What is an employee benefit scheme?

Employee benefit schemes include things such as medical cash plans that you offer to your staff as a benefit.

You can choose to pay for them outright. Or you can act as the bridge between a certain scheme and your staff, where you make it available to them but they pay the cost. Many schemes carry significant discounts, particularly when there’s a large number of staff involved.

Either way, an employee benefit scheme should be an important consideration for any business.

Why implement an employee benefit scheme?

Help to attract and retain talented people

Prove you care about the health and wellbeing of your staff
Help to keep your workforce healthy and motivated which can increase productivity
Keep your employees happy leading to increased loyalty and reduced staff turnover
Lower absenteeism and protect your bottom line

How much does an employee benefit scheme cost?

The cost of implementing an employee benefit scheme can vary depending on the size of your business and the type of scheme you offer.

Factors such as the age of your workforce can affect premiums, as well as the level of cover you choose to provide your staff with.

Group schemes often carry a generous discount, and you could benefit from significantly reduced premiums depending on the scheme you choose and the size of your workforce.

Schemes for all business sizes

Small Business

We have a range of plans ideal for family-run or small businesses, all of which are effective in protecting your staff.

Employee benefit schemes offer greater protection to smaller businesses than larger ones. Why? Simply because there’s a lot more risk to your business losing revenue or productivity if your staff can’t work. If your business can’t run, it doesn’t generate revenue, which means you don’t earn an income.

We can set up a scheme that protects you against these unwanted interruptions, and we can tailor it to suit your business. Whether you want to provide your employees with fast support for everyday medical expenses, or offer them a means of covering their income if they're sick or injured, we can help you protect yourself against the unexpected.

Small Medium Enterprise

Larger than a small business, but not quite the size of a large organisation? We can tailor a plan that’s the right fit for your business.

You know your staff are one of, if not your most important asset. And since you’re a medium-sized business, it’s crucial you look after them, particularly if you’re looking to expand and develop your business in the future.

You can offer an employee benefit scheme - such as a medical cash plan or a form of short-term income protection - to help motivate your staff, boost their productivity, and ultimately protect your bottom line.

What’s more, an employee benefit scheme can be a lot more affordable than offering costly pay rises. We can tailor one, or a combination of the schemes below to suit your business.


Our schemes don’t just help you motivate and retain staff. Many carry generous group discounts, particularly for larger corporate groups.

Today’s workers expect large businesses to offer employee benefit schemes. We can help you meet their expectations.

You can choose to provide your employees with a plan that helps to pay for everyday medical expenses or our Hospital Self-Pay Cash Plan. Or you can offer your employees a form of short-term income protection to cover their earnings if they can’t work with our Lifestyle Protector.

Whichever scheme you choose, you’ll take a smart step towards attracting future talent to your business, and retaining your current workforce.

Income Protection

What is group income protection?
Income protection schemes, or accident and sickness insurance policies, cover your employees’ income if they can’t work due to accident or sickness. Our Lifestyle Protector, which is a form of short-term income protection, pays a monthly cash benefit to cover your employees’ income if they can’t work. The benefit is tax free, and is paid back to the day your employee was signed off sick. Naturally you’d hope they never have to use the policy, and that they remain fit and healthy for work.

Why offer group income protection?
By offering your employees income protection as a benefit, you’re providing them with invaluable peace of mind. If they know they’re financially protected in the event of an extended illness or injury, then they’re likely to feel less stressed. And having a clear and positive mind when they come to work could have a major effect on their output and, most importantly, your bottom line.

How much does group income protection cost?
Our Lifestyle Protector provides your employees with invaluable financial peace of mind, and it starts from as little as 24p* per employee per day. That’s a tiny price to pay for looking after the financial wellbeing of your employees, especially when you compare it to the cost of office parties, Christmas events, or even the cost of milk for your staffs' tea and coffee! *Based on £300 monthly benefit plan, 30-day deferred period, and 12-month benefit period for an individual aged 18-30.

Get a group income protection scheme tailored to your business
Whether you’re a business of three or a large corporate company, we can set up a group income protection scheme which adequately protects your employees’ finances.

Hospital Self-Pay Cash Plan

What is a group hospital self-pay cash plan?
Like private medical insurance, our Hospital Self-Pay Cash Plan enables your staff to benefit from private treatment. However the major difference is that they have to pay for the treatment and then get reimbursed for the cost. It’s an effective way to benefit from private treatment without losing a significant amount of money.

Why offer a group hospital self-pay cash plan to your staff?
Your employees will appreciate a benefit that gives them access to private treatment, and it will help to speed up their treatment meaning they’ll return to work faster. On top of that, they’ll appreciate you providing them with a scheme that helps them look after their health.

