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.

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How DocTap compares

Why traditional health benefits weren't built for small businesses

Most private medical insurance is designed around large companies. The maths, the admin and the lock-in rarely add up for small businesses. Here's how DocTap compares.

Traditional private medical insurance

  • Pricing : Per-employee premiums of £35–£100+ per month (£420–£1,200+ per year), paid every month whether the benefit is used or not
  • Price drivers : Employee age, team location (London is more expensive than the rest of the UK), and for some providers, employee engagement with wellness programmes
  • Annual cost predictability : Premium increases at each renewal, often above inflation. Renewal negotiations every year
  • Contract : Annual contracts with notice periods to exit
  • What's covered : Often built around hospital cover, specialist referrals and elective treatment — areas most teams rarely need
  • Flexibility of cover : Off-the-shelf SME packages bundle in extras (cancer cover, mental health, premium hospital lists) whether the team needs them or not

DocTap for small business

  • Pricing : Pay only when an employee books within the set allowance — from £55 (video) or £75 (clinic) per GP appointment. No payment for unused appointments within the allowance
  • Price drivers : Cost only scales with increased bookings and added headcount — not demographics, location or engagement with apps
  • Annual cost predictability : No renewals and no contracts — so no annual renegotiation. Companies pay DocTap's regular patient rates, against their allowance and rules, which can be adjusted at any time as the team or budget changes
  • Contract : No contract, no notice period, no minimum headcount or spend
  • What's covered : Day-to-day GP care: diagnosis, treatment, prescriptions, referrals, sick notes, medical letters and more
  • Flexibility of cover : Modular by design. Start with core GP care, and add blood tests, mental health, health screens or other services as the team needs them