Private healthcare for small business, without monthly premiums

A flexible GP-led healthcare benefit. Pay only when the team books — no monthly premiums, no contracts, no minimum spend. Live in minutes from one online account.

The losses that compound

The hidden cost of sickness absence for small business

Sickness absence is a constant for any business, and the impact on small teams is disproportionately large. Much of it traces back to issues that quick GP access can resolve in a single visit.

148.8 million days

Working days lost to sickness in the UK in 2025 — equivalent to one full year of work for over 600,000 people.

4.4 days per worker

The average UK worker loses 4.4 working days a year to sickness or injury. For a 15-person team, that's 66 working days a year.

30.4% from minor illness

Minor illnesses are the most common cause of sickness absence. Most can be resolved with a single same-day GP appointment.

4× higher

Workers with long-term health conditions have a sickness absence rate four times higher — making early healthcare access & diagnostics especially valuable.

Side by side

Why traditional health benefits weren't built for small businesses

Most private medical insurance is built around large companies — full hospital cover, annual premiums, contract lock-in. DocTap is a different shape of benefit: pay-as-you-go GP care for small businesses, with no contracts and no premiums for cover that may never be used. Here's how the two compare.

Traditional private medical insurance

  • Pricing : Per-employee monthly premiums of £35–£100+ (£420–£1,200+ per year), paid whether the benefit is used or not. Premiums vary by employee age, team location and — for some providers — engagement with wellness programmes
  • Annual cost predictability : Premium increases at each renewal, often above inflation. Renewal negotiations every year
  • Commitment : Annual contracts with notice periods and obligations that run to the next renewal — even if the benefit isn't being used
  • Cover and flexibility : Built around hospital cover, specialist referrals and elective treatment — areas most teams rarely need. Off-the-shelf SME packages bundle in extras (cancer cover, mental health, premium hospital lists) whether the team needs them or not
  • Setup process : Broker calls, scheme design, hospital network selection, procurement and onboarding — typically weeks or months to launch
  • Day-to-day admin : Adding employees, removing leavers and managing claims usually go through the broker
  • Team size fit : Designed around larger workforces — minimum policy values, broker fees and bundled extras make per-employee costs disproportionately high for small teams

DocTap for small business

  • Pricing : Pay only when an employee books — from £65 (video) or £75 (clinic) per GP appointment, at DocTap's standard patient rates. Cost scales with bookings, not demographics, location or app engagement
  • Annual cost predictability : No renewals and no contracts — so no annual renegotiation. Companies pay against their set allowance and rules, which can be adjusted at any time as the team or budget changes
  • Commitment : No contract and no notice period. Companies only pay when employees book an appointment, so removing employees from the account ends any further spend straight away
  • Cover and flexibility : Day-to-day GP care: diagnosis, treatment, prescriptions, referrals, sick notes and medical letters. Modular by design — add blood tests, mental health, health screens or other services as the team needs them
  • Setup process : Self-serve online setup in minutes. No brokers, no procurement, no scheme design required
  • Day-to-day admin : Add joiners, remove leavers and bulk-upload changes in seconds — all from one dashboard. No claims, no approvals. Dedicated team support if needed.
  • Team size fit : Built for a sole director or a team of 500. No minimum spend, no setup fees, no per-employee overhead — cost only scales with usage

A realistic example

How the cost works out for a 15-person team

Set the allowance.
5 GP appointments per employee per year for a 15-person team.
Maximum spend.
Around £4,875 a year if every employee uses their full allowance (75 weekday video appointments at £65).
Realistic cost.
Closer to £1,460 a year at typical 30% utilisation.
Compare with traditional PMI.
£6,300–£18,000 a year in premiums for the same team — used or not.

Why DocTap

Everything your team needs to get better quickly

Mental health bento plus physical

Locations

11 London clinics and nationwide video

Same-day clinic appointments across central London, plus video GP appointments anywhere in the UK. No waiting weeks, no app to download.

Prescriptions bento simple

Comprehensive care

A full GP service in one appointment

Diagnosis, treatment, prescriptions, referrals, sick notes, medical letters and more— all covered by the appointment fee.

Home bento clinician

Specialist expertise

UK GPs you can trust

All GMC-registered, many with specialist expertise across dermoscopy, mental health, sexual health, women's health and more. Patients can choose a male or female GP, or someone they've seen before.

Home bento laboratory

Onsite laboratories

Instant test results

Blood tests with results in minutes at select clinics, so diagnosis and treatment happen in the same visit.

Prescriptions bento accurate

Medications

In-clinic dispensing

Many medications are stocked in clinic, saving patients a trip to the pharmacy.

Employer self-serve account setup

How it works

  • 1
    Create your organisation
    Sign up online and add your company details.
  • 2
    Choose your benefit rules
    Set annual appointment limits, eligible appointment types, employee contributions and company-funded balances.
  • 3
    Add your team
    Add staff individually or in bulk from one dashboard, and remove leavers when they leave.
  • 4
    Set up payment method
    Add a company card or speak to us about setting up monthly invoice billing.
  • 5
    Employees book directly
    Employees you've added receive an email invitation to set up their patient profile. From there, they book eligible appointments themselves — DocTap applies the company benefit automatically at checkout.
  • 6
    Track usage without seeing clinical details
    Employers can manage the benefit and billing while employee medical care remains confidential.

Give your team faster access to private GP care, set up in minutes.

Frequently Asked Questions

Can our employees outside London use this benefit?

Yes. While our 11 clinics are in London, video appointments are available for any employee, anywhere in the UK. You can enable clinic appointments, video appointments, or both when setting up your account, depending on where your team is based.

Is there a contract, commitment or minimum team size?

No. No contract, no minimum spend, no notice period, and no minimum or maximum team size — set up an account for one employee or hundreds. You pay only for the appointments your team books, and you can pause or stop the benefit whenever you choose. If you stop, just remove employees from your account — there's nothing to cancel.

How much does an appointment cost?

GP appointments start from £65 for a 15-minute video consultation and £75 for a 15-minute clinic appointment on weekdays, with longer (25-minute) and weekend appointments priced higher. Full current prices are at doctap.co.uk/prices. Your company is charged the standard appointment fee minus any employee contribution you've set, and only when an appointment is actually booked. No setup fees, platform fees, or charges for unused allowances.

What does the private healthcare cover?

Your team's benefit covers standard GP appointments — diagnosis and treatment, prescriptions, referrals, medical letters, sick notes, dermoscopy, and follow-up care — delivered by GMC-registered, UK-trained GPs. DocTap also offers a wider range of services including health screens, mental health counselling, blood tests, sexual health services and minor procedures. These can be added to your benefit on request — get in touch at corporate@doctap.co.uk and we'll tailor the offering around what your team actually needs.