taster... Terms and conditions for all Vitality reward partners apply. Partner benefits are available for adult members aged 18 and over. |
Now let's boost your cover
Add more of what you business needs
- Optical, Dental and Hearing Cover
- Unlimited Talking Therapies with our Mental Health Cover
- Worldwide Travel Cover
- Cover for alternative therapies like acupuncture or osteopathy
- Boosted out-patient cover - consultations, consultant appointments, and diagnostic tests outside of hospital
Tailor your plan for your business
- Choose your preferred list of hospitals
- Add your choice of consultants, including our top-rated specialists
- Choose an excess for your employees (what they pay per claim or per year)
- Select an underwriting option (how medical history is applied to your plan)
What's not covered
Just like most insurers, we don't cover:
Long-term (chronic) conditions
Like diabetes and asthma, which require routine monitoring and treatment.
Pre-existing conditions
Some conditions you have before taking out your health insurance plan, may not be covered.
It all depends on your underwriting (how your medical history is applied to your plan).
Let's talk about price
How much does small business health insurance cost?
Prices vary based on your cover choices and business details—like how many employees you want to cover, location, employee ages and family status.
But here's what you should know:
- Business health insurance can sometimes be more cost-effective than personal health insurance, depending on your business profile and underwriting
- And it can be tax-efficient - as a limited company, you could claim business health insurance as a tax-deductible expense
- Want to expand? You can add employees to your business health plan, whenever you need (subject to eligibility)
Your quote is just a starter for ten - we can help you build a plan that suits your budget.
How Vitality can help your company save money
It pays to get business health insurance with us. Here's how:
- Switch and save - we'll aim to beat your renewal price - so your company gets great healthcare and better value
- Get money back each year, when your employees get healthier - up to 10% cashback8 on your annual renewal premium
- Add a personal health fund to your plan. It's like a pot of money you and your employees can use to pay for things like eye tests and dental check-ups
- Save big with Vitality discounts and rewards. Your employees could save over £2,000 a year.9
How does it work?
Here's how you get your plan and make the most of it.
1. Get a quote online - it's super quick
Like the look of our business health insurance? Get a quote online in just 2 minutes. (guide price only)
We only ask for a few quick details and give you an estimated price.
Want a tailored price from the get-go? Or want to see how much you could save if you switch? Speak to a Vitality adviser. No obligation, no jargon, just real support.
2. Tailor your plan to fit your company
Next, you'll build your plan - starting with that nice, long list of cover your business gets as standard. You can add more high-quality healthcare.
Then polish up your plan as you choose: your hospitals, your consultants and your excess.
And don't forget, partners and children can be added to our company healthcare plans.3
Our expert team will design the plan just for your business. You only pay for the cover you want to provide.
3. Access your private healthcare - easy
With Vitality, you and your employees can book GP appointments, physio or therapy sessions in just a few clicks – no referral needed.
Need to see a specialist? Get instant approval for treatment.
Choose your consultant, track your claims, access health advice for conditions like cancer, menopause and more. It's all in one place, online.
4. Get healthier. Get rewarded.
We don't just offer award-winning employee health insurance - we help you and your team get healthier.
You'll get personalised tips to improve your health, plus a health check every year.10
You and your employees will enjoy discounts from top brands. They'll help you keep healthy, save money and stay motivated.
And when you get active you could choose more rewards, like cinema tickets, each month.
So if this all works for you...
Results are in. Vitality makes an impact.
We make a real difference to your employees’ health - helping your team and your company thrive. See the results for yourself...You could live up to 5 years longer, when you get healthier with Vitality.13
Providing top-rated cover to 1.9 million UK members
FAQs on business health insurance
Have a question for us?
* Call centre opening hours: Monday - Friday, 9am-5pm. We will be closed on bank holidays.
Calls to ‘03’ numbers cost no more than a national rate call to an 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.
1 Engaged employees show 22% fewer absences – 10 years of Britain’s Healthiest Workplace: The changing face of the UK at work, 2025
2 You can book two face-to-face private GP appointments each plan year as part of our core health insurance cover. You'll need to make a £20 upfront payment each time you book a consultation, and we'll cover the rest of the consultation charge. If you have added the London Care hospital list, you'll get unlimited appointments.
3 Only pay for the eldest child dependant (20 or under). All eligible adult dependants (21 or over) must be paid for.
4 Patients treated by Premier Consultants have 42% lower hospital re-admission rates and 61% shorter length of stay than those treated by other private consultants - Vitality Health and Claims Report 2023.
5 You're eligible for our child cash benefit as long as you've had your plan for 10 months.
6 A joining fee, terms and conditions apply.
7 Applies to the first £750 of each booking. Maximum of four bookings each plan year. Further terms and conditions apply.
8 Earn up to 10% cashback when your employees get healthier with Vitality. Cashback amounts is based on their average status – Bronze 0%, Silver 2.5%, Gold 5%, Platinum 10%. Earn cashback every time you renew your cover.
9 Annual saving based on a Vitality Plus member on Platinum status, and regular use of the weekly, 4-weekly and monthly Active Rewards, and a range of other partner benefits
10 Only the employee will receive a Vitality Healthcheck, all other adult members will need to pay £15 each.
11 10 Years of Britain’s Healthiest Workplace: The Changing face of the UK at work 2025
12 Based on in-hospital cost-per-claim for Vitality members recording 4 or more active days per week on average, compared to those with an average of 0. VitalityHealth claims data 2021 - 2024
13 Based on members who move from 0 to 21+ activity points a week throughout their lifetime, applied to standard UK mortality rates. Vitality study 2024
14 For eligible in-patient and day-patient treatment. Specialists must be on our approved list.
15 Employees with Vitality health insurance are 13% less likely to report low job satisfaction. 10 Years of Britain’s Healthiest Workplace: The Changing face of the UK at work 2025