How much does a hospital self-pay cash plan scheme cost?
We cater for businesses with 10 or more employees. And the larger the group, the bigger the discount we can offer. You can provide your staff with a hospital self-pay cash plan scheme from just 31p* per employee per day. *Based on a 30-39 year old, part of a group sized 10-49, offering level one cover.

Get a hospital self-pay cash plan scheme tailored to your business
We offer hospital self-pay cash plan schemes to businesses with ten staff or more. Contact us to get a specific quote for a tailored scheme at your business.

Personal Accident Plan

What is group personal accident insurance?
You already ensure health and safety standards are upheld at your business. But accidents don’t care about rules or regulations. They can happen to anyone, anywhere. That’s where our Personal Accident Plan helps to ease the pain and inconvenience by paying your employees a lump sum benefit if they suffer a specified injury – whether at work or at home.

Why offer group personal accident insurance?
You never want a member of staff to suffer a serious accident – whether it’s on your premises or outside of work. But the reality is they can happen to anyone. It’s likely your employee will need to take some time off work to recover, which could have a serious effect on their earnings. You can help to ease the pain by offering them personal accident insurance as a benefit. Of course, you’d hope they never have to use it. So what you’re really providing them with is peace of mind. And knowing you care about their wellbeing could significantly boost their motivation, productivity, and loyalty to your business.

How much does group personal accident insurance cost?
You can offer your employees a personal accident plan from as little as 20p per employee per day*. We provide two plans – Premier and Premier Plus – offering up to £200,000 of benefits. *Based on individual bronze cover on our Premier Plan.

Get a personal accident insurance scheme tailored to your business
The best thing about our personal accident insurance is that there are no excluded occupations. So whatever the industry or business sector you work in – we can create a scheme exclusively for your business.

Medical Cash Plan

What is a group medical cash plan?
Our Medical Cash Plan provides your employees with cash benefits to cover the cost of their routine medical expenses, such as trips to the dentist, optician or physiotherapist. It’s a low-cost benefit that helps your employees look after their health as well as their bank balance.

Why offer a group medical cash plan?
Your employees play a crucial role in the success of your business. Of course, you already know this. But are you doing enough to motivate them and make them feel valued? That’s where our Medical Cash Plan can help. Your employees will appreciate a benefit that helps them cover the cost of their routine healthcare. They’ll regard you as an employer that cares about their health and wellbeing, and could become more productive and loyal to your business as a result.

How much does a group medical cash plan cost?
You can benefit from generous discounts with our Medical Cash Plan. Cover starts from just £1.29* per employee per week. You can choose to offer the scheme as a company-paid benefit, where you pay for the cost outright. Or you can offer the scheme to your staff but deduct the cost from their wages. They’ll still benefit from discounted premiums. *Based on a company-paid scheme with 10+ members choosing £5.60 bronze individual cover.

Get a group medical cash plan scheme tailored to your business
Whether you’re looking for a new scheme, or you want to review your current one and find a better deal – get in touch today.

Products for your industry

Working every day on a construction site or building job can be hazardous. Cushion the falls your workers can’t see coming.

Your workers face hazards every working day on a construction site or building job. Heavy machinery, working at heights, noise, not to mention potential asbestos. Even if your health and safety is up to scratch and fully compliant, there’s no guarantee your workers won’t suffer an accident or injury.

You can protect them and your business against the unexpected by providing an employee benefit scheme.

With two decades worth of experience protecting businesses just like yours, and a range of plans to offer, we can tailor a scheme ideal for you.

Give your staff a nudge of encouragement to achieve their sales and customer service targets.

In an industry where your customers spend a lot of time talking to your staff, especially as they’re making a decision whether to buy, you need to make sure they’re getting the best possible service. You also need a way of motivating your employees to achieve their sales targets so your business can grow and develop.

That’s where an employee benefit scheme can motivate your staff to deliver an impeccable level of customer service and hit their sales targets.

Take a look at the range of schemes we can offer, all of which can be tailored to suit your business.

Show your staff you care about then with an employee benefit scheme from APRIL UK.

You’ll understand better than anyone how a healthy client relationship is essential to the success of your business. Without clients, you can’t make money. Therefore providing a great service is essential. But how can you ensure this?

Simple. Look after your staff with an employee benefit scheme, and they’ll look after your customers.

Take a look at the range of employee benefit schemes we offer, all of which can be tailored to fit your business.

Regardless of the industry you work in, we can find a scheme ideal for your business.

Every business is different, but they all face a challenge to keep their staff motivated and productive. That’s where an employee benefit scheme can help, regardless of the size of your business or the industry you work in.

Your workers might undertake physical labour on a daily basis and need something to protect their health. Or you might be a results-orientated business, in which case your employees could benefit from an incentive that motivates them to hit their targets.

Find out more about the types of schemes we offer, and how we can tailor one that’s right for your business.