Merit is our entry-level employer paid health care cash plan for 10 or more employees and costs £4.70 per employee, per month, so looking after your employees is more affordable than you might think. With one simple level of cover, Merit can be provided to all of your employees plus, as it also covers pre-existing conditions, everyone can use it from day one.

As an added bonus, your employees will have online access to exclusive member benefits including online and high street discounts and a    24-hour GP service.

With Merit, your employees can claim money back towards a range of everyday health care costs, so they hopefully won’t have to make a choice between looking after their health and their finances. What’s more, you also have the option of adding an Employee Assistance Programme.

What Merit covers

The table below shows the cover Merit provides and the cost.

Cover amount
Monthly premium - per employee £4.70
Annual product benefits Cover amount Payback
Everyday essentials
Dental up to £55 100%
Optical up to £55 100%
Help to keep you ticking over
Physiotherapy / Osteopathy / Chiropractic / Sports massage
including cover for PMI excess
up to £125 100%
Chiropody / Podiatry up to £40 100%
Acupuncture / Homeopathy / Reflexology / Earwax removal up to £40 100%
Health screening† up to £105 100%
Support if you need hospital treatment
Hospital consultant fees and diagnostic tests
including cover for PMI access
up to £105 100%
Hospital day case admission £25per day Max 5 days
Monthly premium - optional partner cover
Your employees can pay to cover their partner £7.70

Premiums include insurance premium tax (IPT) at the current rate. Please see the Merit terms and conditions for full details.

†Where an employer provides employees with direct access to a health screen through a third party practitioner, employees will only be entitled to claim through their Merit policy for the cost of this type of health screen once in any two year period.

Here’s how Merit can benefit your business…

Duty of care

  • Helps meet DSE regulations and saves on standalone eye test provisions
  • You can choose to offer a comprehensive EAP, which includes a 24-hour helpline and access to counselling sessions
  • Demonstrates you support employee wellbeing

Budget friendly

  • One simple level of cover
  • Cover is £4.70 per employee, per month
  • Cover is a fraction of the cost of PMI and can help to cover PMI excesses


  • Help your employees afford their everyday health care
  • Encourages treatment and fast diagnosis
  • Optional additional adult cover


  • A cost-effective alternative to salary increases and bonuses
  • Use as a tool to retain the best employees by improving your benefits package
  • Incentivise your team, boost morale, reward length of service and good performance

Immediate cover

  • Cover from day one
  • Pre-existing conditions covered, no qualifying period
  • Quick and easy to implement

Easy to manage

  • You will be assigned a dedicated account manager to provide ongoing support
  • Support in launching the scheme including face-to-face or online briefings
  • We can provide information about how the cash plan is being used on request

Straightforward, low cost. Why wait? Call us on 01274 841 127 or enquire online

Contact us today

Call us on 01274 841 127

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