Why Choose Curis Healthcare
Tailored Insurance Solutions
Focus on Employee Wellbeing
Specialists in
SME Needs
Cost-Effective
Strategies
Fast response
time
One contact for all benefits
About Curis Healthcare
At Curis Healthcare, we deliver tailored insurance solutions that prioritise the wellbeing of your employees and the security of your business. We specialise in employee benefits, private healthcare, group risk, and business protection for UK SMEs. Our goal is to create cost-effective strategies that improve employee retention, increase morale, and ensure long-term resilience.
HEALTHCARE
Secure your team’s everyday health and wellbeing. Healthcare benefits ensure your employees have access to fast, reliable medical support from routine check-ups to more complex care. We work with you to implement a healthcare strategy that improves wellbeing, reduces downtime, and supports business performance.
Private Healthcare
How We can help with private healthcare
Private medical insurance ensures employees receive fast access to high-quality care, reducing absence and improving overall wellbeing.
Key features include:
• Quick access to consultations, diagnostics, and treatment
• Choice of hospitals and consultants
• Comfortable, private facilities
• Options to cover dependants
Our Private Healthcare Providers include:
Health & Wellbeing Cash Plans
How We can help with cash plans
Cash plans reimburse your employees for routine healthcare expenses like optical, dental, physio, and more at a manageable cost to your business.
Key features include:
• Quick access to consultations, diagnostics, and treatment
• Choice of hospitals and consultants
• Comfortable, private facilities
• Options to cover dependants
Our Health & Wellbeing Providers include:
Dental Insurance
How We can help with Dental Insurance
Dental insurance gives your team access to both NHS and private dental care, supporting better health and fewer days off work.
Key features include:
• Cover for preventative and major dental treatment
• Reimbursement for NHS or private charges
• Customisable options for different budgets
• Add value to your employee benefits package
Our Dental Insurance Providers include:
Group Risk
Protect your people through life’s unexpected challenges.
Group risk ensures employees and their families are financially supported in the event of death, serious illness, or long-term absence.
We help you create a comprehensive package that supports wellbeing, attracts talent, and provides reassurance when it matters most.
Group Life Assurance
How We can help with Group Life Assurance
Group life cover provides a tax-free lump sum to beneficiaries if an employee passes away giving peace of mind to your team.
Key features include:
• Lump sum benefit based on salary
• Tailored cover levels for different employee types
• Tax-efficient for both employer and employee
• Supports employee wellbeing and retention
Our Life Group Assurance Providers include:
Group Income Protection
How We can help with Group Income Protection
Group income protection pays a percentage of salary if an employee can’t work due to illness or injury helping them through recovery while supporting your business.
Key features include:
• Income replacement after a deferred period
• Support with return-to-work plans
• EAP and rehab services often included
• Enhances loyalty and financial resilience
Our Group Income Protection Providers include:
Group Critical Illness Cover
How We can help with Group Critical Illness Cover
Pays a lump sum if an employee is diagnosed with a serious illness helping them handle treatment costs and financial strain during a tough time.
Key features include:
• One-off payment on diagnosis of a specified illness
• Can be extended to cover dependants
• Emotional and practical support services
Business Protection
Secure your business against life’s unexpected events.
Business protection ensures your company can continue operating smoothly, even if a key individual is no longer able to contribute due to death or critical illness.
We help you design a strategy that protects your operations, leadership, and finances.
Shareholder Protection
How We can help with Shareholder Protection
Allows surviving shareholders to purchase shares from a deceased or critically ill business partner’s estate ensuring control stays within the company.
Key Benefits include:
• Prevents external parties gaining control
• Clear valuation and funding method
• Keeps your business stable and future-focused
Key Person Insurance
Protect the people who drive your business.
How We can help with Key Person Insurance
Compensates your company for lost revenue or disruption caused by the loss of a vital team member.
Key Benefits include:
• Financial support for recruitment and continuity
• Helps reassure stakeholders
• Essential for any business reliant on specific talent
Director Loan Insurance
Repay outstanding loans with ease.
How We can help with Director Loan Insurance
Covers the repayment of director loans in the event of death or critical illness avoiding a sudden drain on company finances.
