Helping pay the cost of healthcare
Clients with 500 employees or more can fund their company's private healthcare by setting up a Private Medical Trust. It can be a way to cut down on administration and cost.
No IPT
There’s no Insurance Premium Tax to pay on the money your clients put into their healthcare trust scheme
Reduced admin
We take care of the day-to-day administration, but your client keeps full control over what benefits the Trust provides
Health benefits
Employees get access to private healthcare and wellbeing services, helping to make a healthier workforce
What is a Private Medical Trust?
Private Medical Trusts are used by companies with 500 employees or more. That is due to two factors - the reduced administrative burden and the potential savings that come from the Trust’s structure. As it’s not an insurance contract, your clients won’t pay Insurance Premium Tax (12% as at July 2025).
Essentially, a Private Medical Trust is a pot of money that a business can use to pay for eligible medical expenses incurred by their employees.
Your client – the business – makes payments into the Trust scheme, which we can administer on their behalf. We look after claims assessments and payments. But because your client sets the rules of the Trust, they have control over the type and range of healthcare benefits the Trust provides.
How it works
Your client chooses which type of Trust to set up. The process can sometimes be daunting for clients who haven’t set up a Private Medical Trust this way before, so we recommend they take legal advice and tax advice.
For a fee, we will carry out all the administration on behalf of the trustees. Your client's company makes contributions into the fund, which are used to pay for eligible medical expenses incurred by the Trust’s beneficiaries, their employees.
With us managing the membership and claims on their behalf, your client can benefit from a long-term reduction in administration. Alternatively, they can manage the membership themselves. Either way, we set up a personalised claims service that can help people to return to work as soon as possible.
Our dedicated account management team provides day-to-day support, from sending out new-joiner packs to contributing to the analysis of management information in meetings with trustees and group administrators.
Trust Registration
There may be an action to register your client's Healthcare Trust with HMRC. Registration is the trustee’s responsibility. You can find more information about the Trust Registration Service on the Government website*.
* Contains public sector information licensed under the Open Government Licence v3.0
Value added benefits
To help your clients look after the health and wellbeing of their employees, our Private Medical Trusts include access to a suite of wellbeing benefits*. This includes services such as a Digital GP appointments, Get Active & The Stress Counselling Helpline. You can find out more about these value added benefits by visiting our wellbeing hub.
There are also a range of dedicated support services available to employees diagnosed with cancer, offering expert care throughout their cancer journey.
*These services are non-contractual benefits that could be changed or withdrawn by Aviva at any time. To be eligible for Wellbeing services, your clients' employees must be residents of Great Britain, Northern Ireland, the Channel Islands, or the Isle of Man.
MyAviva
Our online portal will help your clients' employees manage their Aviva policies and schemes in one secure and easy-to-use place. It puts a whole host of benefits at their fingertips, including:
- being able to start a new claim, where they could receive an instant decision, helping them access their recommended treatment as soon as possible
- updating us on an existing claim and being able to view authorised treatments
- viewing their claims summary, updating us on what's next and tracking bills paid against their claim
- keeping track of their excess and outpatient benefits (where applicable), helping them stay in control
- chatting to our Online Assistant where they can get support 24/7. They can help answer their questions or direct them to someone who can.
It’s available to download from the App Store or Google Play. Mobile data charges may apply. MyAviva terms and conditions apply and are available to read in-app before signing up.
Can we help you?
Want to talk about setting up a new healthcare trust scheme?
Email us at istrust@aviva.com
Related products & services
Optimum
Our group PMI product overing 250+ lives - lets your clients flexibly choose benefits suited to their business needs.
Optimum Referral
An alternative to our Optimum product, designed to deliver a high standard of medical care for your clients’ employees on an open referral basis.
Mental Health Pathway Plus
Optional mental health management add-ons for your corporate clients that tailors the support employees receive for their mental health, with a focus on personalised clinical care.
Haven't found what you're looking for?
See our contact us page for a full directory.