skip to Main Content

Yes! Small teams CAN access Group Health Insurance…

Yes! Small Teams CAN Access Group Health Insurance…

When it comes to health insurance, small businesses can be put off by the corporate-centric attitude the industry has been known for in the past. It’s easy to understand how this came to be: the bigger companies have the bigger budgets and the bigger revenue streams for insurers and brokers alike. So, everyone flocks to them!

But things are changing and these days teams consisting of just two to 10 people can find a good health insurance policy.

In this blog, we’ve outlined what’s available for these small businesses, list a handful of top providers we work with, and suggest some cheaper alternatives to get your employee health and wellbeing journey started.

Looking for advice on how to best support the health and wellbeing of your small team? Get in touch with our award-winning brokers on 01273 222805 or email [email protected].


What can small businesses get from a health insurance plan?

Most providers will offer the following services in a Group Health Insurance plan:

  • In-patient treatment: treatments which require an overnight stay
  • Out-patient treatment: treatments which do not require an overnight stay or bed
  • Physiotherapy, osteopathy, chiropractic treatment
  • Mental health support services
  • Access to specialist consultants
  • Diagnostic tests
  • Free prescriptions
  • 24/7 GP services
  • Digital health apps
  • Further mental health cover
  • A range of private hospitals
  • Dental/Optical
  • Second medical opinion

The more services you include in a health plan, the more it will cost. This means you can scour the range of options that an insurer offers, and select the one which best suits your budget. Exactly what you get – and at what price – depends purely on the provider and the package you opt for.

Below we have listed some of the top providers each offering their own dedicated small business health insurance policy:

Click here to discover in more detail what the above providers are offering!

Would you like one-to-one advice and support from a friendly expert? You can ask our dependable team all the questions you ever wanted to ask about Business Health Insurance. We offer FREE advice and will search the whole market to pull out the most competitive price points and terms especially for your business. Call our award-winning team on 01273 222805 or email [email protected].

Are there any cheaper alternatives to health insurance?

If health insurance is still too expensive for your business, there are alternative ways of supporting the health and wellbeing of your team.

The following plans are available at a lower cost than Group Health Insurance:

Group Income Protection:

Provides sick pay to employees above and beyond the statutory requirement as well as providing practical support to help staff get back to work quickly. Read our guide to Group Income Protection.

Critical Illness Cover:

This policy is designed for staff suffering with a critical illness – providing financial support to deal with the inevitable loss of income. It’s often accompanied by an EAP, so they can get support with the emotional fallout from the diagnosis. Read all about Critical Illness Cover.

Health Cash Plan:

A form of health insurance which provides coverage for everyday health needs rather than more serious problems. It includes things like: physiotherapy, osteopathy, acupuncture, dental care, eyecare, health checks/scans, prescriptions, hearing aids and more. Read our Business Health Cash Plan guide.

Employee Assistance Programme (EAP):

Often included with a health insurance scheme, EAP’s can also be purchased separately. It provides emotional and mental health support through a combination of online tools and one-to-one counselling services. Read our guide to EAPs.

Dental care/optical coverage:

These are usually packaged with Cash Plans and private health schemes, but can also be purchased separately. The beauty is that any staff member can benefit from dental and optical care.


What’s the best next step?

You can always take the leap and start undergoing your own research into the different providers and packages – if you haven’t already. However, it’s worth considering getting a helping hand… Especially if it’s free of charge!

For many the world of health insurance can be an uphill battle: confusing policy terms and price points are the norm. But a good broker like Hooray, will work on your behalf and cut through to the practicalities of the different policies on the market – and ensure that you achieve the best possible value for money.

Our team offers FREE advice to start-ups and SMEs looking to launch their employee benefits or review existing schemes. Rather than getting bogged down in the small print, we can provide straightforward answers to any question you might have. Our experts will take the time to understand the needs of your business before locating the right policies for you and your team.

Should you make a purchase, we’ll always be on-hand should you have any further questions about your policy.

Contact us at [email protected] or call 01273 222805 for FREE no-obligation advice and support.

Back To Top