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 March 2022).

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 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.

To help your clients look after the health and wellbeing of their employees, our private medical trusts include the following added extras each year.

  • 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 can 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.
  • Aviva Digital GP* - Provided by Square Health. The Aviva Digital GP app can give your clients’ employees and their covered dependents over 16 around the clock access to GP video consultations and repeat NHS prescriptions (all NHS England exemptions accepted) at the touch of a button. 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.
  • Stress Counselling Helpline -If your clients’ employees are having difficulty with the demands and expectations they face, it’s good for them to talk. They can do this through a secure helpline to trained counsellors, helping them to work through problems and resolve them. Available 24/7. The service is available to members and their dependents aged 16 or over.
  • Aviva Wellbeing app* - Whether your clients’ employees want to sleep more, stress less, lose weight or get fit, 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.
  •  Mental Health Support* - We can support your client’s employees with mental health guidance. Aviva can help manage and improve employee mental health by providing access to helpful information and articles.
  • 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 client employees manage all 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 or update us on an existing one. MyAviva is safe secure and tailored to use on most popular devices. It’s available to download from the App Store or Google Play. Mobile data charges may apply.

*These services are non-contractual benefits that can be changed or withdrawn by Aviva at any time.

Can we help you?

Want to talk about setting up a new trust?

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