How much does a group health cash plan cost?
Group health cash plan quotes for UK employers commonly start near £5 to £7 per employee per month for entry-level cover. Higher levels with larger dental, optical, physiotherapy and wellbeing allowances can cost £15 to £30 or more per employee per month.
Published provider examples are useful benchmarks, not firm quotes. Westfield publishes employer cover from £6.52 per employee per month, while its Foresight guide shows four levels from £5.70 to £31.35 for employers with 5 to 49 people. Prices and product terms can change.
Typical monthly employer budget
| Cover level | Indicative monthly cost per employee | Typical focus |
|---|---|---|
| Entry | Around £5 to £7 | Core dental, optical and everyday support |
| Mid-level | Around £10 to £20 | Higher limits plus broader therapy benefits |
| Higher level | Around £20 to £32+ | Larger limits and wider wellbeing support |
For 20 employees, an entry-level scheme near £6 per employee would create a budget near £120 a month. That is an illustration only. A firm quote confirms the current provider rate and exact benefit limits.
What should employer quotes include?
- The monthly price per employee and total annual scheme cost.
- Dental, optical and physiotherapy limits at each plan level.
- Waiting periods, exclusions and reimbursement percentages.
- Minimum scheme size and employee eligibility rules.
- Cover for partners and dependent children.
- Digital GP, counselling and employee assistance services.
- Claims method and expected reimbursement time.
Employer-paid or employee-paid?
An employer can fund the core plan for everyone in an eligible category, offer a voluntary employee-paid plan, or fund a base level and let employees pay to upgrade. The right structure depends on budget, participation targets and payroll administration.
How to compare group cash plan providers
Match every provider to the same workforce and benefit brief. Compare the actual cash limits, not the plan names. A Level 2 plan from one provider is not automatically equivalent to Level 2 elsewhere.
Get group cash plan quotes
The Broking Group compares Health Shield, Medicash, Simplyhealth and Westfield for UK employers. Read our Health Cash Plans service page or request an employer quote.