About Drewberry Insurance
Drewberry Insurance services are rated 4.9 / 5 based on 137 client reviews
Our Insurers - Aviva, LV, Friends Life, PruProtect, Ageas Bright Grey, Scottish Provident, Legal & General, Exeter Family Friendly
Employee Benefits Quote
  • Business Health Insurance

    Protecting your company's most important asset...

    Business Health Insurance provides your employees with access to private healthcare bypassing NHS waiting lists.
    Employees receive treatment when they need it most ensuring they are back on their feet as soon as possible.
    A highly valued benefit helping you to recruit and retain the best people whilst reducing employee absenteeism.
    21% of people have suffered long term ill health during their working life. Met Life 2012
    Speak to our expert independent advisers and compare all of the UK's leading group health insurers.
  • What does Company
    Medical Insurance cover?

    Private Health Insurance pays for healthcare treatment in private medical facilities. The scope of the cover provided varies considerably depending on the options you select.

    Core Cover

    Most plans will cover inpatient treatment in full which means that your employees would be covered for treatment, testing and consultations where a hospital bed is required either overnight or just for the day.

    Outpatient Treatment

    In order to be covered for initial consultations and diagnostic testing where a hospital bed is not required then some level of outpatient cover will need to be selected. This is recommended to avoid NHS outpatient waiting lists.

    Business Medical Insurance Options
  • How does Business
    Medical Insurance work?

    The level of cover and type of treatment required will determine the exact process but the main variation depends on whether the policy includes outpatient cover.

    No Outpatient Cover

    Company Private Health Insurance No Outpatient Process

    With Outpatient Cover

    Company Medical Insurance Outpatient Process

    Naturally, holding a policy with no outpatient cover does run the risk of an employee having to go through the NHS outpatient waiting list for testing and initial consultations.

    NHS Patient Waiting Times
  • Your Key
    Policy Options

    Outpatient cover

    Although the level of outpatient cover makes a sizable difference to the premiums it does ensure that the initial consultations and testing can be done privately.

    Tip: It is very common for organisations to include at least some level of outpatient cover as it allows the speediest access to diagnosis and treatment.

    Therapies Cover

    It is common for plans to cover therapies up to the outpatient limit with GP referred therapies being an additional option with some providers.

    Tip: Some organisations place an excess on the policy (such as £100) which the employee would have to pay themselves to discourage frivolous claims.

    Private Treatment Prices
  • Our Delivery

    Being Independent Insurance Advisers we pride ourselves on being the experts, knowing every insurance product we offer inside out and back to front. Here's how we work -

    The Fact Find:
    We will talk you through the options available and capture vital information about the employees to be covered.

    The Research:
    We go out to all leading private medical insurers to gain the most competitive options available.

    The Report:
    We email you a short report with pricing and insurer recommendations for the various options we've discussed. When you are happy to go ahead in many cases we are able to complete the application for you over the phone.

    Insurance Experts
Unbiased Insurance Advice
verisign seal
Insurance Providers

Useful Tools

Group Insurance Infographic
Shareholder Life Expectancy Calculator
Get Group Insurance Quote
Group Insurance Question and Answer


What is company health insurance?

Are you a looking to implement a company health insurance plan for your employess? There is always so much to consider whether it is setting up a scheme for the first time or reviewing an existing business health insurance plan.

This guide lays out some of the key points to consider such as the cost, who you wish to cover and how much cover you wish to provide.

What will the policy cover?

First and foremost you should have a budget in mind, with a budget set you can get an idea of the level of health cover that is available.

Whether it is a basic business health plan covering treatment where a stay in hospital is required or a more comprehensive company plan which in addition covers outpatient treatment such as diagnostic tests and consultations.

Basic health cover

A basic private medical plan will provide employees with cover to receive treatment privately should they need a stay in hospital either as an inpatient or daypatient. With such cover any outpatient treatment such as diagnostic tests and consultations where a stay in hospital is not required would still have to take place via the NHS.

Mid-range business health insurance

Mid range medical cover like a basic plan will provide cover for inpatient treatment in full, in addition the company health plan will provide a level of outpatient treatment for diagnostic tests and consultations.

The level of outpatient treatment often has a monetary cap of around £1,000 per policy year.

Comprehensive company health insurance

A comprehensive medical scheme will provide employees with both full inpatient and full outpatient cover, there is no monetary cap set on the outpatient treatment.

