Build a happier, healthier workforce with the right health services
Your employees are your greatest asset. That’s why we’ve designed business health insurance solutions that help you protect them.
We built our solutions on real conversations with businesses like yours, so we understand what healthcare support you need. Whether you’re a small startup or a bustling 500+ business, we know your insurance needs are unique to your business.
From diagnostic tests to mental health support, our options give you extensive, flexible cover with lots of ways to shape it around what your employees need. So, when the unexpected or unthinkable happens, you’re protected. And with our help, your people get the support they need, and you get to see them back to work – healthier, happier, and faster.
Looking to cover 1-249 employees?
Looking to cover 1-249 employees? Our private medical insurance includes everything from consultations with specialists to full cancer cover and mental health treatment. And that’s just the core cover – you can add or remove options to build a policy that fits your business.
Looking to cover 250+ employees?
For larger businesses, we offer a bespoke, flexible solution for your private medical insurance. That means you get to tailor your policy around your needs, choosing the benefits that suit your employees.
Health solutions that take care of your employees’ wellbeing
Whether you run a small or large business, when you choose us for your business health insurance, you get access to a range of wellbeing services to support your employees.
From helping them build healthier habits to supporting them through times of stress, our non-contractual wellbeing services help your people live life to the fullest. And help you build a happier, healthier, more productive workforce.
Head over to the Solutions (1-249 employees) or Optimum (250+ employees) health insurance pages to find out more about the non-contractual wellbeing services available with each product.
Quick links if you need something else
Make a claim or find help and support using the links here.
Why choose Aviva for your business health insurance?
Our Group financial strength and performance
Aviva’s strong financial stability and ability to pay obligations to policyholders has been recognised by global credit rating agencies, including S&P, Moody's and AM Best, who have independently assigned investment grade financial strength ratings (AA- / Aa3 / A+) to rated entities.
Defaqto 5 Star Rating
A Defaqto 5 Star Rating applies to our PMI (Group) products, meaning we provide some of the highest quality offerings on the market.
Clinical excellence is in our DNA
We employ clinicians whose clinical expertise informs every aspect of our work. From pricing products to monitoring our claims process and managing our relationships with healthcare providers, it’s their clinical knowledge that helps to shape our products and services.
Getting your people back to work, better
Whether you’re looking at Solutions or Optimum, you can get access to Back-to-Better, a management service for back, neck, muscle or joint pain. With just a call to our customer service helpline, your employees can get referred to one of our third-party clinical providers without needing to see a GP first. We'll help guide them down the right treatment pathway and we'll pay for physiotherapy (as recommended) when they need it.
Answering your questions
We know there’s a lot to understand about business health insurance before you can make a decision. Below, you can find answers to some of the most common questions we get about it.
What is business health insurance?
Getting business health insurance is just like getting private health insurance, except instead of covering just you, it covers your employees too. They can claim on that insurance if they need to. It means your employees get access to a range of medical cover, which can vary depending on the business health insurance policy you choose.
Why do you need business health insurance?
Having good health cover can not only be an enticing benefit for candidates thinking of joining you, it can also be a great boost to your business. That’s because private healthcare can help your employees take care of their health, so they’re less likely to need to take sick leave. It can also help support their return to work if they have been away.
Private medical healthcare is usually quicker and easier, too. With video consultations and lower waiting times, your people can get the help they need sooner and even get back to work quicker.
How do you choose the right option for your business?
To start with, you need to think about how many employees you have and what your budget is. Your budget will help you decide a lot of key questions, including:
- how much cover you want to offer your employees
- the amount they need to pay in (usually referred to as the excess)
- whether you want to give them the option of adding their family members to their policy
- if you can add any extras, like gym memberships
What do you need to apply?
If you’ve chosen your plan, get in touch to apply either online or over the phone. We’ll ask you for some details about your business, so keep any information you might need to hand. Then, we’ll work with you to shape your offer, helping you to choose what’s included and adding or removing any extras, and give you a quote for your business health insurance.
Find extra layers of business support
Building additional services on top of your business health insurance can provide a fuller, more rounded package, both for you and your employees. Here’s how else we could support you.
Workplace pensions
Whether you’re a new company employing staff for the first time or you’re looking to switch providers, our workplace pension options are suitable for most types of businesses.
Group protection
Protecting your people. Life insurance, critical illness cover, and income protection solutions to support your workforce through life’s uncertainties
Business insurance
Find out how we can help arrange the cover you need for your business, including your vehicles, your premises, and your liability.
Bulk purchase annuities
Defined benefit scheme trustees can look ahead with confidence, by harnessing our specialist expertise to reduce or fully remove your liability.
Financial advice for employees
Discover how Aviva Financial Advice can help your employees understand their financial needs and plan for the future.
Employees' wellbeing
Our products come with access to non-contractual benefits, like apps, financial advice, and other resources – such as support with mental health or healthier lifestyle choices.