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Healthcare Trusts

A smarter way to fund employee healthcare

As private medical insurance premiums climb, HCML Healthcare Trusts give organisations a more flexible, cost-effective route to healthier employees and faster return to work.

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With business and group medical insurance costs rising, more employers are looking for an alternative that gives them control. An HCML Healthcare Trust is an HMRC-approved way to fund healthcare — with any excess funds used to reduce future costs, and a matched-care approach that gets people the right treatment first time.

Master Trust · 500+ employees

A simple, cost-effective route to better return-to-work outcomes

• Ready-to-go benefits that support faster recovery and reduce absence
• No need to establish your own Trust Deed
• Fast access to mental health and MSK support, key drivers of workplace absence
• HCML governance ensuring a matched and managed care approach

Explore Master Trust →

Larger employer with 1,000+ people? Our Sole Trust gives you full control over design, funding and administration, with real-time data on spend and return-to-work outcomes.

Why organisations choose an HCML Trust

• Faster return to work through early, timely intervention
• Matched care — the right treatment, first time
• Clinically managed pathways combining NHS and targeted private care
• Reduced cost of absence in operational and revenue-generating roles
• Data-driven insights to improve outcomes and optimise spend

Ready to build a healthier organisation? Let’s talk.

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HCML
Healthcare trusts, occupational health and workplace wellbeing. For intermediaries and employers.

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