Private Medical Trusts

Private Medical Trusts are becoming increasingly more common to companies with 500 employees or more. That’s largely down 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 August 2024).

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.

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

To help your clients look after the health and wellbeing of their employees, our Private Medical Trusts include the following added extras.

• Aviva Digital GP app* - GP consultations and their associated wait time for your clients' staff could create downtime and reduce their business output. Aviva Digital GP could help minimise this, by giving your clients' eligible employees swift and convenient access to GP video consultations and repeat NHS prescriptions service. Please note, Aviva Digital GP is available at home or abroad. The terms and conditions and the privacy policy for Aviva Digital GP can be viewed in-app before they sign up. Mobile data charges may apply. If your client has BacktoBetter or Mental Health Pathway, remember they don't need a GP referral and can contact us directly. If the reason for the consultation is related to a complex health need, complex medical history or they have a health need that requires hands-on examination, we may need to get additional information from their clinical team.
• Aviva Wellbeing app* - Whether your clients’ employees want to sleep more, stress less or get fit and healthy, Aviva Wellbeing could help them achieve lifelong change - one easy step at the time. Terms and conditions and the privacy policy for Aviva Wellbeing can be viewed in-app before signing up.
• Aviva Line Manager Toolkit: Mental Health* - Empower line managers to spot the warning signs of poor mental health. The digital Aviva Line Manager Toolkit: Mental Health provides clinically-underpinned, bite-sized videos, designed to help line managers identify signs and symptoms of poor mental wellbeing among team members, both in the physical and remote work environment.
• Get Active* - With access to over 3,000 health and fitness clubs across the UK, as well as providers of at-home fitness and a range of other products and services designed to enhance healthy and happy lifestyles, your clients' employees will enjoy access to some great offers to help them stay fit, happy and healthy. Terms and conditions and the privacy policy can be viewed online before signing up.
• Cancer Care with Get Active* - Your clients' employees can benefit from savings on products and services that may help make a small difference if they or someone close to them is living with cancer. Cancer Care with Get Active provides them with access to discounted products and services that can help with the daily living adjustments a cancer diagnosis and treatment can bring, as well as offers on services and experiences that may enhance quality time spent with family and close friends.
• Stress Counselling helpline - Stress can develop when employees feel they are having difficulty with the demands and expectations they face. Stress carries risks for businesses, such as increased absenteeism, lower productivity, and low levels of morale. The best time for  employees to get confidential help is as soon as possible. Letting issues build over time can create bigger problems down the line. This service is available 24/7 to members and their eligible dependants aged 16 or over.
• Mental Health Support* - Aviva can help improve employee mental health by providing access to helpful information and advice. We've produced ten bite-sized videos for your clients' employees to watch whenever they need to. Designed by our expert clinician, they cover a range of mental health topics.
• MyAviva - We know life is busy, so that’s why we’ve developed MyAviva to make things easier for our customers. 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, letting them check their policy or scheme information, including cover and benefit details to starting a new claim, updating us on an existing one and viewing authorised treatments. It’s available to download from the App Store or Google Play. Mobile data charges may apply.

We've also enhanced our cancer cover and introduced a range of new support services, 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 permanent residents of Great Britain, Northern Ireland, the Channel Islands, ot the Isle of Man.