Private Medical Trusts

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.


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 healthcare experience and medical expertise, making for a healthier workforce 

Product details

Why a Private Medical Trust?

Private Medical Trusts are becoming increasingly attractive to companies with 500 employees or more. That’s largely down to 2 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 January 2021).

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:

  • Non-discretionary Trust - fully funded by the employing company
  • Multi-contribution Trust - allows for voluntary contributions from employees (as beneficiaries of the trust)

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.

We then carry out all the administration on behalf of the trustees, in return for a fee. 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.

Our dedicated account-management team provides day-to-day support, from sending out new-joiner packs, to helping with tax queries or contributing to the analysis of management information in meetings with trustees and group administrators.

Added value

With us managing the membership 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.

With a Private Medical Trust from Aviva, your clients will also have access to a wealth of healthcare experience and medical expertise - potentially helping improve employee health, and helping people to return to work more quickly when they’ve been off. All of which can raise productivity across the business.

We can also help to raise awareness of Aviva’s relationship with your client, promoting services such as:

  • The Aviva Digital GP app - giving your clients' employees included on the scheme swift and convenient access to unlimited GP video consultations and the ability to order repeat NHS prescriptions in-app with free UK delivery (all NHS England exemptions accepted). Please note, Aviva Digital GP is available to residents of Great Britain, Northern Ireland, the Channel Islands and the Isle of Man 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. Aviva Digital GP is powered by Square Health. This service is a non-contractual benefit that can be withdrawn by Aviva at any time.
  • MyAviva - beneficiaries can see full details of their scheme, start and update their claims online and enjoy discounts on a selected range of Aviva products - these could help to enhance your client's profile and perception among employees

Can we help you?

Want to talk about setting up a new trust?

Call us on 0800 206 2178, or email us at


Lines are open Monday to Friday, 9am to 5pm.

Calls to and from Aviva may be monitored and/or recorded.

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