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Small Business Health Insurance

  • 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

Whether you're self-employed, or a business with up to 249 employees - we can help your business perform at its best.

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What is small business health insurance?

Small business health insurance gives your employees access to private healthcare. It's perfect for sole traders - or if you're a small business with up to 249 employees.

With Vitality business health insurance, you can:

  • Support 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.

So, want health cover that boosts your business?

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Lower healthcare costs

28% lower healthcare costs for highly engaged employees1

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Less sick days

Up to 29% lower risk of hospitalisation for active members2

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Higher job satisfaction

Employees are 13% less likely to report low job satisfaction than those with other health insurers3

rewards

Top rewards and discounts

Enjoy discounts from day one. Earn rewards for healthy habits - like doing regular exercise.

1Vitality Health Data 2024
2Vitality health Claims Insights Report 2023
3Vitality and Britain's Healthiest Workplace 2024 data

Is a Vitality plan right for me?

Small business health insurance

1 - 249 employees

Be a great place to work by offering employee health insurance that improves health and wellbeing:

  • 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 employees’ morale - they can get healthier and save hundreds on top brands

Self-employed health insurance

Sole traders or self employed

Get back on track faster with our award-winning private health insurance for the 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 on top brands with our rewards and benefits

Want a quote for your business?

Get a quote online in 2 minutes. Or speak to the team on 0330 678 3325*

*Call centre opening hours: Monday-Friday, 9am-5pm. We will be closed on bank holidays.

Call charge information

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.

Award-winning cover for 1.7 million UK members

  • PMI (Group) Defaqto 5 Star rating. Category and year colour award icon.

What does small business health insurance cover?

Designed to give you easy access to improving health, productivity and wellbeing.

Video GP appointments

Book within 48 hours – subject to opening hours. And get referred for fast onward treatment.

Mental health support

Self-refer to Talking Therapies, regardless of their medical history. And get online support, like Headspace.

Cancer care and support

Get the latest treatment and technologies, as well as screenings and preventative treatment.

Digital care hub

Get the treatment you need in just a few clicks.

Rewards for healthy living

Enjoy weekly rewards, money off a gym membership, health checks and lots more.

Cover for family

Easily add family members to any plan, for even more peace of mind. Fees apply.

Tailor your cover

Add extra protection, like dental or travel insurance - whatever your business needs.

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How much does small business health insurance cost?

Our prices start from £26.91 per month, per employee a month*. Prices will vary depending on your cover 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 save money too:

  • Personal Health Fund – 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 Garmin.

*The above example is based on four employees (aged 20, 25, 30 and 35), living in a MK40 postcode, with a £100 excess and a two year rolling moratorium on pre-existing conditions. Treatment with Advanced Cancer Cover, Mental Health Cover and Full Therapies Cover plus our Consultant Select option. Costs are representative as of July 2024.

Get award-winning cover, easy

It's just a few steps. So you can get back to business.

health-insurance

Get a quote online

Find out how much a plan will cost. It only takes 2 minutes.

Star users

Sign up when you're ready

Give us a call on 0330 678 3325 or request a call. One of our advisers will help tailor your plan.

Video GP

Log in on your start date

Access and manage your plan online. Book healthcare and take steps towards better health.

Gift

Rewards & savings from day one

Enjoy your discounts and start building healthy habits to earn even more rewards.

Small business health insurance that rewards you with top brands

  • Apple Watch logo
  • Virgin Active logo
  • Champneys logo

FAQs on business health insurance

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