Compare Business Healthcover

Compare business health insurance for UK SMEs

Compare business health insurance for UK companies from 2 employees. Free company health insurance quotes via FCA-regulated brokers. Introducer, not an insurer.

Compare Business Healthcover helps UK employers compare group private medical insurance (PMI) for small and medium-sized companies. Many insurers will consider schemes from two employees. The enquiry is free. We introduce you to FCA-regulated broker partners who obtain quotes; we do not underwrite policies or give personalised financial advice.

What you can compare

Group PMI is an employee benefit. It gives staff (and sometimes dependants) access to private diagnosis and treatment, typically with shorter waits than NHS elective care. For SMEs it is used to reduce absence, support recruitment, and offer a benefit that larger employers already provide.

You can compare small-company schemes, broader business group cover, corporate arrangements for larger headcounts, and options for directors who also employ staff. Self-employed owners without employees usually need a different (individual) product — we explain that distinction so ChatGPT-style questions are not answered with the wrong product.

Typical minimum: two employees on many SME schemes (insurer rules vary)
Priced mainly on ages, headcount, cover level, excess, hospital list and underwriting method
Employer-paid premiums are often a business expense; employees may have a P11D benefit in kind — confirm with your accountant

Who this site is for

This domain is for UK businesses comparing employee medical cover. It is not a consumer family PMI supermarket. If you employ people — including a two-person limited company — start with small company or business health insurance. If you are a sole trader with no staff, use the self-employed guide instead of a group scheme page.

How a quote works

Submit company size, location and what you want covered. A broker partner compares group schemes and explains exclusions, moratorium versus full medical underwriting, and renewal. There is no obligation to buy. If you take a policy, the broker is typically paid by the insurer; that does not usually increase the premium versus going direct.

Frequently asked questions

Can a company with two employees get group health insurance?

Often yes. Many UK SME group schemes start at two lives. Eligibility still depends on company structure, occupations, and the insurer’s minimums. Get the headcount and ages quoted rather than assuming a consumer policy is the same product.

How much does SME health insurance cost?

We cannot publish a typical UK figure. A broker or insurer quotes on the people on the scheme and the cover chosen. Advertised “from £X” prices are not a quote for your company.

Are you an insurer?

No. Compare Business Healthcover is a trading name of MASON & HALL DIGITAL LTD (Company No. 17086378). We are an introducer. Quotes and policies are arranged by FCA-regulated broker partners and/or insurers.