Small business health insurance
- Get fast access to private medical insurance for you and your employees
- Get more value from your plan- reduce healthcare costs1 and earn money back
- Boost employee health and offer great savings and rewards for your team
Thinking about health cover for your SME?
Our small business plans are designed for sole traders and businesses with up to 249 employees.
Here, we'll give you what you need to make a choice (or make a pitch).
And show you why Vitality’s business health insurance is worth it.
What do you get with Vitality?
Start with private healthcare that’s built for small businesses - then add the health cover your team actually needs. No off-the-shelf cover here.
What's covered with business health insurance?
Start with convenient, flexible, private healthcare - designed to keep you and your business moving.
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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 too4 |
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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. Partner details correct as of June 2026. |
Now let's boost your cover
You can add more of what your business needs
- Optical, Dental and Hearing Cover
- Full cover for Talking Therapies with our Mental Health Cover
- Worldwide Travel Cover
- Cover for alternative therapies like acupuncture or osteopathy
- Boosted out-patient cover - appointments, consultations, and diagnostic tests outside of a hospital stay
Tailor your plan for your business
- Select a hospital option that suits you
- Choose from a wide range of consultants, including our top-rated specialists5
- 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). More info
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 your employees 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:
- Small 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 - if you're a limited company10, 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% cashback11 on your annual renewal premium
- Add a personal health fund to your plan. It's like a pot of money your employees can use to pay for things like eye tests and dental check-ups
- Save big with Vitality discounts and rewards. Members saved £241 on average through the Vitality Programme in 2025.12
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.
We only ask for a few quick details and give you a guide 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 added3 to our company healthcare plans.
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 mental health 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.13
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.15
One month free cover when your employees get active
- Buy a Vitality business health insurance plan between 1 July and 30 September 2026 and get one month free cover when your employees get active. T&Cs apply
To get one month free, get your employees on the plan to:
- Complete their Health Profile on the Vitality UK App, and
- Earn at least 12 activity points in the first three months of the plan. This is equivalent to achieving 7,000 steps on four separate days
Member participation required:
| Business size | 1 - 4 employees | 5 - 49 employees | 50+ employees |
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% of employees who need to get active and earn 12 activity points |
100% | 50% | 40% |
Vitality was always a no brainer.
Because ultimately healthy people are happy people and happy people are much more productive.
Providing top-rated cover to 2 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 Highly active Vitality members have 27% lower healthcare costs on average. Based on in-hospital cost-perclaim 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. VitalityHealth Claims Insights Report 2025.
2 Face-to-face private GP appointments are only available in selected UK locations, including Birmingham, Glasgow, London and Manchester (correct as of April 2026). Members with a business, or corporate healthcare plan can book two face-to-face private GP appointments each plan year. A £20 upfront payment applies. Members with the London Care hospital list 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 Out-patient surgeries must be carried out at an eligible hospital or consultant’s specialist consulting rooms.
5 In 2024, members treated by Premier Consultants had, on average, 41% lower likelihood of being readmitted to hospital after treatment. Compared to members treated by Non-premier Consultants. VitalityHealth Claims Insights Report 2025.
6 You're eligible for our child cash benefit as long as you've had your plan for 10 months.
7 A joining fee, terms and conditions apply.
8 Applies to the first £750 of each booking. Maximum of four bookings each plan year. Further terms and conditions apply.
9 Credit agreement, qualifying plans, T&Cs apply
10 Note that business health insurance may not be tax deductible for a sole trader/self-employed person. Please consult your accountant for specific advice.
11 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.
12 Representative across both VitalityHealth and VitalityLife, and this is based on members who utilised at least one discount or reward during the year. VitalityLife Claims and Shared Value Report 2026
13 Only the employee will receive a Vitality Healthcheck, all other adult members will need to pay £15 each.
14 Comparison of employee responses at employers with VitalityHealth insurance, and employers offering PMI through other insurers. 10 Years of Britain’s Healthiest Workplace: The Changing face of the UK at work 2025
15 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.
16 For eligible in-patient and day-patient treatment. Specialists must be on our approved list.
17 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.