Group Private Medical Insurance
Consider private healthcare as part of your employee benefits. Explore a scheme that reflects your team, your budget and the level of cover you want to offer.
Opens WhatsApp with IM-Insured on +44 7367 195658. Start a no-obligation conversation about your cover.
What is Group Private Medical Insurance?
Group Private Medical Insurance is health cover arranged by an employer for eligible employees. It helps meet the cost of covered private treatment under the scheme’s benefit limits, medical underwriting and provider rules.
Who is it for?
Employers considering healthcare benefits for their workforce. Schemes can differ by group size, employee eligibility and whether dependants can join.
A scheme should work for the people using it
The practical design of Group PMI matters as much as the headline benefit. Consider how employees join, what costs they may face and how they find eligible care.
- Eligibility: who is covered, and can dependants join?
- Benefit design: what treatment, limits and excess apply?
- Administration: how will changes to the workforce be managed?
What to consider
Depending on the plan, benefits may include hospital treatment, specialist consultations, diagnostic tests and cancer care. Therapies, mental health support, digital GP access or other services may be included or available as options.
Choose a consistent benefit
Decide who can join, the cover level and the costs employees may need to meet, such as an excess.
Compare medical underwriting
The treatment of medical history varies by scheme and insurer. Do not assume existing conditions are covered.
Understand the network
Check recognised hospitals, consultants and any guided treatment pathway.
Review additional services
Healthcare support services and full medical insurance are different. Compare the policy benefits rather than relying on a headline price.
Why consider this cover?
Health cover can support an employee benefits package by offering another route to eligible treatment. It cannot guarantee shorter absence or a specific recovery outcome.
Before you decide
- Check employee and dependant eligibility and joining dates.
- Understand exclusions, excesses and benefit limits.
- Explain how staff obtain authorisation before treatment.
- Review renewal terms, scheme administration and relevant tax reporting with your advisers.
How IM-Insured can help
IM-Insured can discuss your team size, benefit priorities and budget, then explain available options. Start the conversation on WhatsApp; detailed information can be gathered through the appropriate process.
Continue on WhatsApp: +44 7367 195658. Your enquiry does not commit you to a policy.
