How is director PMI taxed?

The company pays the premium (deductible expense). The director reports it as a benefit-in-kind on their P11D. They pay income tax on the premium value, but no NI. Net cost is usually 30–40% lower than personal purchase.

What's the difference between standard and executive PMI?

Executive tiers add annual health screens, overseas cover, higher limits, and dedicated claims handlers. Whether they're worth the extra £50–£100/month depends on your travel profile and service expectations.

Can I cover my spouse and children too?

Yes — family members can be added to the company policy. Their premiums are also a deductible expense and BIK. It's usually cheaper than buying separate personal policies.

UK health insurance for company directors from £80–£200/month. Corporation tax deductible via Ltd. Compare Aviva, Bupa, AXA. Call 020 4525 0884.

Health Insurance for Company Directors UK

UK director health insurance typically costs £80–£200/month for a healthy 45-year-old. Premiums paid by the company are a deductible business expense. Bupa, Aviva and AXA are the most commonly placed providers for executive PMI due to broad hospital networks and corporate-grade service.

Company directors are often the linchpin of their business — extended absence due to ill health can be catastrophic. PMI removes the NHS wait, getting directors seen, diagnosed and treated in days rather than months.
Tax treatment is straightforward: the company pays the premium as a business expense, reducing corporation tax. The director reports it as a benefit-in-kind (BIK) on their P11D. Net cost is typically 30–40% lower than personal purchase after income tax.
Executive-tier PMI products (Bupa Platinum, AXA Health corporate, Vitality Executive) add perks like annual health screens, overseas cover, and dedicated claims handlers. Whether these justify the uplift depends on the director's travel profile and preference for VIP service.

PremierPMI is a UK private medical insurance broker specialising in whole-of-market placement across 10+ leading UK health insurers including Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter, General & Medical and National Friendly. FCA regulated (Tesha Family Ltd, FRN 1029667). Speak to a broker on 020 4525 0884, WhatsApp 07515 703307, or email contact@premierpmi.co.uk.

Speak to a UK PMI broker

PremierPMI's brokers are available Monday to Friday 9am to 5:30pm. Call 020 4525 0884, message us on WhatsApp 07515 703307, or email contact@premierpmi.co.uk. You can also request a callback or meet our team.