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Clearbrook

Support your team’s health

Business private medical insurance

Private medical insurance for directors and employees, recommended and arranged around your team’s needs and budget.

A clearer view

Is this the cover your business needs?

Who it can suit

Businesses considering private medical insurance as an employee benefit or reviewing their existing scheme.

What it is designed to do

Help pay for eligible private consultations, investigations and treatment, within the policy’s benefits and limits.

What to consider

Private medical insurance does not cover everything or replace NHS emergency care. Pre-existing conditions, ongoing conditions, benefit limits and underwriting need particular attention.

Clearbrook in practice

Advice shaped around real businesses.

Anonymised examples of our advice. Each reflects the client’s circumstances at the time. Where we describe a recommendation or proposal, this does not imply the cover has been put in place.

A substantial saving. Support at every renewal.

A business asked us to review its employee medical insurance at renewal. We compared suitable alternatives and recommended cover that met its needs, at a substantially lower premium than the original renewal offer. We also reduced the excess to zero.

Our support continued the following year, when we helped secure a further reduction in the insurer’s proposed renewal premium. The value came from reviewing the options and continuing to challenge renewal costs on the client’s behalf.

An anonymised client example. Cover terms differed and were assessed against the client’s needs. Savings are not guaranteed.

Your questions, answered

Business private medical insurance
Q&A

These answers explain the general principles. Your recommendation will depend on your circumstances and the policy terms.

Can a small business arrange medical insurance?

There are options for smaller businesses, but minimum membership and eligibility requirements vary by insurer. Tell us how many people you want to cover and whether there is an existing scheme.

Are pre-existing medical conditions covered?

This depends on the insurer, the underwriting approach and any existing cover. We assess these carefully before recommending a new policy or a switch, explaining any exclusions and differences in terms.

What is the difference between full medical underwriting and a moratorium?

Full medical underwriting normally asks for medical history when applying. A moratorium applies rules about previous conditions and qualifying periods. We explain how each approach could affect your team before recommending cover.

What affects the premium?

Factors can include membership, ages, location, benefits, hospital access, excess and underwriting terms. Renewal pricing may change. A cheaper premium can come with reduced benefits or different restrictions.

Does it replace the NHS?

No. Private medical insurance is intended to work alongside NHS services. Emergency treatment and many long-term conditions are outside typical cover; the policy wording explains the benefits and exclusions.

Can we switch an existing company scheme?

We compare suitable alternatives, assess underwriting, exclusions and benefits, and arrange a switch where it meets your needs. Continuation of existing cover is not automatic. We check the proposed terms and start date before you cancel your current policy.

How do you help at renewal?

We review your business medical insurance renewal every year, compare suitable alternatives and use competing quotes to negotiate with your existing insurer. We consider benefits, excesses, underwriting and continuity of cover alongside price. The aim is to keep your cover competitive over time, although a lower premium or a limit on increases cannot be guaranteed.

Can you help with a policy we arranged elsewhere?

Yes. We can review your existing business medical insurance and, subject to the insurer’s adviser appointment process and your authorisation, take over its ongoing servicing. That does not necessarily mean changing insurer or replacing the policy. We can then help with future renewals and explain any proposed changes to cover before you decide.

Further reading & information sources

General information checked against these sources on 15 September 2026. Individual insurers’ terms vary. Tax rules and their application can change.

  • Bupa: medical underwritingPlease be aware that by clicking onto the above link you are leaving the Clearbrook Finance website. Please note that neither Clearbrook Finance nor PRIMIS Mortgage Network are responsible for the accuracy of the information contained within the linked site accessible from this page.
  • Aviva: pre-existing medical conditionsPlease be aware that by clicking onto the above link you are leaving the Clearbrook Finance website. Please note that neither Clearbrook Finance nor PRIMIS Mortgage Network are responsible for the accuracy of the information contained within the linked site accessible from this page.

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