What is an employee benefit scheme?

Employee benefit schemes include things such as medical cash plans that you offer to your staff as a benefit.

You can choose to pay for them outright. Or you can act as the bridge between a certain scheme and your staff, where you make it available to them but they pay the cost. Many schemes carry significant discounts, particularly when there’s a large number of staff involved.

Either way, an employee benefit scheme should be an important consideration for any business.

Why implement an employee benefit scheme?

Help to attract and retain talented people

Prove you care about the health and wellbeing of your staff
Help to keep your workforce healthy and motivated which can increase productivity
Keep your employees happy leading to increased loyalty and reduced staff turnover
Lower absenteeism and protect your bottom line

How much does an employee benefit scheme cost?

The cost of implementing an employee benefit scheme can vary depending on the size of your business and the type of scheme you offer.

Factors such as the age of your workforce can affect premiums, as well as the level of cover you choose to provide your staff with.

Group schemes often carry a generous discount, and you could benefit from significantly reduced premiums depending on the scheme you choose and the size of your workforce.

Schemes for all business sizes

Small Business

We have a range of plans ideal for family-run or small businesses, all of which are effective in protecting your staff.

Employee benefit schemes offer greater protection to smaller businesses than larger ones. Why? Simply because there’s a lot more risk to your business losing revenue or productivity if your staff can’t work. If your business can’t run, it doesn’t generate revenue, which means you don’t earn an income.

We can set up a scheme that protects you against these unwanted interruptions, and we can tailor it to suit your business.

Small Medium Enterprise

Larger than a small business, but not quite the size of a large organisation? We can tailor a plan that’s the right fit for your business.

You know your staff are one of, if not your most important asset. And since you’re a medium-sized business, it’s crucial you look after them, particularly if you’re looking to expand and develop your business in the future.

You can offer an employee benefit scheme - such as a medical cash plan - to help motivate your staff, boost their productivity, and ultimately protect your bottom line.

What’s more, an employee benefit scheme can be a lot more affordable than offering costly pay rises. We can tailor one, or a combination of the schemes below to suit your business.


Our schemes don’t just help you motivate and retain staff. Many carry generous group discounts, particularly for larger corporate groups.

Today’s workers expect large businesses to offer employee benefit schemes. We can help you meet their expectations.

Whichever scheme you choose, you’ll take a smart step towards attracting future talent to your business, and retaining your current workforce.

Discover the range of employee benefit schemes we offer


Personal Accident Plan

What is group personal accident insurance?
You already ensure health and safety standards are upheld at your business. But accidents don’t care about rules or regulations. They can happen to anyone, anywhere. That’s where our Personal Accident Plan helps to ease the pain and inconvenience by paying your employees a lump sum benefit if they suffer a specified injury – whether at work or at home.

Why offer group personal accident insurance?
You never want a member of staff to suffer a serious accident – whether it’s on your premises or outside of work. But the reality is they can happen to anyone. It’s likely your employee will need to take some time off work to recover, which could have a serious effect on their earnings. You can help to ease the pain by offering them personal accident insurance as a benefit. Of course, you’d hope they never have to use it. So what you’re really providing them with is peace of mind. And knowing you care about their wellbeing could significantly boost their motivation, productivity, and loyalty to your business.

How much does group personal accident insurance cost?
You can offer your employees a personal accident plan from as little as 20p per employee per day*. We provide two plans – Premier and Premier Plus – offering up to £200,000 of benefits. *Based on individual bronze cover on our Premier Plan.

Get a personal accident insurance scheme tailored to your business
The best thing about our personal accident insurance is that there are no excluded occupations. So whatever the industry or business sector you work in – we can create a scheme exclusively for your business.


Medical Cash Plan

What is a group medical cash plan?
Our Medical Cash Plan provides your employees with cash benefits to cover the cost of their routine medical expenses, such as trips to the dentist, optician or physiotherapist. It’s a low-cost benefit that helps your employees look after their health as well as their bank balance.

Why offer a group medical cash plan?
Your employees play a crucial role in the success of your business. Of course, you already know this. But are you doing enough to motivate them and make them feel valued? That’s where our Medical Cash Plan can help. Your employees will appreciate a benefit that helps them cover the cost of their routine healthcare. They’ll regard you as an employer that cares about their health and wellbeing, and could become more productive and loyal to your business as a result.

How much does a group medical cash plan cost?
You can benefit from generous discounts with our Medical Cash Plan. Cover starts from just £1.29* per employee per week. You can choose to offer the scheme as a company-paid benefit, where you pay for the cost outright. Or you can offer the scheme to your staff but deduct the cost from their wages. They’ll still benefit from discounted premiums. *Based on a company-paid scheme with 10+ members choosing £5.60 bronze individual cover.

Get a group medical cash plan scheme tailored to your business
Whether you’re looking for a new scheme, or you want to review your current one and find a better deal – get in touch today.