Healix Health is a UK company that runs healthcare trusts and handles medical claims for employers and insurers; its health services are sold to businesses, so most people meet the name through an employer's scheme or an insurer's claims line. If you have met the name on a membership card, a claims email or an employer benefits portal, you are probably covered through work, and what matters is how your employer's scheme is set up. If your Healix card goes with the job, cover of your own will be the next question. Individual policies are what an FCA-authorised broker can discuss on a call-back, at no cost; ask for one in the form on this page.

Who Healix is, in its own words

The group's home page says it began in 1992, when two doctors, Dr Paul Beven and Dr Peter Mason, set up a medical assistance provider. Healix Health, the UK corporate healthcare arm, describes itself on its About page as founded in 2000 and "a UK-based specialist in corporate healthcare trusts". The same page claims 100+ clients and more than 200,000 members, and Healix's own provider-network page claims more than 35,000 specialists. These are Healix's figures about itself, read on 29 October 2026, not independent measures.

Healix's registered details sit on its regulatory page, last updated 16 June 2025. Healix Health Services Limited is listed as an Appointed Representative (FRN 470828) of Healix Insurance Services Limited, which is "authorised and regulated by the Financial Conduct Authority (FRN 437248)". The Healix Health Services fee schedule guidance gives the office as Healix House, Esher Green, Esher, Surrey. The wider Healix group also runs an international arm, Healix International, with companies registered in several countries; this page is about the UK health business.

What a healthcare trust is, and how it differs from a policy

Healix's own explainer on trusts versus private medical insurance puts it plainly: "rather than paying a premium to an insurer you create a trust for your claims which a trust administrator then uses to pay for healthcare as and when it’s needed." The employer pays for the cost of the healthcare used plus an administration fee, and Healix's page says the employer keeps any surplus in the fund if claims come in lower than forecast. The employer also carries more of the financial risk than with a policy, which Healix says can be capped with a stop-loss facility.

For an employee that is mostly invisible. Healix says a trust can mirror the experience of insurance, and its trust pages say an employer can replicate an existing insurance scheme. What is different is who decides the rules: the benefits are set by the employer with Healix, not by an insurer's standard product, so employees of two different employers can hold Healix cards and have quite different cover. That is why the scheme guide your employer gives you matters more than anything written about Healix in general.

Your own paperwork is the place to look for what your scheme pays for, including any excess, out-patient limits and hospital list. For how a company scheme works and how it is taxed, see private health insurance through work and the tax and cost page.

Healix as the claims handler behind an insurer

The other side of Healix is outsourced claims management, which its site also calls third party administration: handing over "the coordination of medical care to a trusted partner". Healix says it manages the whole process, from sourcing private treatment and booking appointments to handling invoices, and that it serves insurers as well as employers.

That explains why the name appears on policies that are not Healix policies. National Friendly's My PMI conditions give an email address at healix.com for claims and say "Our claims team will ask you questions about your health concern and explain the extent of cover available from your policy and any limitations that apply" (clause 3.8, print code PMI PC 08.26); the insurer is still National Friendly, covered in what National Friendly is. Until CS Healthcare transferred its policyholders to Bupa, with regulatory approval for 1 January 2021 (Bupa press release, 17 December 2020), its FAQ said Healix had processed its claims invoices, including hospital and consultant bills, since May 2017, and that "Our members remain insured with CS Healthcare"; that arrangement is history now, as the CS Healthcare review explains. Legal & General's claims page is a different case: among the extra support its protection policyholders may have, it lists a Healix second medical opinion service, for when you claim for a condition covered by your policy, so there Healix gives a specialist's opinion rather than handling the claim. Where Healix does handle claims, the insurer's policy still decides what is covered.

What the Healix fee schedule means for a patient

The fee schedule is a provider-facing price list: hospitals and specialists look up the fee Healix allows for each procedure code. Its guidelines say the fees "are set individually and are regularly reviewed", and that Healix "will pay for professional fees that do not exceed our reasonable and customary rates for procedures that have been authorised by us in advance of treatment taking place".

Three points follow for a patient:

  • Authorisation first. The schedule also warns that a code being listed "does not necessarily mean that it is eligible for cover for all of our members", and tells providers to remind patients to contact Healix before treatment.
  • Fees are bundled. Surgeons' and anaesthetists' fees are expected to include pre- and post-operative care, and the guidelines say components of a single procedure "must not be itemised out and billed separately".
  • Several procedures in one session are normally paid at 100% of the most complex code, 50% of the second and up to 25% of the third, and more than two codes are covered only in exceptional circumstances with a treatment plan sent in advance.

Whether a bill above the allowed fee would fall to you is set by your scheme's own terms, so ask the specialist's office what they charge before you book and check the scheme guide. The guidelines describe the schedule as live and say fees may change at any time, so look at the current version on the Healix fee schedule (read 29 October 2026). A broker can explain how fee limits work on individual policies, free, once you request a call-back on this page.

Bear in mind that this is Healix's own list for the schemes and clients it handles; other insurers set their own fee limits.

If your cover runs through Healix: what to do first

Healix's members page says your scheme guide is the place for everything about your plan, and that you can check cover or start a claim through the Member Zone website or the MyHealix app, and use a Provider Finder to find approved providers. In practice:

  • Read the scheme guide for what is covered and what needs approval before treatment.
  • Contact Healix before booking treatment, since it tells providers to remind patients to do so; the scheme guide gives your scheme's own rule.
  • Use the Provider Finder to check that the hospital or specialist is approved.
  • Ask HR whether the scheme is a trust or an insured policy, because that decides who carries the risk.

If you are leaving the job, keeping your health cover when you leave a company scheme sets out the options insurers give leavers; a trust is not an insurer's scheme and runs on its own rules, so ask HR what happens to your cover on your last day. Picking a replacement is where a broker helps: one call-back can cover individual policies from several insurers, and requesting it takes a few minutes. Whether any individual policy would match what you had at work depends on your age, health and what you want covered.

Questions people ask about Healix

Is Healix an insurer or an administrator?

Healix describes its trusts as "a smarter alternative to traditional health insurance", and a related group company carries the FCA authorisation. For most readers it works as the administrator of an employer-funded scheme, or as the claims handler for an insurer's policy.

Is Healix Health good?

No page can answer that for your scheme. Its About page quotes a Net Promoter Score of +50, but that is Healix's own measure. What you actually get depends on the benefits your employer chose; how to read reviews of a company scheme explains why.

Is Healix International part of the same business?

Yes, they are in one group: the home page says Healix has brought risk management and healthcare services together under one group of companies. Healix International is the global medical assistance and risk side; Healix Health is the UK corporate healthcare business.

Does Healix sell cover to individuals?

Healix's health solutions are presented to businesses: the trust pages are headed "For businesses", and the ConneX digital scheme is sold to employers, with prices that Healix says start from as little as £48 plus VAT per person per year. A broker can explain what individual cover looks like instead.

What is Healix ConneX?

It is Healix's digital healthcare service for smaller employers, with virtual GP access, mental health and musculoskeletal assessments, and, in the ConneX Care package, face-to-face physio and sessions with a counsellor or therapist. Healix positions it as an alternative to private medical insurance. If you have it through work, your employer's package tier decides which services you get.