Employee Healthcare Solutions

Easy access to better health for your workplace

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How do employee healthcare solutions work?

Employee healthcare solutions allow employees to access the help they need quickly and easily. These employee benefits can help employees prioritise their health and manage healthcare costs, leading to fewer absences, greater productivity and improved job satisfaction.

Our employee healthcare services

Wren Sterling’s Workplace team can review your employee benefits strategy and enhance your current solution, recognising which benefits your employees actually value and how you can provide these in a cost-effective way.

We can also help communicate your various benefits to your employees with financial education, improving their understanding and confidence in their decision-making. This can increase take-up for different benefits, as they better understand their purpose and value. Wren Sterling can take care of all of this on your behalf as part of your overall Employee Healthcare Benefits strategy.

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Private Medical Insurance

This can cover some or all of the cost of private medical treatment, allowing your employees to choose their own healthcare provider, and potentially access care faster than the NHS.

Private Medical Insurance can give your employees peace of mind over their health, allowing them more choice when accessing healthcare. Depending on the demographic make-up of your company, your employees could access PMI at reduced rates as part of a Group scheme, particularly for older employees.

What’s more, you are giving your business the best chance of having your workforce in work and healthy, maximising your investment in the scheme.
Healthcare cash plan

Help your team recoup the costs of everyday health checks and procedures with a corporate health cash plan.

A Cash Plan allows your employees to claim cash to cover everyday healthcare expenses such as eye tests, dental care and physiotherapy. It is not as comprehensive as PMI but is a cheaper alternative, ensuring you can help your employees pay medical bills not covered by the NHS without them paying more costly insurance premiums.

When we understand your workforce demographic make-up, we can advise on a suitable cash plan vs PMI strategy.
Group Risk policies

Group Risk employee benefits provide financial protection to employees and their families in case of illness, injury or death. It can alleviate some of the anxiety by providing financial support during tough times. The most common three Group Risk employee benefits are Group Life, Group Income Protection and Group Critical Illness.

Private Medical Insurance has become really popular among our clients, to the point where not offering it is unusual in some industries. Providers in that space recognise this and we've seen a greater variety in the type of cover available, and it's more affordable than ever on a group basis.

Paul Mitchell, Director of Corporate Solutions

Benefits of employee healthcare solutions

When employees are mentally well, physically able and financially confident, they can be more focused, motivated, and productive. When employees feel valued and their health supported, both employers and employees can see benefits such as:

A healthier workforce

Allows your employees to access medical care when they need it. Prompt medical care can improve staff retention and sickness absence – leading to increased productivity.
Attract and retain talent

A competitive employee benefits package can help top candidates when choosing their next role. Businesses that provide access to comprehensive workplace healthcare solutions can signal that a business looks after their employees.
Cost-effective for employer and employee

While access to free or subsidised healthcare can help employees save money, employers can benefit from fewer employee absences, greater employee retention and lower recruitment costs.
Additional benefits

Depending on the plans you select, many providers also offer additional benefits such as access to Dental care, Eye tests, Virtual GP appointments, 24/7 counselling helplines or cover for family members.

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Why Workplace Healthcare is important

53%

of employees say that the demands of their job cause them excessive stress.
36%

of employees frequently think about leaving their current company.
3x

more likely to stay when experiencing high levels of wellbeing.

Source: Great Place to Work, Workplace Wellbeing report 2024

We come across lots of clients who have a benefits strategy in place - but are still facing retention and sickness issues. We will help that employer understand more about how their benefits are communicated and how they are understood by employees.

Paul Mitchell, Director, Corporate Solutions

How our workplace advisors can help you

Our Workplace advisers can make a real difference when setting up or reviewing Group Risk benefits. We use market-leading flexible benefits technology to suit all budgets, ensuring that the right level of cover is provided to be valuable to employees, while also being cost-effective. While our advice will be tailored to your business, our process generally follows these four steps:

1. Consultation

We’ll discuss what you want to achieve and our menu of services to see how we can help. We can create a tailored service plan to suit your business, depending on its size and needs, and agree costs.
2. Research

You can benefit from our prior knowledge of any products or providers, as we assess them based on our past experiences, such as the quality of their administration and customer service.
3. Implementation

We do all the heavy lifting to roll out our strategy, giving you the tools to communicate changes with your employees, or running education sessions as needed, increasing employee engagement and benefits take-up.
4. Ongoing

We can regularly review your wellbeing strategy to ensure you’re still getting the best value, that you’re up to date with changing regulatory requirements, and manage your business’ evolving needs.

