Corporate health insurance
& healthcare schemes
Whole-of-market access to the UK's leading insurers and self-funded healthcare trusts. Built around your headcount, your risk and your budget — not whatever your incumbent broker happens to recommend.
- Insurance schemes and healthcare trusts compared side by side
- Whole-of-market — Bupa, AXA, Aviva, Vitality, WPA
- Defaqto 5 Star rated cover options highlighted
- Most schemes go live in 1–3 weeks
Get fast access to private medical care for your whole team
Corporate health insurance gives your team fast access to private medical care. This page explains what cover includes, how it lifts productivity, and how to choose between an insurance policy and a healthcare trust. As a whole-of-market broker, we compare corporate health insurance plans from Bupa, AXA, Aviva, Vitality and WPA to find the right fit for your company.
What is corporate health insurance?
Corporate health insurance is a private medical insurance (PMI) plan a company buys for its employees. It pays for private medical care, so staff get quick access to diagnosis and treatment — without long NHS waiting lists.
A typical corporate healthcare plan covers consultations, scans, surgery and aftercare. Many plans also include private GP services, dental care, mental health support and health assessments. The right policy is shaped around the size and needs of your organisation.
What does a corporate health insurance plan include?
Most corporate health insurance plans cover in-patient and day-patient care: hospital stays, scans and surgery. You can add out-patient cover for consultations, physio and diagnostic tests. Cover for cancer and mental health conditions is usually built in. Optional extras include dental care, optical cover, worldwide travel and a cash plan for everyday healthcare costs. Many insurers also bundle in wellness services, an employee assistance programme and online health and wellbeing tools.
In-patient & day-patient
Hospital stays, scans, surgery and specialist treatment — the core of every plan.
Out-patient & cancer cover
Consultations, physio, diagnostic tests — plus cover for cancer and mental health conditions usually built in.
Dental, optical & travel
Optional extras: dental care, optical cover, worldwide travel and a cash plan for everyday healthcare costs.
Wellness, EAP & tools
Many insurers bundle in wellness services, an employee assistance programme and online health and wellbeing tools.
How does corporate healthcare boost productivity?
Healthy staff take fewer sick days. Quick access to private medical care means employees get back to work faster. That has a clear impact on business productivity and output. Corporate healthcare also lifts employee engagement and job satisfaction. People who feel cared for stay longer. A strong corporate health insurance scheme is one of the best health and wellness benefits a company can offer its team.
Fewer sick days
Quick access to private medical care means employees get back to work faster — a clear lift to business productivity and output.
Engagement & retention
Corporate healthcare lifts employee engagement and job satisfaction. People who feel cared for stay longer.
A standout benefit
A strong corporate health insurance scheme is one of the best health and wellness benefits a company can offer.
Who is the right health insurance provider for our company?
The big four UK health insurance providers are Bupa, AXA, Aviva and Vitality. WPA also offers strong corporate healthcare solutions. Each insurer has its own hospital list, GP services and Defaqto rating. We weigh up the premium, cover and Defaqto scores to pick the right health insurance provider for your company.
Wide hospital access
Largest UK hospital network and the most-recognised brand — staff can be seen close to home almost anywhere.
Strong on mental health
Best-in-class mental health and therapy access — including direct routes that skip the GP referral.
Often best value
Frequently the keenest pricing on standard corporate plans, especially for younger workforces.
Rewards healthy living
Personal health fund, gym discounts and wearable rewards. Premiums fall the more your team engage.
Flexible corporate solutions
Highly modular — pick exactly the components your team needs. Strong on transparent pricing.
What is the difference between corporate health insurance and a healthcare trust?
A health insurance policy is a fixed contract with an insurer. You pay a premium, the insurer pays the claims. Insurance Premium Tax (IPT) is added to every premium. A healthcare trust works differently. The company self-funds medical benefits in a ring-fenced trust. There is no IPT — only VAT on the admin fee. A healthcare trust often suits larger firms with steady claims and gives more control over claims management. We can model both options for you.
Health insurance policy
A fixed contract with an insurer. Predictable cost, IPT applies.
- ✓Pay a premium, insurer pays the claims
- ✓Predictable monthly cost, capped exposure
- ✓Insurer handles all claims management
- ✓Insurance Premium Tax (IPT) added to every premium
- ✓Easiest route for SMEs and growing businesses
Healthcare trust
Self-funded, ring-fenced. Suits larger firms with steady claims.
- ✓Company self-funds medical benefits in a ring-fenced trust
- ✓No IPT — only VAT on the admin fee
- ✓More control over claims management
- ✓Often saves money for firms with predictable claims
- ✓Best fit for larger headcounts & mature schemes
Are health assessments included?
Many corporate health insurance plans include yearly health assessments or health checks. These spot health concerns and health risks early, before they grow into bigger problems. Staff get personalised advice based on the results.
Bupa runs health assessments at its own clinics, and many insurers fund check-ups at independent providers like Nuffield Health. Others link checks to digital health platforms. We can tailor the level of cover so health assessments fit the benefits provided and your budget.
How does cover support employee health and wellbeing?
