top of page
Using Mobile Phones

A list of Benefits to consider

Group health insurance plans in the UK can be customized to suit the specific needs of your employees. Here are some common options that you can build to your scheme or add to a group health insurance plan:

Core Cover

This is the starting block of your group cover.  This offers full inpatient treatment, hospitalisation, scans and inpatient diagnostics and is the basic level of cover.  This does not include specialist appointments. 

Alternative Therapies

This covers treatments such as acupuncture, chiropractic care, and osteopathy.

Optical Cover

Group health insurance plans in the UK may include optical cover, which can provide employees with coverage for routine eye exams, glasses, and contact lenses. This benefit can help employees maintain their vision health and reduce out-of-pocket expenses.

Full outpatient or limited cover

Outpatient cover is an optional benefit that can be added to a health insurance policy in the UK. This type of coverage provides reimbursement for medical consultations, diagnostic tests, and minor treatments that do not require an overnight stay in a hospital. 

Dental Cover

This covers routine dental care such as check-ups, cleanings, and fillings, as well as more complex procedures like root canals and crowns.

Employee Assistance Cover

This provides employees with access to confidential counseling and support for personal or work-related issues.

Mental Health Cover

This covers counseling, therapy, and other mental health services.

Maternity Cover

Not normally covered by any health insurance plan in the UK.  It is mainly covered by international plans. This covers prenatal care, labor and delivery, and postnatal care.  However, pregnancy complications may be covered on your domestic plan.

Hospital Choice

Group health insurance plans in the UK may offer hospital choice, allowing employees to choose from a list of approved hospitals for treatment.  This could be grouped into a choice of either Local, Countrywide not including some Central London Hospitals and Premium which includes all Hospitals including Central London.

Travel Insurance

This provides coverage for medical expenses incurred while traveling abroad.

24/7 GP Cover

Many health insurance plans in the UK now offer 24/7 digital GP services, providing patients with access to remote consultations and medical advice at any time of day. These services typically use secure video or messaging platforms to connect patients with qualified doctors and nurses, allowing them to discuss their symptoms, receive diagnoses, and even obtain prescriptions without leaving their homes. This can help patients to save time and avoid unnecessary trips to the doctor's office, while also improving access to medical care for those who may have difficulty accessing traditional in-person services.

Excess options

Group health insurance plans in the UK may offer different excess choices, allowing employers to select the amount that employees must pay towards their medical bills before the insurance coverage kicks in. A higher excess typically results in lower premiums, while a lower excess may result in higher premiums. Options start a £0, £100, £250, £500 and £1000

What Our Clients & Business Colleagues Say

Greg Blatt.jpg

Greg B, Business Consultant, Vitalty & Zurich


I’ve worked closely with Proactive Medical and Life over the last 15 years, as their business consultant representing several insurance companies, and found that they always seemed to be ahead of the kerb in terms of knowledge and expertise. I have seen first hand the transparency, understanding, approach, care and duty undertaken in providing the very best service to their clients and the way in which they strive to match their clients needs, which is what I have always found to be their key differentiator in the market. Highly Recommended!

bottom of page