Private medical insurance for 2-249 employees

Increase your cover

Increase your cover with these options

• Dental and optical
  Cover for routine dental treatment, treatment for accidental dental injuries and optical expenses, each up to a specific limit.
• Mental health treatment
  Cover in-patient or day-patient psychiatric treatment, up to a combined limit of either 28 or 45 days, if an employee is diagnosed with an acute psychiatric condition.
• Routine and GP referred services
  Includes consultations and diagnostic tests with a specialist for chronic conditions, GP referred radiology, pathology for non-musculoskeletal conditions and GP referred therapies for non-musculoskeletal conditions - up to £1,000 in combined total for each member, every policy year.
• Upgrade your hospital list
  You can choose to upgrade to our Extended Hospital List - increasing the number of hospitals you're able to use, predominately in the Greater London area.  See our hospital list PDF (423KB).

Reduce your cover

Make your cover more affordable with these policy options

• Six week option
  Reduce your premium by choosing to use the NHS for in-patient or day-patient treatment if it's available on the NHS within 6 weeks. Your employees will still be covered for private out-patient treatment, but private in-patient or day-patient treatment will only be covered if NHS treatment isn't available within 6 weeks.
• Policy excess
  Reduce your premium by choosing a £50, £100, £150, £200, £250 or £500 member excess.
  We apply the excess once, for each member, every policy year, regardless of the number of claims made during that policy year.
• Selected benefit reduction
  This option removes benefit for:
  * limited emergency overseas cover
  * treatment for complications of pregnancy and childbirth
  * investigations into the causes of infertility, and
  * surgical procedures on the teeth performed in a hospital.
  
• Reduce your out-patient cover
  Limit out-patient cover to £0, £1,000 or £1,500 for each member every policy year.
  With this option, we still provide cover in full for CT, MRI and PET scans at a diagnostic centre that we recognise, radiotherapy and chemotherapy, and physiotherapy for pain in the back, neck, muscles or joints (musculoskeletal conditions) through BacktoBetter. The monetary limit doesn't apply to out-patient cancer treatment received after a cancer diagnosis.  In addition, we'll also cover any costs for pre-admission tests required within 14 days of admission to check that your members are fit to undergo surgery and anaesthesia.