Channel Islands corporate health insurance for small businesses

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    • The Islands Health Plan medical insurance for up to 150 employees

      With our range of plans, you can choose the cover that suits your organisation’s needs and tailor the benefits to fit your budget.

      You can choose to add Dental and Optical cover and extend your employees’ hospital network in the UK. Plus, for groups of 10 or more, we can cover your employees’ pre-existing medical conditions.

      Core

      • Cover in the Channel Islands, Isle of Man, UK and Europe
      • Hospital treatment
      • Surgery and hospital charges
      • Parent accommodation
      • Out-patient treatment
      • Brain and body scans
      • Surgical procedures
      • Transport
      • Transportation benefit
      • Ambulance transport
      • Cancer cover
      • Cancer cover
      • Palliative care for cancer
       

      Extend your group cover with:

      • Dental and optical option
      • Extended hospital network option

       

      Classic

      • Cover in the Channel Islands, Isle of Man, UK and Europe
      • Hospital treatment
      • Surgery and hospital charges
      • Parent accommodation
      • Cash Benefit
      • Emergency cover outside of Europe
      • Out-patient treatment
      • Brain and body scans
      • Surgical procedures
      • Specialist’s consultations
      • Physiotherapy
      • Transport
      • Transportation benefit
      • Ambulance transport
      • Cancer cover
      • Enhanced cancer cover
      • Palliative care for cancer
       

      Extend your group cover with:

      • Dental and optical option
      • Extended hospital network option

       

      Premier

      • Cover in the Channel Islands, Isle of Man, UK and Europe
      • Hospital treatment
      • Surgery and hospital charges
      • Parent accommodation
      • Cash Benefit
      • Maternity cash benefit
      • Emergency cover outside of Europe
      • Out-patient treatment
      • Brain and body scans
      • Surgical procedures
      • Specialist’s consultations
      • Physiotherapy
      • Psychiatric treatment
      • GP charges
      • Transport
      • Transportation benefit
      • Ambulance transport
      • Transportation to the UK for Cancer treatment
      • Cancer cover
      • Enhanced cancer cover
      • Palliative care for cancer
      • Hospice donation
      • Wellbeing cover
      • Health check
      • Cover for accidental damage to teeth
       

      Extend your group cover with: 

      • Dental and optical option
      • Extended hospital network option

       

      Ultimate

      • Cover in the Channel Islands, Isle of Man, UK and Europe
      • Hospital treatment
      • Surgery and hospital charges
      • Parent accommodation
      • Cash Benefit
      • Maternity cash benefit
      • Emergency cover outside of Europe
      • Out-patient treatment
      • Brain and body scans
      • Surgical procedures
      • Specialist’s consultations
      • Physiotherapy
      • Psychiatric treatment
      • GP charges
      • Transport
      • Transportation benefit
      • Ambulance transport
      • Transportation to the UK for Cancer treatment
      • Cancer cover
      • Enhanced cancer cover
      • Palliative care for cancer
      • Hospice donation
      • Wellbeing cover
      • Health check
      • Cover for accidental damage to teeth
      • Non-routine dental treatment
      • Cover for glasses and contact lenses
      • Annual eye test
       

      Extend your group cover with: 

      • Extended hospital network option

       

      Optional benefits

      You can choose to include optional benefits on you corporate plan to enhance your employees’ cover.  

      Dental and optical cover 
      You can choose to add cover for dental and optical treatment to Core, Classic and Premier and we’ll provide a contribution towards eligible, non-routine dental treatment, the cost of an eye test and the cost of prescription glasses and contact lenses. 

      Extended hospital network 
      The Islands health plan gives your employees access to treatment in Europe, the Channel Islands and the UK but by selecting the extended hospital network option, your employees will be able to access a greater selection of hospitals in London. To see the hospitals available in the UK and Channel Islands, please view our Islands Health Plan Directory of Hospitals.

      pdfIslands Health Plan Directory of Hospitals  

       

       

      Choose to have an excess

      To bring your premium down, you can choose to add an excess. The higher the excess, the lower your price. Choose from our five levels of excess:

      • £100
      • £200
      • £500
      • £1,000
      • £2,000

      Your employees only pay the excess if they make any claim that we cover, and they’ll only pay it once per person each membership year..

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