Accessible, clinically governed healthcare solutions for SMEs
The HCML Master Trust gives SMEs access to a comprehensive, outcome-focused healthcare model without the cost, complexity or administrative demands of managing your own Trust structure.
Healthcare Trusts
Accessible healthcare solutions for SMEs
Not every organisation has the scale to run its own healthcare trust. But every organisation deserves a solution that works.
A Master Trust allows multiple employers to join a shared healthcare trust scheme, providing access to comprehensive healthcare benefits without the complexity of setting up an independent trust.
Pre-designed care that delivers real outcomes
Employees gain access to a structured package of physical and psychological support including physiotherapy, mental health pathways, sleep and lifestyle interventions designed to improve recovery and return-to-work outcomes, not just provide cover.
Governance and clinical assurance you can rely on
All organisations benefit from HCML’s Trust Board oversight, ensuring care decisions are clinically robust, consistent and aligned to delivering better outcomes while maintaining control of cost
Smarter spend with measurable value
Trusts are exempt from Insurance Premium Tax, creating immediate cost efficiencies compared to insured schemes. Care is directed through NHS pathways where appropriate, with targeted private intervention when delays impact recovery and return to work.
Combined with continuous analysis of claims data and health trends, this ensures spend is focused where it delivers the greatest impact on outcomes and overall cost control.
Why choose an HCML Master Trust?
A simpler way to improve return-to-work outcomes and control healthcare spend without the complexity of running your own Trust.
Could a Master Trust work for your organisation?
A Master Trust is typically the right solution for organisations that:
- Want to improve return-to-work outcomes and reduce absence without the cost or complexity of managing their own Trust
- Prefer a proven, pre-designed healthcare model rather than building a bespoke solution
- Are looking to move away from insured approaches to a more targeted and cost-effective model, benefiting from immediate savings through Insurance Premium Tax exemption
- Need access to clinically governed care and faster intervention without increasing internal resource or administration
- Want better visibility of absence, treatment and outcomes, without the need to manage data and care pathways directly
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 without the complexity of running their own Trust.
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 supporting organisations with a wide range of workforce health challenges
- 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.