About WPA Health Insurance
WPA (Western Provident Association) is a specialist UK private health insurer providing health insurance solutions for individuals, families, SMEs and larger businesses. It focuses exclusively on health insurance and related healthcare products, operating as a not-for-profit company that reinvests surplus back into service and member value. WPA is consistently rated highly for service and satisfaction in UK health insurance rankings.
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Perkwise Insight
WPA (Western Provident Association) provides private medical insurance for employers, covering employees’ access to private healthcare such as diagnostics, specialist consultations, hospital treatment, and ongoing care. As a not-for-profit, mutual insurer, WPA focuses on delivering high-quality clinical cover rather than maximising shareholder returns, offering employers flexible scheme design, clear benefit limits, and hands-on support. Its plans can be tailored for small teams or large organisations, with options ranging from fully insured policies to self-funded healthcare trust arrangements for larger workforces.
SMEs seeking health insurance from a not-for-profit provider
Custom quote
470k
Key Features & Benefits
Flexibility Across All Business Sizes
WPA offers tailored healthcare solutions from 2 employees through 500+ corporate members, with genuine scheme customisation at every level.
Most insurers force rigid product tiers that never quite fit. WPA's flexibility means you're not paying for benefits employees don't use while lacking coverage they desperately need.
Shared Responsibility Co-Insurance Model
WPA's innovative co-insurance option lets members share treatment costs through percentage contribution rather than traditional excess. You pay 25% of every eligible claim, with your annual contribution capped at chosen level (£250-£5,000). Once reaching your cap, WPA covers 100% of subsequent eligible claims that policy year. This dramatically reduces premiums compared to full-coverage equivalents while maintaining comprehensive protection.
Shared Responsibility aligns interests: employees have skin in the game (making thoughtful healthcare decisions), while employers save substantially on premiums. World Health Organisation recognised this model as cost-effective innovation. It's perfect for health-conscious workforces wanting comprehensive coverage without high premiums.
Implementation & Support
Setup Process
- Initial consultation: Discuss requirements, workforce demographics, budget expectations
- Scheme design: WPA builds bespoke benefits package matching your specifications
- Quote delivery: Detailed proposal with pricing and coverage summary
- Refinement: Adjust benefit levels, excess options, or optional extras as needed
- Documentation: Policy documents, employee communications, underwriting completion
- Launch: Scheme activation, employee enrollment, app access distribution
Technical Requirements
- Employee data (names, DOBs, start dates, basic demographics)
- Email addresses for WPA Health app access
- Payroll integration (optional for salary sacrifice arrangements)
- HR system connection (optional, not required for smaller schemes)
Support Options
- Dedicated account management team
- UK-based helpdesk
- Email support
- Comprehensive scheme administration and reporting
- Regular scheme reviews and optimisation consultations
- WPA Health app for self-service
- Healthcare Pathways fast-track access
- Health & Wellbeing hub providing confidential expert support
- Online secure messaging for queries