Small business health insurance

Business health insurance isn’t just a perk — it’s a powerful tool for keeping your team happy, healthy and productive.   

Here’s why it’s worth it: 

• Healthcare without the hassle – employees can see a GP, book mental health support and more, without a referral. So they avoid those long waiting lists. 
• A draw for top talent – offering employee health insurance shows applicants and staff that you prioritise their health and mental wellbeing
• Tax-friendly – for sole traders and limited company directors, it can be a deductible business expense
• Flexible cover – you can customise your plan based on your company’s size, your employees’ needs and your budget

Vitality gives you extra value too: 

• No surprise bills – if your treatment is covered and your consultant is on our list, we’ll pay the full cost.¹⁵
• Help to build healthy habits — that means fewer sick days¹ and higher job satisfaction¹⁶
• Discounts from day one — like on spa breaks, fitness tech and more
• Money back every year — up to 10% cashback⁸ when your team gets healthier with our employee health insurance

The cost will depend on a few things, including: 

• Number of employees you want to cover
• Company location
• Employee ages and family status
• What benefits you select
• The underwriting type – which depends on whether you already have health insurance cover in place. 

You can get a quick quote for 1-249 employees.  And our team can help you build your plan to your budget.

Once you've received your guide price, our team can help you build your plan to your budget.

Already have a plan? If you’re switching to Vitality, we’ll match your current cover options as closely as possible - and aim to beat your renewal. We’ll give you the initial price – and then you can tailor your cover as you wish.

Want to get the ball rolling?  Call us on 0330 678 3325* or get a call back from us. 

*Call centre opening hours: Monday - Friday, 8.30am-5pm. 

If you want a claims-rated plan for a larger business (over 100+ employees), you can email us.

Or check out our Corporate Healthcare & Trusts options.  The actual cover (benefit options, excess, hospital coverage) can be tailored to suit the needs of your employees.

Limited companies can offset the costs of any premiums against their taxable profits for corporation tax. The company will need to pay Class 1A employers’ National Insurance contributions on these premiums.

As an employee or director of the limited company, you’ll still be subject to paying income tax on the cost of your premium. So, if you don't employ anyone other than yourself, you may want to weigh up whether it’s more cost-effective to take out a business plan or a personal plan. An accountant or tax adviser will be able to help you.

Sole traders can also set up a business health insurance policy just for themselves. However, the premium may not be tax deductible.  You’ll need to consult your accountant or tax adviser for specific guidance.

 You can buy small business health insurance directly from Vitality.  Just get a quote online – it takes 2 minutes. 

Then, we’ll guide you every step of the way: 

1. Tailor your cover for your small business 

Our expert advisers will help you build a plan that suits your business size, budget and team needs. 

2. Get set up and ready for your benefits

We’ll set up your business health insurance and give you and your employees access to your benefits straight away. 

3. Manage your healthcare in one place

You can view your cover, make claims and access services online — all in one place. 

4. Boost employee wellbeing

Help your team build healthy habits and enjoy discounts and rewards on the Vitality UK app.

Yes — with Vitality small business health insurance, you can choose to include cover for your employees’ partners and children. 

When you set up your plan: 

• Our expert advisers will help you tailor your business health insurance to include family members.
• Employees can manage their cover and access services for their dependants all in one place

 Every time you renew your small business health insurance, we’ll reward your business with up to 10% of your annual premium in money back.

To earn this, all you need to do is encourage your employees to engage with Vitality’s healthy living programme to improve their health.

When your employees get active and make healthy choices with our programme, they earn points.

These points contribute to their Vitality status which starts at Bronze and can be improved to Silver, Gold, Platinum. 

We award cashback based on the average status your employees have achieved by the end of the plan year.

Bronze = 0%
Silver = 2.5%
Gold = 5%
Platinum = 10%