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Private Medical Insurance
Covers the cost of private medical treatment in times of illness, disease or injury.


What is Private Medical Insurance?
Providing your employees with access to affordable Private Medical Insurance means they can avoid the queues and access medical care promptly. With a faster diagnosis and a quicker turnaround on treatment, you can reduce their suffering and help them get back to work in a timely fashion. Less stress on them, less stress on their colleagues and less impact on your business.
Our Private Medical Insurance covers acute conditions, such as appendicitis, asthma attacks and broken bones. It is not designed to cover the cost of chronic, long-term conditions such as diabetes or arthritis.


How does Private Medical Insurance help?
Months-long waiting lists, packed-out waiting rooms and too-few medical staff. The pressures facing the NHS are well known and can have a very real impact on how quickly your employees can access medical help.
Not only does this lead to unnecessary suffering for them, but it can also significantly impact the workplace. Long staff absences put a strain on other colleagues, who have to pick up the slack. All of this means morale and productivity suffers. Left unchecked, this can have a negative effect on customers’ experience and potentially lead to dissatisfaction and loss of income.
faqs
How can we help?
We want you to have the simplest, easiest experience possible when choosing the right employee benefits. But we know you might have a few questions. Read on for more information here. If you still have questions, talk to us.
Why choose Private Medical Insurance?
Reduce sick leave
Get staff back to work faster
Flexible scheme
Different levels and packages of care are available
Attract staff
Attract and retain great talent
How does Private Medical Insurance work?
This scheme is wholly flexible and can be built to suit your needs. Choose from different levels of cover so that your team can get access to the therapies, cancer care, outpatient care and mental health support they require. You can also enhance your scheme by adding features such as dental care, optical care and worldwide travel insurance.
How do we help with Private Medical Insurance?
Through a thorough consultation process, our team of Client Success Managers help you choose the level of care and package of features that will best suit the needs of your team. Our colleagues are always on hand to support you throughout your scheme. Your employees can access all information about their scheme, and all their other employee benefits, through our Smart Hive app, meaning less work for you and more control for them.
Is private medical insurance a taxable benefit?
Yes. When an employer pays for private medical insurance as part of an employees benefits package , the HMRC regard it as a 'benefit in kind'. Each year the P11D collects details of the cost of these benefits in kind and the employee pays tax on this cost.

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