Affordable small business employee benefits and health insurance
How we can help
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Group Private Medical Insurance (PMI)
Help your employees access healthcare when they need it.
✓ Medical treatment for acute conditions.
✓ Hospital treatment and specialist fees.
✓ Diagnostic test and scans (MRI, CT, x-ray)
✓ Cancer care
✓ Musculoskeletal (MSK) treatment.
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Group Life Insurance
Ensure families receive financial support with a clear death‑in‑service benefit.
✓ Tax-free lump sum on death in service.
✓ Benefits linked to salary (chosen by you).
✓ Automatic cover with minimal medical underwriting.
✓ Trust-based pay-out and support services for family members.
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Group Income Protection Insurance
Provide employees with a regular income if they’re unable to work due to illness or injury.
✓ Income replacement during long-term sickness.
✓ Deferred period to suit your sick pay policy.
✓ Long-term benefits payments.
✓ Rehabilitation and return-to-work support.
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Health Cash Plan
Provide employees with financial support for everyday healthcare expenses.
✓ Dental care.
✓ Optical care.
✓ Therapies and physiotherapy.
✓ GP and virtual healthcare access.
✓ Health MOTs and screenings.
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Dental Insurance
Support employee oral health with dental insurance cover.
✓ Routine check-ups.
✓ Basic dental treatment (fillings, extractions)
✓ Major dental treatment (crown, bridges, dentures).
✓ Emergency dental treatment.
✓ Cover available for one employee or more.
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Access to healthcare
Give access to some healthcare benefits without the cost of a full PMI policy:
✓ Digital GP services
✓ Mental health support
✓ MSK support
✓ Wellbeing resources
✓ Family cover options
✓ Dental and care (additional)
Why choose us
For small business benefits that matter, we provide access to private healthcare and business medical insurance that help boost employee health and reduce sickness absence. We help you design plans that support flexible working or flexible hours, that reflect your company values and promote employee loyalty.
Protect your team and boost your company culture with a comprehensive package of employee benefits designed to attract top talent and improve employee retention. Our tailored business health insurance plan and flexible solutions support workplace happiness and employee engagement for small companies.
Speak to a consultant
Save more with Elect
Elect is a cost-effective, all-in-one benefits solution designed exclusively for your business. With enhanced terms, competitive pricing, and added-value benefits, Elect delivers bespoke policies tailored to your people—giving you exceptional coverage without compromising your budget.
It includes:
- Private medical insurance
- Group Income Protection
- Group Life Insurance
- Pensions
And enjoys the same free enhancements such as:
- Optical, dental, and prescription charges.
- Employee Assistance Program (EAP).
- Virtual GP service
- Health assessments.
Relationship management is at the heart of Elect, and our advisers know there is no one-size-fits-all package. You’ll be assigned a dedicated relationship manager who will help you create an employee benefits program tailored to your requirements and objectives.
Get an Elect quote
What’s covered in a Group Private Medical Insurance policy?
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Treatment for acute conditions
Covers short‑term illnesses or injuries that are treatable and expected to lead to a full recovery. -
Hospital treatment and specialist feesIncludes private hospital charges for inpatient and day‑patient care, plus consultant, surgeon and anaesthetist fees.
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Diagnostic tests and scansCovers investigations such as MRI, CT and X‑ray scans, blood tests and other diagnostics needed to confirm a diagnosis.
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Cancer careTypically includes cancer diagnosis, treatment (such as surgery, chemotherapy and radiotherapy) and ongoing eligible care.
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Musculoskeletal (MSK) treatmentCovers common muscle, joint and back conditions, often including physiotherapy and related specialist treatment.
This means your team can focus on getting better without long wait times, helping to keep your business running smoothly and potentially avoiding some of those hidden costs associated with absentseeism and presenteeism.
Terms and conditions apply, please get in touch for more information.
What does a Group Life insurance policy cover?
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Tax‑free lump sum on death in serviceA payment to the employee’s nominated beneficiaries if they die while employed.
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Benefit linked to salaryCover is usually set as a multiple of salary (commonly 2x, 4x or more), chosen by the employer.
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Terminal illness benefitAn early payout if the employee is diagnosed with a terminal illness and meets policy criteria.
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Automatic cover with minimal medical underwritingMost employees are covered automatically up to a set limit, without needing to provide medical information.
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Trust‑based payout and family support servicesBenefits are typically paid via a trust for faster payment and inheritance tax efficiency, often alongside bereavement, legal or counselling support for families.
This helps give your team peace of mind, knowing their families are protected.
Terms and conditions apply, please get in touch for more information.
What’s covered under a Group Income Protection insurance policy?
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Income replacement during long term sicknessPays a proportion of an employee’s salary (usually around 50%–75%) if they’re unable to work due to illness or injury.
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Deferred period to suit your sick pay policyBenefits start after an agreed waiting period (commonly 8–52 weeks), designed to dovetail with employer sick pay.
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Long term benefit paymentsPayments continue until the employee returns to work, reaches the policy’s maximum benefit term, or retires.
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Rehabilitation and return to work supportIncludes early intervention, vocational rehabilitation and phased return‑to‑work support to help employees recover and get back to work sooner.
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Employer funded, tax efficient coverPremiums are paid by the employer and are usually tax‑deductible; benefits are paid via payroll and taxed like salary.
This helps your team focus on recovery without financial stress.
Terms and conditions apply, please get in touch for more information.
What’s included in a health cash plan?
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Dental and optical care
Money back towards routine dental check‑ups, treatments, eye tests, glasses and contact lenses. -
Everyday therapies and physiotherapyReimbursement for treatments such as physiotherapy, osteopathy, chiropractic care, acupuncture and sports massage.
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GP and virtual healthcare accessFast access to GP appointments, often including 24/7 virtual GP services for advice, prescriptions and referrals.
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Health MOTs and screeningsContributions towards health checks, screenings and wellbeing assessments to help spot issues early.
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Hospital, prescription and diagnostic cash benefitsCash payments towards prescription charges, hospital stays, scans or tests to help cover everyday healthcare costs.
This means you can provide employees with financial support for everyday healthcare expenses.
What does dental insurance cover?
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Routine dental careCovers check‑ups, examinations, scale and polish, and X‑rays. These are often covered straight away, sometimes with annual limits.
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Basic dental treatmentIncludes fillings, extractions and root canal treatment. A waiting period (commonly 3–6 months) may apply before you can claim.
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Major dental treatmentCovers more complex work such as crowns, bridges or dentures. This usually has a longer waiting period (often 6–12 months) and lower annual limits.
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Emergency dental treatmentProvides cover for urgent dental pain or accidents, sometimes available immediately to help manage unexpected costs.
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Annual benefit limits and excessesClaims are typically capped at an annual allowance, with set limits per treatment type and occasional excesses depending on the policy.
Coverage details and limits vary, so we help you find the right plan to fit your team’s needs and budget.
