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

There is no automatic entitlement to private health insurance. 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) will be 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 extended to comparable part-time workers, unless your employer can justify treating part-time workers differently on objective grounds.

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.