Every UK health insurer offers a wide range of plans aimed at different business sizes and budgets.
At the top end of the market you’ll discover schemes brimming with innovative features and extensive coverage options.
In this blog post, we explore the following comprehensive health insurance policies and break down what they offer to corporate customers:
- Aviva Optimum
- Bupa Select/Balance
- Freedom Corporate Health Insurance
- Vitality Corporate Healthcare
- WPA Absolute Health
- International Company Health Insurance
If you require personalised health insurance quotes for your business, then contact our award-winning consultants. As an impartial broker, we’re dedicated to finding you the most competitive price points for your business. Call 01273 974419 or email us at [email protected].
What do premium health plans typically cover?
Many comprehensive health plans cover similar territory. Some of the most common features include coverage for:
Acute conditions
Short-term illnesses or injuries that respond quickly to treatment with expectation of a full recovery
Hospital charges and specialist fees
Providing cover for out-patient consultations and treatment, as well as specialists’ fees and hospital accommodation.
Treatment for musculoskeletal conditions
Offering treatment for back, neck, muscle or joint pains and issues.
Cancer cover
Coverage for cancer treatment – including radiotherapy and chemotherapy – on referral from a specialist.
Diagnostic tests
Such as pathology tests (including blood, urine, stool and mouth swabs), X-rays, CT scans and physiological tests such as ECGs to check heart health.
Increased choice
Plans typically offer a choice of consultant, hospital and date of treatment, giving employees more control over how they access treatments.
6 comprehensive health insurance policies for UK businesses
1. Aviva Optimum
Aviva is an international insurance provider that is headquartered in the UK. Its health insurance policies provide the standard out-patient cover and cancer care, and treatments for acute medical conditions.
Optimum is their comprehensive health insurance cover, designed to cover 250+ employees with quality medical treatment at the right time and place to suit your staff’s needs.
Optimum also includes:
- Full cover for cancer treatment
- Mental health pathways with end-to-end services based on clinical need, clinical expertise, and a range of treatment options
- Dental and optical
- Hospital upgrade options – made possible by Aviva’s extended hospital list
- Family and fertility benefit
- Gender identity benefit – specialist support, advice, treatment and NHS Gender Identity Clinic Assessment
- Neurodevelopment pathway
- Digital wellbeing support tools courtesy of MyAviva
- Ability to tailor the policy according to your business need
Is Aviva’s Optimum policy the right fit for your business? Contact us one of our expert consultants to find out. We’ll perform a full market review to ensure you find the best policy for your company. Call 01273 974419 or click the Get Quote button in the top right.
2. Bupa Select/Balance
Bupa is an international healthcare and insurance provider in the UK. Bupa offer the classic health insurance options including in-patient and day-patient treatments, as well as an option to incorporate full out-patient cover (services and treatments which do not require a hospital stay).
Bupa has two main types of comprehensive health insurance for UK companies:
Bupa Select:
There are three variations in this product range: Select Key, Select Enhance and Select Complete. Key features vary, but depending on the package can include:
- Health insurance cover for 250+ employees
- Hospital charges and accommodation refunds for Bupa Partnership Network hospital stays
- Extensive cancer cover for every stage of cancer treatment
- Mental health and wellbeing cover – up to 28 days of treatment
- Musculoskeletal services
- Costs for consultations, treatment, diagnostic tests
- Choice of underwriting options
- Access to between 300 and 600 medical facilities nationwide
- Menopause helpline
Bupa Balance:
- Health insurance cover for 300+ employees
- Fast access to core services
- Specific health checks, including breast, prostate and testicular screening
- Fast access to diagnosis and treatments
- Cover for chronic health conditions, enabling access to long-term support
- Quick unlimited appointments via a digital GP service
- 24/7 access to Anytime Healthline
- Access to Family Mental Healthline
- Access to Everyday Rewards
- Menopause helpline
3. Freedom Corporate Health Insurance
Freedom Health Insurance is a specialist health insurance company based in the UK. Freedom’s private health insurance covers in-patient and day-patient treatments, with various options for cancer cover.
