Am I entitled to private health insurance and under what terms?

Not unless this is something your employer has agreed to. Any private health insurance benefits should be clearly stated in your contract of employment as an express term.

The provision of private health insurance (except for overseas employment) is usually considered by HM Revenue and Customs as a taxable benefit.

Women who have a contractual right to private health insurance continue their eligibility during maternity leave.

With all contractual benefits, your employer must not unlawfully discriminate against members of staff, for example by making decisions to give or withhold the benefit for a reason relating to one of the protected characteristics, such as sex, sexual orientation, disability, race, religion or age.

If the contractual benefit is available to full-time workers, it should also be offered to part-time workers, unless the employer has a legitimate business justification for not offering the benefit to part-time workers. That reason should be about more than just saving money.

Note: This content is provided as general background information and should not be taken as legal advice or financial advice for your particular situation. Make sure to get individual advice on your case from your union, a source on our free help page or an independent financial advisor before taking any action.

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