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HCML Sole Trust

Fully tailored, clinically governed healthcare built around your people

The HCML Sole Trust puts employers in full control of their healthcare strategy, enabling a tailored approach that supports workforce needs while reducing absence, accelerating return to work, and delivering measurable ROI.

Why one-size-fits-all healthcare doesn’t work

Every organisation is unique, from its culture and pressures to the health challenges its workforce faces. A one size fits all healthcare plan rarely delivers the outcomes employers or employees need.

Affordable healthcare, tailored to your workforce

Design a model that makes healthcare accessible across your workforce by targeting investment where it has the greatest impact. You control how spend is directed—focusing on reducing absence and supporting recovery where it matters most.

Flexible use of NHS and private care

You can direct employees through NHS services where appropriate, while retaining the flexibility to approve targeted private care when delays are impacting recovery and return to work, balancing cost with timely access.

Care matched to your workforce needs

Using a matched care approach, employees are directed to the most appropriate intervention based on their needs and role  – reducing delays, avoiding unnecessary treatment and supporting faster return to work.

Why choose an HCML Sole Trust?

Take control of healthcare strategy and outcomes – not just cost. An HCML Sole Trust enables a targeted, clinically managed approach that improves return-to-work performance, reduces absence and ensures every intervention delivers measurable value.

Control your strategy and spend

Design and manage a healthcare model aligned to your workforce and absence profile targeting investment where it delivers the greatest impact on outcomes and cost.

Governance that drives better decisions

Operate within a clinically governed framework that ensures care decisions are evidence-led, consistent and focused on improving outcomes and controlling spend.

Data insight that improves performance

Access real-time insight into absence, treatment and outcomes helping you identify trends, optimise pathways and continuously improve return-to-work performance.

Actively managed care that delivers outcomes

A matched care approach, informed by a holistic understanding of each case, ensures employees receive the right intervention at the right time—reducing delays, avoiding unnecessary treatment and accelerating return to work.

Could a Sole Trust work for your organisation?

Sole Trusts are designed for organisations that want full control over healthcare strategy enabling a more targeted, outcome-driven approach to managing absence, improving recovery and optimising cost.

A Sole Trust is typically the right solution for organisations that:

  • Have a large or complex workforce where absence has a direct operational or financial impact
  • Want greater control over healthcare strategy, funding and outcomes
  • Are looking to move away from insured models to a more targeted, cost-effective approach
  • Need better visibility of absence, treatment and return-to-work performance

Why HCML?

We don’t just fund and administer healthcare we actively manage it to improve outcomes, reduce absence and ensure every intervention delivers value.

With over 20 years’ experience, we combine clinical expertise with a proven model that helps organisations improve return-to-work outcomes and gain better value from healthcare spend.

We offer:

  • Proven delivery at scale, with one of the UK’s largest clinical networks, including over 6,000 physiotherapists
  • Active case management, focused on understanding what’s preventing return to work, not just treating the condition
  • Deep experience in managing workforce health challenges, particularly in operational and critical roles
  • Integrated model combining healthcare, occupational health and rehabilitation, ensuring a joined-up approach to recovery
  • Data-led insight to continuously improve outcomes and optimise investment
  • A human, personalised approach, ensuring employees receive the support they need to recover and stay in work

Ready to build a healthier organisation?

Let’s talk about how an HCML Healthcare Trust can improve wellbeing, reduce costs and deliver better outcomes for your people.