When an employer creates a group policy for health insurance in the UK, all employees must be added to the scheme. Such group policy is employer-led, meaning the employer creates the health package for team members, and offers it to all employees. The quote for the UK health package will be based on all members of the company based in that country. Including all staff is thus critical to getting a valid health insurance plan, so when you create your UK healthcare plan on Kota, you will see this pop-up before submitting your quote, which you should accept:
What if I'm a founder?
If you're a founder, you must also be included to prevent anti-selection.
What if I have part-time staff?
All principal members to be covered are employees of the company, contracted a minimum of 15 hours per week PAYE or directors or shareholders with 51% or more shares.
What if my staff has dependants? Do I have to pay for them?
You don't need to cover dependents or partners, but you do need to cover health for your employees. The cover is being fully paid for by the employer, with no part of the employee’s premium (other than the cost for the spouse/partner or child dependants) to be recouped in any way from the employee.
If you'd like to know more about adding dependants, click here.
What if staff are remote, and working from various places? Is the healthcare still valid?
All employees and any dependants to be covered are residents in the UK (Great Britain and Northern Ireland, including the Channel Islands and the Isle of Man) for at least 180 days in each plan year.