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SMEs with 10+ employees

Health & Wellbeing Plan for SMEs

100% cashback for employees*, quick access to practical health support, simple to run for businesses. From as little as £4 per month^.

Disruption, lost capacity and unplanned costs

A costly burden to UK businesses

£120

Employers lose on average £120 per day in profit from sickness absences, which are at a 15-year high1, and face costs to replace staff which stretch into the tens of thousands each time.

£11,000

Replacing an employee lost to ill-health costs employers over £11,000 including recruitment and onboarding costs1

We support SME teams before issues turn into downtime

£8 return for every £1 invested into an EAP

Businesses can see up to an £8 return for every £1 invested with an EAP (Employee Assistance Programme)1. Our plan can help your employees to return to work and recover through a confidential 24/7 helpline connecting employees with qualified counsellors for emotional, personal or work‑related challenges.

Empower your employees with constant access to vital support, alleviating the need to take time off work for appointments or go off on sick leave.

Up to £99 return for every £1 invested into MSK intervention

By investing into a plan that offers MSK (musculoskeletal disorders) support, your business could see £11 to £99 returns for every £1 invested into MSK intervention1

Our plan combats physical health issues in three ways:

1) Fast access to physiotherapy support for MSK guidance and recovery through a digital app. Assess any condition in minutes and get the right care. 45% of users start treatment within 1 hour of injury and 90% of users report less pain within 1 week2. Progress tracking with clinical oversight and communication.

2) Cashback benefits for physiotherapy to help staff address common physical and health issues early, before they disrupt production.

3) 24/7 GP service offering confidential medical advice, diagnosis and electronic prescriptions.

Absence is a performance risk

When employees are off sick, productivity slows, and overall output takes a hit.

9.4 days

Employees in the UK took an average of 9.4 days off due to sickness3.

4-9 days

Working while unwell can cost employers the equivalent of 4–9 lost productive days per employee each year, due to poorer decision-making, slower recovery, and the risk of spreading illness1.

Our plan also covers

Value for money, reducing employee's personal costs

100% cashback on dental, optical, therapy and more

We offer 100% cashback, up to cash limit set out in the policy, on 12 essential monetary benefits.

  • Preventative care such as health screenings and vaccinations.
  • Includes routine treatments like prescription charges, eye tests, prescription glasses and contact lenses.
  • Supports dental treatments, therapies, and diagnostic scans (MRI, CT and PET).
  • and more...
Digital dentistry support & helpline

On-demand chat support from UK dentists

Covering over 3 million lives and over 22,000 companies4, your employees will have on-demand chat support from UK dentists, a symptom checker and supporting self-care resources.

Digital skin cancer screening app

Track moles and identify potential skin cancer early

1 in 4 men and 1 in 5 women will develop a form of skin cancer at least once in their lifetime in the UK5. The 5 year survival rate is up to 99% if caught at stage I6, but only 22.5% if stage IV7. Our skin cancer screening app will help employees to track their moles and identify whether any could need referral to a specialist.

Digital eye screening

Quick way to check eye health

19 million British people fail to have regular eye tests8. Our online eye screening tool provides instant access to a comprehensive online eye test, that checks vision, astigmatism, visual field and contrast sensitivity, colour vision and depth perception.

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Reimbursements for diagnostics

Unlock faster diagnoses and get money back towards treatments

Give your employees faster access to essential healthcare, helping them get the timely support they need:

  • Claim back some or all costs of private diagnostic consultations
  • Access essential diagnostic scans, including MRI, CT and PET
  • Receive quicker diagnoses and faster treatment pathways
  • Receive a lump sum payment per night for staying in hospital or per day for a day-case surgery.
Get a quote for your business

Big benefits from as little as £4 per month

Our Health & Wellbeing Plan offers flexible options for businesses of all sizes, from as little as 10 employees. Companies can access base levels starting from just £4 per employee per month^.

Make an enquiry

Why get started with BHSF

Flexible funding options

Choose from employer-paid, employee-paid, or hybrid models to suit your budget and give your team choice and control.

Simple implementation

Quick to roll out with ready-made communications and a dedicated support team to guide you every step of the way.

Scalable cover levels

Offer a range of cover options with the flexibility for employees to upgrade — making your benefits package more inclusive and appealing.

Reduce absenteeism & support return to work

Help employees stay healthier and recover faster with accessible care options — reducing downtime and supporting a more resilient workforce.

Support a not-for-profit

Proudly improving lives since 1873, we’re a not-for-profit (profit-for-good) provider, so your needs come first, every time.

Shortlisted health solutions provider

BHSF was shortlisted for several awards in 2025 specifically for our health plan.

Let’s talk about how we can support, get in touch

We’ll talk you through the variety of Health & Wellbeing options we have so you can decide which health plan works best for your manufacturing business.

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Sources and need to know

* We'll pay 100% cashback up to the cash limit. Cashback provided based upon validation of the receipt.

^ Based on base level cover with 10+ employees

1) https://www.gov.uk/government/publications/keep-britain-working-review-final-report/keep-britain-working-final-report

2) Phio Engage data, provided by EQL January 2025

3) https://willerbyhill.co.uk/workforce-wellbeing-in-2025/

4) https://toothfairyapp.co.uk/our-mission/

5) https://www.skcin.org/skincancerinformation/theproblemandfacts.htm

6) https://www.cancer.org/cancer/types/melanoma-skin-cancer/detection-diagnosis-staging/survival-rates-for-melanoma-skin-cancer-by-stage.html

7) https://www.curemelanoma.org/about-melanoma/melanoma-staging/stage-4-melanoma

8) https://www.aop.org.uk/ot/news/2024/09/24/research-suggests-19-million-british-people-missing-routine-eye-tests