Why choose Wren Sterling to support with employee healthcare

450+

businesses as clients
80,000+

employees supported
600+

workplace schemes advised on

Correct as of June 2025

Meet our employee healthcare financial advisors

Sarah Herd

Head of Workplace

Sarah has worked in the financial services industry for over 25 years. She joined Wren Sterling in 2016 having worked as an independent financial…Read more
Paul Mitchell

Director, Corporate Solutions

Paul has worked in the employee benefit industry for over 25 years, 15 of which have been spent advising companies on their employee benefit strategy.…Read more
Bramwell Towse

Director, Corporate Solutions

Bramwell has 40 years of financial services experience with the past 37 years in employee benefits. Areas of advice include group pensions (both…Read more
Bryan Stott

Corporate Consultant

Bryan has worked in the employee benefit industry for over 20 years and before that he ran his own IFA practice. Bryan has been heavily involved in…Read more
Roger Dickenson

Corporate Consultant

Roger has over 25 years’ experience providing advice to SME clients on employee benefits provision. This includes the review and communication of…Read more

Sarah Herd

Head of Workplace

Sarah has worked in the financial services industry for over 25 years. She joined Wren Sterling in 2016 having worked as an independent financial…Read more
Paul Mitchell

Director, Corporate Solutions

Paul has worked in the employee benefit industry for over 25 years, 15 of which have been spent advising companies on their employee benefit strategy.…Read more
Bramwell Towse

Director, Corporate Solutions

Bramwell has 40 years of financial services experience with the past 37 years in employee benefits. Areas of advice include group pensions (both…Read more
Bryan Stott

Corporate Consultant

Bryan has worked in the employee benefit industry for over 20 years and before that he ran his own IFA practice. Bryan has been heavily involved in…Read more
Roger Dickenson

Corporate Consultant

Roger has over 25 years’ experience providing advice to SME clients on employee benefits provision. This includes the review and communication of…Read more

FAQs

Is providing employee healthcare solutions a legal requirement?

Is providing employee healthcare solutions a legal requirement?

Workplace pensions, Statutory Sick pay, Holiday pay, Maternity/paternity leave must be provided by law. Other staff welfare benefits which are optional. Companies wanting to compete for talented individuals should consider what their competitors are offering.
Do all employees have to opt in to their healthcare benefits?

Do all employees have to opt in to their healthcare benefits?

Employers can choose to offer different workplace healthcare benefits, with flexibility as to whether these are offered as standard, or require employees to opt-in. Flexible benefits and salary sacrifice schemes are can be used to allow employees to choose the benefits they value most.
Do employees need to contribute to healthcare benefits?

Do employees need to contribute to healthcare benefits?

Offering healthcare benefits isn’t mandatory, so employers can choose which benefits to make available, and under what terms, to provide healthcare benefits their employees will value in a cost-effective way.

Employers may offer to cover all or some of the cost of benefits, and may require a contribution from employees.

Employee Healthcare Solutions

Easy access to better health for your workplace

How do employee healthcare solutions work?

Our employee healthcare services

Private Medical Insurance

Healthcare cash plan

Group Risk policies

Benefits of employee healthcare solutions

A healthier workforce

Attract and retain talent

Cost-effective for employer and employee

Additional benefits

Why Workplace Healthcare is important

53%

36%

3x

How our workplace advisors can help you

1. Consultation

2. Research

3. Implementation

4. Ongoing

Why choose Wren Sterling to support with employee healthcare

450+

80,000+

600+

Meet our employee healthcare financial advisors

Sarah Herd

Paul Mitchell

Bramwell Towse

Bryan Stott

Roger Dickenson

Sarah Herd

Paul Mitchell

Bramwell Towse

Bryan Stott

Roger Dickenson

FAQs

Is providing employee healthcare solutions a legal requirement?

Is providing employee healthcare solutions a legal requirement?

Do all employees have to opt in to their healthcare benefits?

Do all employees have to opt in to their healthcare benefits?

Do employees need to contribute to healthcare benefits?

Do employees need to contribute to healthcare benefits?

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