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Protecting the unprotected

Our fair deal insurance products have been making a difference to the working backbone of the UK for over 35 years.

Update: To help protect and support your workforce during the Coronavirus (COVID-19) pandemic, we have an Emergency Employee Protecton Plan available. Find out more now

The rise of the gig economy, a challenging economic climate and changes to the national living wage have all contributed to the changing expectations of employees. Increasingly we, as employers, are expected to provide wellbeing and financial support to fill a growing void on critical societal issues.

Whilst we all strive to be an employer of choice and deliver the best employee deal that we can, budgets are finite and it’s becoming increasingly hard to balance the needs of the business with those of the employee. Through our range of insurance products, we enable employers to plug any gaps they may have in their current provisions by providing their workers with easy access to cost effective, individual policies.

Personal Group’s simple plans are a single premium, secured for the lifetime of the policy, that provide your employees with peace of mind if the unexpected happens - all for the price of a cup of coffee a week. Our goal is to make sure every employee feels safe, confident and supported – both inside and outside of the workplace, for a price that is affordable to them

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We offer three main packages that will keep your employees and their families financially secure if they need to take time out of work to attend a hospital appointment or whilst recovering after a hospital stay, and, if the worst happens, our Death Benefit Plan will pay out to your employees’ estate. 

We help an average of 18,000 customers each year

Our Location Management Team will work with you to arrange unique face-to-face meetings at a time and place that is convenient for your workforce. This unique approach enables us to achieve engagement rates of 80% for clients whilst ensuring you have a protected workforce.

Hospital Plan

Going to hospital can be daunting enough. We aim to make employees’ lives easier with this comprehensive plan covering visits to any hospital, anywhere in the world. Cash sums are available for outpatient appointments and, importantly, cover people for any overnight hospital stay – paying out from the very first night, allowing them to focus on what really matters. 

  • Cover available for the employee and their family (partners and children)  
  • Cover for up to 730 nights in hospital per claim
  • Worldwide cover 
  • Includes a double payment for the first night of an overnight stay for any new condition
  • Hospital outpatient treatment included (maximum of two outpatient visits per plan year)
  • Pre-existing conditions covered from point of policy take up – conditions apply 
  • Simple and efficient claims process

Convalescence Plan

Employees will receive a payment while they convalesce following a successful overnight claim on their Personal Group Hospital Cash Plan Policy.

  • Cover available for employees from the first day following a hospital inpatient stay
  • Up to seven days are paid while employees are at home, under the care of their doctor
  • Cover for any injury or illness that began before the policy started
  • Pregnancy and childbirth are covered ten months from the start date of the employee policy
  • Additional seven convalescence days are added for each period of six month no claims

This plan is available to employees between the ages of 18 and 69 who have held a Personal Group Hospital Plan for at least three months and continue to hold a Hospital Plan.

We pay out on more than 32,000 claims per year

Death Benefit Plan

A loss in the family can be a difficult time, and financial difficulties are a burden that can only add to the stress. Our flexible plan pays out a lump sum to an employee's estate in the event of death from any illness or injury, no matter what the cause. With an additional benefit for accidental loss of life, and no lifestyle questionnaires or medical underwriting to worry about, employees can tailor options to suit their policy to their personal circumstances. 

  • Cover available for employees, their partner, and children
  • A choice of benefit options
  • Accidental death cover
  • Full cover for death from pre-existing conditions – after an initial insurance term 
  • Cover available for adults up to 70 years old

We pay out more than £6.3m in claims per year

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The Power of Happiness

Our business is built on one simple fact: happy people are more productive at work.

We believe providing a great employee experience is the key to unlocking happiness. When people feel like they make a difference, they do.

PG whitepaper

The Business of Engagement:

Improving Productivity through People


13 August 2019

Personal Group Holdings Plc will be announcing its Interim Results for the six months ended 30 June 2019 on Tuesday 17th September 2019.

Read more

Case Study

Oxford Bus Company drives employee engagement levels to 81% through Personal Group’s mobile-first offering