Healthcare
Trust Solutions
A smarter approach to employee health & wellbeing
At HCML, we believe healthcare should be proactive, not just reactive. Since 2003, we have been transforming healthcare, helping businesses provide flexible care solutions, better employee health outcomes, and reducing costs.
Supporting business growth
The HCML Healthcare Trust is a sustainable, integrated solution designed to help organisations prioritise employee wellbeing as a driver of growth. It provides a practical answer to the challenge of funding healthcare for an entire workforce, while addressing the hidden costs of employee ill-health that often fall outside standard provision.
Cost-effective, inclusive healthcare
Our tiered, flexible model ensures inclusive healthcare options that work for all budgets. By integrating services across physical, psychological, and social wellbeing – using a biopsychosocial approach — we help reduce costs while delivering meaningful support to employees at every level.
The HCML Healthcare Trust stands apart — built on the belief that employee health is not just a benefit, but a strategic business advantage.
Benefits of a healthcare trust administered by HCML
Flexible, tailored benefits designed to meet your organisations and employees’ specific needs.
Broader range of healthcare interventions, beyond traditional insurance offerings.
Broader range of healthcare interventions, beyond traditional insurance offerings.
Efficient navigation of NHS waiting times to reduce employee absence and boost presentism.
Integrated wellbeing benefits focused on absence, presenteeism and holistic health improvements.
Coordinated care approach reducing overlap (e.g. psychological treatments and EAP services.
Seamless occupational health integration with sickness absence management.
Expert administration and trustee oversight to control benefits and costs aligned with your goals.
Our Trust services:
Sole Trust
Fully tailored healthcare solutions for large employers
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Master Trust
Accessible healthcare solutions for SMEs
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How We Manage Claims
A smarter approach to administration
Our Managed Care approach ensures employees receive the right treatment at the right time, addressing their immediate healthcare needs while also providing support to tackle the underlying risk factors that contributed to their condition, helping to prevent future recurrence.
Our Managed Care approach includes standard options such as preferred hospitals and management of practitioners. However, we go further by offering a range of additional benefits.
Why choose HCML?
HCML delivers flexible, cost-effective healthcare trust solutions that put businesses in control of their healthcare strategy. With over 20 years of expertise, we combine data-driven insights, proactive claims management, and a focus on prevention to improve employee wellbeing while reducing costs.
Tailored & flexible solutions
Fully customisable trusts designed to meet your workforce’s specific needs.
Data-driven insights
Advanced analytics to shape smarter health and wellbeing strategies.
Proactive managed care
Ensuring the right treatment at the right time, reducing unnecessary spend.
Extensive provider network
Access to physiotherapists, mental health specialists, and rehabilitation experts.
Cost-efficient healthcare
Our added-value benefits and proactive Care Management approach help optimise treatment
pathways leading to potential cost savings for employers.
Personalised healthcare
Employees gain insight into their condition and contributing health factors, helping them to potentially reduce recurrence risk and improve long-term wellbeing
Would you like to know more?
Let’s talk about how HCML can support your healthcare strategy.