Modern plans go beyond claims. They protect the health and wellbeing of your team day to day. That means private GP appointments, mental health support, physio, and access to wellness services. Employee health and wellbeing benefits also reach the family. Many policies let staff add a partner and children. Cover for both physical and mental health helps people stay well — at home and at work.
Day-to-day support
Private GP appointments, mental health support, physio and access to wellness services — not just claims when things go wrong.
Family cover
Many policies let staff add a partner and children. Wellbeing benefits reach the family, not just the employee.
Whole-person cover
Cover for both physical and mental health helps people stay well — at home and at work.
Is mental health support and an employee assistance programme included?
Most corporate health insurance plans now cover mental health conditions like anxiety, depression and stress. Some give direct access to therapy without a GP referral. Cover limits vary by insurer. An employee assistance programme (EAP) is often bundled in or sold as an add-on. An EAP gives 24/7 access to counselling, legal advice and money help. Together, mental health cover and an EAP make a strong support health package for your people.
Mental health cover
Most plans cover anxiety, depression and stress. Some insurers give direct access to therapy without a GP referral.
EAP — 24/7 access
An EAP gives 24/7 access to counselling, legal advice and money help — often bundled in or sold as an add-on.
A complete support package
Mental health cover and an EAP together make a strong support health package for your people.
How does corporate cover compare to NHS care?
The NHS is excellent for emergencies. But waiting lists for routine diagnosis and treatment can stretch into many months. That is bad for the patient — and bad for business productivity. Corporate health insurance gives fast access to private medical care: same-day GP appointments, quick scans, and shorter waiting times for surgery. It does not replace the NHS — it sits alongside it, so your team gets back to full health quickly.
NHS care — for emergencies
Excellent for emergencies and acute care. But waiting lists for routine diagnosis and treatment can stretch into many months — bad for the patient and bad for business productivity.
Corporate cover — alongside the NHS
Same-day private GP appointments, quick scans, and shorter waiting times for surgery. Sits alongside the NHS so your team gets back to full health quickly.
How do we tailor the right healthcare solutions for your business?
Every business is different. We listen first — your headcount, your budget, your health risks. Then we shop the whole market: Bupa, AXA, Aviva, Vitality, WPA and others. We compare premiums, Defaqto ratings and benefit options.
We can mix and match: a core insurance plan for hospital care, a cash plan for everyday costs, plus an EAP. Or model a healthcare trust if scale makes it worth it. The aim is the right corporate healthcare scheme — not the cheapest one.
The Montgomery corporate health promise
Whole-of-market quotes
Bupa, AXA, Aviva, Vitality and WPA — PMI and trust options compared side by side.
Defaqto 5 Star plans
We highlight the highest-rated cover on the market — transparent ratings, no hidden trade-offs.
PMI vs trust modelled
For larger schemes we model both routes side by side — including IPT and admin-fee impact.
One dedicated adviser
Charles personally handles every corporate enquiry. No call-centre handovers.
WhatsApp support
Real-time updates, claim help and renewal tweaks — no email tag, no phone trees.
Annual scheme reviews
We re-broke your cover every renewal. Better deal? You'll be the first to know.
Don't take our word for it
Key takeaways
Corporate health insurance gives staff fast access to private medical care.
Cover usually includes consultations, scans, surgery, mental health support and a private GP.
A healthcare trust is an alternative for larger firms — no IPT, more control over claims.
The main UK health insurance providers are Bupa, AXA, Aviva, Vitality and WPA.
Plans can be tailored with a cash plan, EAP, dental care and health assessments.
Premiums are a tax deductible business expense; staff pay tax on cover as a P11D benefit.
A whole-of-market broker compares premiums, cover and Defaqto ratings on your behalf.
Corporate health insurance, answered
Is corporate health insurance worth the cost?
For most firms, yes. The cost of a few days' lost productivity per employee usually outweighs the premium. It also helps keep good people in the business.
Is corporate health insurance tax deductible?
The premium is a tax deductible business expense. Each employee is taxed on the cover as a P11D benefit, and the company pays Class 1A National Insurance. Always consult your accountant.
What is a healthcare trust?
A healthcare trust is a self-funded scheme run by the company. There is no IPT — just VAT on the admin fee. It can save money for firms with steady claims, but takes more management.
Does the plan cover pre-existing conditions?
It depends on the underwriting. Moratorium cover excludes pre-existing conditions for two clear years. Medical History Disregarded covers them from day one but costs more.
Can family members be added?
Yes. Most corporate health insurance plans let employees add a partner and children. The company can fund this or staff can pay extra.
What is a Defaqto rating?
Defaqto is an independent rating service for insurance products. A 5 Star rating means the plan offers a high level of cover. We use Defaqto scores to compare insurance solutions fairly.
Does cover include dental care?
Dental care is usually a separate add-on or part of a cash plan. We will quote it as a bolt-on so the cost is clear.
How long does it take to set up cover?
Most schemes go live in 1–3 weeks. We handle the quotes, paperwork and staff onboarding for you.
Ready to compare schemes?
Book a 15-minute no-obligation call with Charles to compare corporate health insurance and healthcare trust options for your company.
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