Faster care, clearer value

Group private medical insurance (PMI) can give your people faster access to diagnosis and treatment – and give your business more certainty over absence and costs.

Because decisions should be evidence-led, our GEM PMI Modeller turns the group PMI information you already receive into clear, defensible insight for HR, reward and finance teams – helping you see what’s driving cost and to set an evidence-based renewal range from day one.

What is group private medical insurance (PMI)?

Group PMI covers private healthcare for a defined group of employees (and, if you wish, their dependants). Typical cover includes consultations, diagnostics, specialist treatment and hospital care, with options to tailor benefits and limits. Many plans also include virtual GP access and fast-track mental health support.

GEM PMI Modeller: turn PMI data into decisions that deliver

Our GEM PMI Modeller takes the PMI information you already receive (claims, membership, scheme design and recent renewal details) and turns it into clear, defensible insight for HR, reward and finance teams.

What you can do with GEM today:

  • See what’s driving cost – understand claim trends, the impact of high-cost claims and how experience compares with the claims 'fund'.
  • Set an evidence-based renewal range – vary medical inflation and administration charging/inflation models to see how renewal outcomes move.
  • Act with confidence – we use the outputs in discussions with your insurer on your behalf, and you get a concise internal summary for approvals.

 

Want to explore benefit design changes (e.g. excess tiers or eligibility)? We add our expert analysis alongside GEM and present the combined picture in one conversation.

When to use it: before renewal; when costs jump and finance want the 'why'; if your workforce profile has shifted; or when you want options without defaulting to a provider switch.

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Your one trusted adviser for group private medical insurance 

Together, Barnett Waddingham and Howden Employee Benefits provide a single, trusted adviser across health, protection and wider benefits – blending independent broking scale with actuarial, governance and communication expertise. You get advice grounded in data and delivered by specialists who can join the dots across your total rewards.

What that means for you:

  • A joined-up view of group PMI design, price, service and member experience – not just headline premium. 
  • Practical implementation support, from market approach to employee communications.
  • Access to complementary benefits (group risk, cash plans, dental) under one advisory relationship. 

How we help

You’ll get independent, practical advice on setting up or reviewing group PMI, focused on value for your people and your budget.

What we do:

  • New schemes: assess needs, design options, approach the market and implement.
  • Review and optimise: test value for money; align plan design with your workforce; improve member understanding and usage.
  • Renewals and negotiation: prepare evidence, brief stakeholders and negotiate with insurers on your behalf.

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Typical group PMI areas we support

  • Cover options and limits – balancing experience, budget and employee value.
  • Mental health and prevention – quick access to appropriate support and value-adding services.
  • Member journey – virtual GP, triage and care pathways to reduce time to treatment.
  • Governance and communications – helping employees use the benefit well and avoid unnecessary cost.

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