In addition comprehensive health cover often has a level of cover for alternative medicines such as osteopathy and a level of both inpatient and outpatient psychiatric treatment.

Other variable to consider can also depend on the size of the scheme you wish to set-up including how the business health insurance plan is priced and medically underwritten.

Medical underwriting

There are three ways in which a company health insurance scheme can be underwritten depending on the number of employees on the plan.

Full Medical Underwiting (FMU)

A business medical insurance plan which is fully medically underwritten means each and every member of the scheme will have to declare their medical history.

As a new employee/group member joins the scheme they will have to fill out an application form which includes a section to provide details of any medical conditions, these conditions will then be excluded from the cover. These option is available on all sizes of scheme given the nature of the underwriting.


The option removes some of the administration encountered with a fully medically underwritten scheme. Moratorium underwriting simply means that a condition will be excluded from the policy coverage should you have suffered from the condition in the past 5 years.

The moratorium underwriting allows for pre-existing conditions to be covered should you have not suffered from the condition during your first two years on the business health plan. Again similar to FMU schemes this option is available no matter how many individuals are on the plan.

Medical History Disregarded

The final option is only available for larger groups, often there has to be a minimum of at least 20 scheme members.

As this option states any medical history is disregarded and all individuals are covered on the plan for existing acute conditions.

Other scheme options


An excess is the proportion of a claim that has to be met by the insured. Should an employee need to claim on the policy they would need to pay the excess towards the treatment. An excess can often range from as little as £50 up to £500.

The higher the excess the greater the discount on the premiums as the greater a proportion of the cost lies with the insured party.

Alternative Medicines

Often treated as an additional extra on a business health insurance policy the alternative medicines option covers treatment such as physiotherapy, osteopathy and homeopathy.

The level of treatment is often capped at a monetary limit of say £1,000 per policy year and will often add 5-10% to the business health insurance premiums.

Psychiatric Treatment

Psychiatric cover is sometimes provided on as a standard by the insurer but in many cases it is an option that must be selected. This option covers both inpatient and outpatient therapies such as Cognitive Behavioural Therapy. Selecting this option will again add roughly an additional 7% to the cost of the cover.

Further information

This guide will give you a brief overview of the type of decisions you will need to make when considering a business medical insurance plan.

In addition you will need to consider the type of plan that best fits your employees, some health policies now offer a more proactive approach towards the members health by rewarding them for healthy living and exercise. Other plans are suited for organisations with an older workforce.

Whatever you choose we are here to help, whether it is advising you on the most suitable product or the ongoing administration we are here to make your group insurance policies simple and affordable.

Client Reviews
07/03/2015  L Sexton

Robert Was Fantastic!
From my initial enquiry right up until the policies were confirmed he was extremely informative and knowledgable. Their processes were simple and the team were happy to fit the applications around my long working hours.....

05/03/2015  H Curtis

Friendly and Helpful Staff
Very friendly, helpful service. Matt had a good knowledge of the Insurance products that were available to me and did his best to find a good price within my budget. Thanks :)...

04/03/2015  J Bilby

Great Service All Round.
Rauri really helped me through a long, complex process getting both income protection and life insurance. I've greatly appreciated his advice, knowledge and patience at all stages....

Publisher: Drewberry

Frequently asked group insurance questions

We are a small company who are considering implementing a company medical insurance plan and wanted to get an idea of how much it is likely to cost? We have 19 employees and would like to provide them all with cover if possible?
1. You Come First
We are a client focused business who always aim to put you first.
2. We are Experts
To provide you with the best advice, we need to know our stuff!
3. We are Human
We are real people with feelings who are here to help you.
4. We are truly Independent
We believe the best advice has to be completely unbiased.
5. We are here to Educate
We are here to educate you so you can make informed decisions.

We would love to hear from you, whether you are enquiring about our services, a career, or a business partnership.

Our Locations
London Office
Corporate Advice
  020 8432 7333
Brighton Office
Personal Advice
  01273 646 484
Protection Insurance Survey 2015
February 7, 2015
Welcome to the 2015 Drewberry™ Protection Insurance Survey. The purpose of …

Spain is taken to court for refusing the European Health Insurance Card (EHIC)
July 30, 2013
Within the European Union the European Health Insurance Card (EHIC) allows …

By 2020, Half of us will get cancer during our lifetime.
July 29, 2013
Macmillan cancer support has recently announced that the number of cancer …

Published by Andrew Jenkinson
Protection Review Awards
Financial Services Authority