Health Insurance Structured for Limited Company Directors
Protect your business operations, bypass NHS waiting lists, and structure your premium healthcare tax-efficiently through your limited company.
Corporation Tax Deductible
Premiums paid through the business are typically an allowable expense.
Skip NHS Waiting Lists
Immediate access to private diagnosis and top specialists.
Whole-of-Market Comparison
We review top providers to secure the best rates for your company.
MHD Group Cover Available
Pre-existing conditions can be covered on qualifying group schemes.
Family Extension Options
Extend corporate policies to easily protect your spouse and children.
Virtual GP 24/7 Access
Round-the-clock digital appointments to keep your business running.
Offset Against Corporation Tax
Structuring your health insurance through your limited company is a proven strategy for directors looking to protect personal cash flow.
- Corporation Tax Deduction: Your premiums are typically treated as an allowable business expense, reducing the company's overall Corporation Tax bill.
- P11D Benefit in Kind: While you pay income tax on the benefit's value, the net cost is often substantially lower than extracting higher dividends to pay for a personal policy.
- Protect Personal Dividends: By keeping premiums within the business, your personal post-tax income remains intact.
Medical History Disregarded (MHD)
For directors and business owners with pre-existing conditions, standard individual policies often apply exclusions. Group schemes can unlock powerful alternatives.
- Remove Individual Assessments
Qualifying group schemes may remove the need for individual medical underwriting, meaning historical conditions might be covered.
- Group Size Requirements
Availability varies by insurer. Some providers offer MHD for groups of 15+, while others may consider smaller executive teams depending on the risk profile.
Whole-Of-Market Broker Comparison
We provide independent guidance across all major UK providers to find the exact cover that matches your corporate requirements.
Bupa
Renowned for an extensive premium hospital network and incredibly fast specialist referral pathways, perfect for directors needing immediate action.
AXA Health
Offers highly comprehensive outpatient cover alongside robust mental health support and burnout prevention tools for executives.
Aviva
Known for highly flexible policy modularity, seamless family extensions, and leading digital healthcare tools including virtual GP access.
Provider MHD Capabilities
Compare minimum group size requirements and key features across top providers.
| Provider | Minimum Employees for MHD | Key MHD Features |
|---|---|---|
| Bupa | Typically 3+ | Full MHD available on qualifying schemes; comprehensive hospital network |
| AXA Health | Typically 4+ | MHD with wide outpatient options; strong mental health support |
| Aviva | Typically 3+ | MHD with flexible modular benefits; virtual GP included |
| Vitality | Typically 4+ | MHD with Vitality rewards programme; wellness incentives |
*Minimum employee numbers and MHD availability may vary based on scheme structure and insurer criteria. Always seek independent advice.
Frequently Asked Questions
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