Freedom’s comprehensive plan includes the following features:
- Full cover for in-patient and day-patient treatment
- Comprehensive cancer cover
- Mental health cover
- NHS Cash Benefit: limits £200 per night for in-patient and £100 per night for day-patient
- Home nursing: limits full refund for up to 13 weeks
- Private road ambulance: limits full refund
- Pregnancy complications cover
- Maternity Cash Benefit: limits £150 for each child
- MRI, CT, PET scans: limits full refund
- Generous family health deals
- Alternative treatments, including osteopathy, acupuncture and homeopathy
- Dental and optical coverage
4. Vitality Corporate Healthcare
Vitality is a London-based UK health insurance company. Vitality’s policies cover in-patient and day-patient care, with treatments for acute conditions and cancer care cover. For large businesses wanting to cover 100+ employees, Vitality offer an award-winning comprehensive plan that can be tailored to your needs.
Vitality’s enhanced cover includes:
- Vitality GP: access to private video consultation within 48 hours, direct referrals for onward treatment and practical wellness tips
- Mental health tools: including Vitality Healthy Mind where employees can earn points for engaging in mindfulness activities, eight sessions self-referred CBT and counselling through Talking Therapies, and access to online mental health partner, Togetherall
- Cancer care: biological therapies covered in full no monetary or time limits, 50% discount on targeted cancer screenings and risk assessments for bowel and cervical cancers
- Menopause support Peppy: a digital platform offering access to real-life menopause practitioners and online services dedicated to menopause support
- Vitality Care: specialist trained team of patient-centered professionals and care consultants
- Vitality Programmes: Providing employees with the tools to better understand their health risks and make positive adjustments to their lifestyle.
5. WPA Absolute Health
A not-for-profit health insurer, WPA is a trusted provider in the UK. They offer flexibility in their health and wellbeing plans, building schemes which can suit specific business needs.
WPA’s most comprehensive and detailed plan – Absolute Health – includes some of the below features:
- Health insurance for 150-1,000 employees
- Comprehensive core benefits
- Healthcare Pathways – faster diagnosis and treatment to avoid the need for an initial GP referral
- Extended Benefit Options: you can decide to add remote GP services, chronic condition treatment or Cash Plan style benefits (including prescription charges, and optical and dental treatments)
- Long-term chronic condition support
Discover whether WPA’s Absolute Health scheme is the right fit for your business by contacting our expert consultants. Our team will provide a personalised quote and compare against other providers with no obligation to use our services. Call 01273 974419 or email [email protected].
6. International Company Health insurance
If you’re seeking out the highest-end health insurance products for your staff or executive teams, then you have to consider International Company Health Insurance. These are umbrella schemes that essentially allow you to cover employees in multiple countries under a single policy but also provide more comprehensive features than you would find in a standard UK Group Health Insurance plan.
Services you can find on an international scheme, include:
- Accident & Emergency admissions
- Routine maintenance for chronic conditions
- Congenital and hereditary conditions
- Preventative wellness screening
- Travel vaccinations and child immunisations
- Emergency evacuation and repatriation
- Infertility investigations
- Dental
- 24/7 multi-lingual medical helpline
- Security advice and services
- Telemedicine / Virtual GP
As you can see, there are features here which are not available even in some of the most premium-level domestic policies. Engage Health Group’s international team can help advise on the setup and implementation of global health policies.
Need impartial help to find the right premium health policy?
The most comprehensive health insurance policies are also the most expensive, so it’s incredibly important that it functions exactly as you’d hope.
Our expert team at Engage Health Group are always happy to discuss your options. Our impartial consultants have expertise covering the UK domestic market and the wider international market for those UK companies with a global footprint.
Rather than funnel you to a preferred partner, we’ll gather a variety of quotes from across the whole market to ensure we deliver the best available policy to you. We’ll also support you throughout the life of your policy.
Contact us at [email protected] or call 01273 974419 for no-obligation advice and support.
