Discover the Benefits of Group Medical Insurance – Expert Help at No Cost

When you are responsible for your team’s wellbeing, the stakes are high. The right group medical insurance can protect your people, reduce absence, and strengthen retention. Yet the market can be complex and time-consuming to navigate. That is where appointing a broker makes a measurable difference.

Why appoint a broker for group medical cover?
At Sovereign Insurance Services, we take care of the hard work for you. We compare the market, design tailored benefits, build and negotiate quotes, and then provide ongoing administration and claims support throughout the year. Our advice is independent and jargon-free, and our private medical insurance services are completely free of charge to employers. There are no fees for placement, reviews, recommendations, claims, or administration.

The measurable business impact
Investing in group medical cover is not just about peace of mind; it delivers tangible business benefits. Across Europe, companies that provide health insurance see clear improvements in productivity and attendance. In Central Europe, employers offering group health cover reported a 25% reduction in absenteeism and a 10% to 20% increase in productivity. In Ireland, similar schemes have been linked to almost 30% lower staff turnover and employees who are 25% more productive.

The UK tells a similar story. Private hospital admissions reached a record high in 2024, with insured treatments accounting for more than 70% of all private admissions. Around 80% of these policies are funded by employers, reflecting the growing recognition that faster access to care helps maintain productivity and reduce delays. Organisations that invest in wellbeing report significant improvements, including reduced absence, higher engagement, and better overall performance.

The evidence from the United States reinforces the case. A national study found that employer-sponsored health coverage delivers an average return on investment of 47%, meaning £1 spent generates £1.47 in value. That figure is expected to rise to 52% by 2026. MetLife’s research goes further, estimating that every £1 invested in employee health returns £2.30 in value, thanks to healthier teams who are more productive and take fewer sick days.

The conclusion is clear: investing in group medical cover pays back through fewer absences, faster recovery, and improved retention, while helping you stand out in a competitive job market.

What Sovereign does for you (at no cost)

• Unbiased market search and negotiation: We are not tied to any insurer; we source and negotiate the package that genuinely fits your workforce and budget.
• Clear comparisons and recommendations: Full benefit and cost comparisons, explained in plain English so you know exactly how your people will use the cover.
• Ongoing administration and claims support: We manage onboarding, membership changes, renewals, and support employees with claims to minimise disruption.
• Optimisation over time: Insights on utilisation and claims to fine-tune cover where it matters most for absence and productivity.

Make group medical cover work harder for your business without adding to your workload.