Common Employee Benefits questions.
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How do you qualify for Group Health Insurance?
To qualify for Group Health Insurance an individual needs to be employed by a company with two or more employees and which offers a Group Health Scheme.
Why are benefits important to employees?
Benefits are important to employees because they receive the advantages of having protection policies as part of their employment contract.
What are the 4 major types of employee benefits?
The four most common types of Employee Benefits are Life Insurance, Income Protection, Private Medical Insurance & Retirement Planning.
What is the difference between Critical Illness and Terminal Illness cover?
Terminal Illness is an insurance which pays out when the life expectancy of the policyholder is less than twelve months. Critical Illness pays out a lump sum on diagnosis of a specified illness.
Is Private Medical Insurance worth it?
The short answer is yes. Private Medical Insurance gives the policyholder access to private hospitals and consultants, enabling them to receive speedier treatment in more comfortable surroundings than the NHS is able to offer.
Life Cover known as (Death in Service)
Sick Pay
Critical Illness
Private Medical
The Employee Benefits Process
Working with HB Partners
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An informal introductory conversation
Your protection experts will work with you to understand Employee Benefits requirements, then take you through the options available to you.
We will look for the most appropriate benefits to meet your needs, including Private Medical Insurance, Life Insurance and retirement options.
Our Expert Recommendation
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The right Employee Benefits package for you
Our experts will calculate the amount of cover required, then compare the relevant providers that meet your business needs. We will then discuss the options most suited to you.
With your agreement, we will then proceed with an application. We will manage all paperwork and update you at every stage of the process, until completion.
Full Application
We can create an Employee Benefits package, including the following policies
What is 3 + 5 =
Meet the Team
HOW MANY EMPLOYEES DO YOU NEED TO QUALIFY FOR GROUP HEALTH INSURANCE?
Typically, a minimum of two employees are required for a group scheme. This can vary between providers. However, the more employees, the more flexibility there may be with underwriting.
WHAT ARE EXAMPLES OF EMPLOYEE BENEFITS?
Examples of employee benefits include Life Insurance, Income Protection, Retirement Planning and Private Medical Insurance.
WHAT ARE THE ADVANTAGES OF GROUP PLANS?
The advantages of a Group Scheme are that the employee will benefit from the insurance and protection arrangements put in place by their employer. Benefits to the employer include potential tax savings.
WHAT IS "MEDICAL HISTORY DISREGARDED"?
With this type of underwriting, all of your employees will receive full cover from the policy, as their medical history will be disregarded.
Frequently Asked Questions
If you have a specific question, click the button below, and we will do our best to answer this for you.
Why use us?
We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.
We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism.
We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.
We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.
Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.
We are qualified to advise you on your equity release requirements.
Related to Employee Benefits
What our clients say
Mark Culham
Adviser & Co-Founder
Steve Jascourt
Adviser & Co-Founder
"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."
“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”