Key Benefits include:
• Prevents unexpected cash flow issues
• Maintains healthy financial footing
• Simple to set up, essential for planning
Relevant Life Cover
Tax-efficient life cover
How We can help with Relevant Life Cover
Provide personal life cover via the business, with no benefit in kind charges ideal for SMEs not part of a wider group scheme.
Key Benefits include:
• Tax-deductible for the company
• Lump sum pay-out is free of income tax, NI, and IHT
• High-value benefit to attract and retain top talent
Our Group Critical Illness Cover include:
Shareholder Protection
Plan ahead for smooth ownership transitions.
Allows surviving shareholders to purchase shares from a deceased or critically ill business partner’s estate—ensuring control stays within the company.
Benefits Include:
Prevents external parties gaining control
Clear valuation and funding method
Keeps your business stable and future-focused
Key Person Insurance
Protect the people who drive your business.
Compensates your company for lost revenue or disruption caused by the loss of a vital team member.
Benefits Include:
Financial support for recruitment and continuity
Helps reassure stakeholders
Essential for any business reliant on specific talent
Director Loan Protection
Repay outstanding loans with ease.
Covers the repayment of director loans in the event of death or critical illness—avoiding a sudden drain on company finances.
Benefits Include:
Prevents unexpected cash flow issues
Maintains healthy financial footing
Simple to set up, essential for planning
Relevant Life Cover
Tax-efficient life cover for directors and key employees.
Provide personal life cover via the business, with no benefit-in-kind charges—ideal for SMEs not part of a wider group scheme.
Benefits Include:
Tax-deductible for the company
Lump sum pay-out is free of income tax, NI, and IHT
High-value benefit to attract and retain top talent
Frequently asked questions
Will our employees be covered for pre-existing conditions?
Yes. Group health policies can include Medical History Disregarded (MHD) underwriting, offering cover regardless of past conditions.
What underwriting options are available?
• Moratorium: Excludes pre-existing conditions for a period
• Full Medical Underwriting: Based on health history
• MHD: No exclusions, ideal for larger groups
• CPME: Transfers terms from an existing policy
Are chronic conditions covered?
Typically, only acute conditions are covered. Some policies offer chronic condition management at an enhanced level.
Does family medical history affect costs?
No. Group schemes use pooled underwriting, so personal or family histories don’t affect pricing.
What is an excess?
The portion the employee pays before the insurer contributes to the claim.
Can employees include their families?
Yes. Many providers allow dependants to be added for an additional cost.
What is a health cash plan?
A plan that reimburses everyday healthcare costs, such as dental and optical treatment.
How does it differ from private healthcare?
Cash plans are for routine care; private healthcare covers treatment for illness or injury.
Can employees include family members?
Yes, many providers offer family cover as an add-on.
Is it a taxable benefit?
Usually yes. However, the added value to employees can outweigh the tax cost.
What is group risk cover?
A category of insurance benefits including life assurance, income protection, and critical illness cover.
Are all employees eligible?
Usually, yes—though some plans have eligibility based on employment status, hours, or probation.
Can cover vary by role?
Yes. Different cover levels can apply based on roles or seniority.
Is group risk cover taxable?
• Life Assurance: Tax-free if written into trust
• Income Protection: Premiums not taxed, benefits taxed as income
• Critical Illness: Lump sum is taxable
What happens when an employee leaves?
Cover ends but continuation options may be available privately.
What is business protection insurance?
It covers your business against the death or serious illness of a key person, director, or shareholder.
What types of business protection are there?
• Key Person Insurance
• Shareholder Protection
• Director Loan Protection
• Relevant Life Cover
How does Relevant Life Cover work?
The business pays premiums; the benefit is paid tax-free via a trust to beneficiaries.
Is it tax-deductible?
In many cases, yes. Especially for Key Person and Relevant Life policies.
Can this help with succession planning?
Absolutely. Shareholder Protection helps maintain business continuity and control.
Is it suitable for small businesses?
Yes. SMEs often rely heavily on a few key individuals—making this cover essential.
Our Insurance Partners include
