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At General & Medical, we cater for everybody and that’s why we offer flexibility within our business health insurance policies. To help meet your budget, you can:

  • Choose a lower level of cover i.e. choose Module 1 instead of Module 2.
  • Restrict your hospital choices i.e. choose First Choice only instead of Premium.
  • Add an excess to your scheme.

Business Health Insurance Policy Excess

An excess is an amount agreed in advance that each member of your scheme pays towards the cost of a claim. For example, if you choose a £250 excess per claim and treatment for one eligible claim costs £5,000, the member would pay the first £250 and we would pay the rest.

You can add an excess of £75, £100, £150, £200, £250, £500, £1000, £2000 or £3000. At the start of the scheme, you choose whether the excess applies once per policy year or to each claim. If you choose an excess per policy year and treatment for an eligible claim carries on into the next policy year, another excess will apply.

Remember - the higher the excess, the lower your monthly payments. For example, even an excess of £250 per claim could reduce your monthly payments by 20%!

The important thing is to choose a level of excess that is both affordable for members and which helps you control the cost of the scheme to meet your budget.

Choice of Cover Modules, Options and Upgrades

Our policies can be adapted to suit your needs and budget. You have the option to select what hospitals you have access to and what your excess is. You can also decide on whether you would like to disclose your medical history and add cover for pre-existing conditions.

View all Cover Options

Business Healthcare Quotes

To find out more information or request a quotation, please contact our sales team.

0800 980 4601


Want to know more?

Read our frequently asked questions.

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What's next?

Business Health Insurance is a great benefit in the workplace. At General & Medical we have a wide range of options and rewards available for your business from flexibility in your premium to access to our Health and Wellbeing services.

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Contact us

To find out more about how we can help you then give us a call and a member of a friendly team will be on hand to help out.

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