Master Trust
Accessible healthcare solutions for SMEs
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.
This enables SMEs to benefit from broader coverage than standard private medical insurance (PMI) while removing the administrative and financial burden of operating their own Trust Deed and Trust Board.
Master Trust benefits:
Access to a pre-designed, extensive benefits package
Covering both clinical treatments (e.g., physiotherapy, mental health support) and wellbeing initiatives (e.g., nutrition, sleep, weight management).
No need for an independent Trust Deed
Eliminates legal fees and administrative complexities, as the Master Trust operates under HCML’s Trust Deed.
Fast & easy access to care
Employees benefit from no GP referral requirements for mental health and MSK conditions and have access to a vast network of specialist consultants and practitioners.
HCML’s expert governance
Operates under the HCML Trust Board, ensuring efficient fund management and compliance.
Simplified administration & risk management
No underwriting or two-year moratorium required.
Data-driven strategy adjustments
HCML regularly analyses claims and risk factor.
IPT savings
Unlike insured schemes, Trusts do not attract. Insurance Premium Tax
The difference between a Sole Trust and a Master Trust solution
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.
Our Trust services:
Sole Trust
Fully tailored healthcare solutions for large employers
Learn More
Overview
Read more about our Healthcare Trust solutions
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