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Group Healthcare Benefits
Prioritising health and wellbeing for success
Invest in the health and wellbeing of your people
Taking steps to support the health and wellbeing of your workforce is good for your people and your business. A proactive approach helps reduce absence, lift productivity and support a positive workplace culture where teams thrive.
Together, Barnett Waddingham and Howden Employee Benefits provide a single, trusted adviser across group healthcare benefits – combining independent consulting, strong market access and razor-sharp technology to deliver measurable value.
What we help you achieve
- Faster access to diagnosis and treatment, helping people return to work sooner.
- Everyday support for common health needs, not just at claim time.
- Clear choices in plain English, aligned to your goals, people and budget.
Popular healthcare benefits include:
Group Private Medical Insurance (PMI)
Fast access to specialists and treatment, supporting quicker returns to work and better outcomes.
Typically includes: consultations, diagnostics, treatments and hospital care – often with virtual GP and mental health pathways.
Group Dental Insurance
Practical cover that encourages routine care and helps reduce time away from work.
Typically includes: check-ups, hygiene visits, X-rays and common treatments (e.g. fillings, crowns).
Health Cash Plans
Cashback on everyday healthcare costs, keeping out-of-pocket expenses down for your people.
Typically includes: dental and optical, physiotherapy/osteopathy/chiropractic, health screening.
Employees are seeking a higher standard of healthcare
The demand for higher-quality healthcare is rising among employees. Employers of all sizes are therefore taking a proactive approach to group healthcare benefits, recognising the vast advantages to both the organisation and its people. With NHS waiting times remaining long for many treatments, more individuals and organisations are choosing private healthcare and assessing these benefits when considering a new role.
We work with you to achieve your goals
Every organisation is different. Your group healthcare benefits should align with your objectives and mirror your culture, not a generic template. That’s why we begin by getting to know your business in detail. With that insight, we design a group healthcare benefits plan that fits, and we focus on delivering measurable value for money.
Why choose us
- Independent by design: advice focused on outcomes and sustainability.
- Market strength: access and relationships that work in your favour.
- People-first delivery: practical support that employees actually use – every day, not just at claim time.
- One team with Howden Employee Benefits: consulting, broking and analytics working as one to deliver measurable value.
GEM Analytics: smarter decisions, stronger value
Our group healthcare benefits consulting is underpinned by GEM Health, a proprietary model that forecasts future claims fund requirements and reveals the real drivers of cost. By analysing claims experience, benefit design and membership profiles, GEM turns data into clear guidance you can act on.
What this means for you:
- Sharper pricing conversations: we quantify risk so negotiations focus on evidence, not guesswork – often reducing the need for broad annual market reviews.
- Better long-term choices: model the impact of different assumptions (benefit design, excess levels, pathways) and choose what’s right for your people and your business.
- Less management time: year-round support and clear recommendations keep you prepared well before renewal.
- Deeper visibility: ongoing insight into claims performance and pricing methodology, so you can plan with confidence.
Group Risk Benefits
In addition to healthcare benefits, we can help you design and deliver a group risk benefits plan that protects your people and strengthens your employee proposition. From life assurance to income protection and critical illness cover, our independent consulting and strong market access help you secure comprehensive, cost-effective solutions.
