Over 20 AFM members are involved in healthcare.  We estimate that each year our healthcare and protection members pay claims of around £400 million.  A significant proportion of these claims produce direct savings to the National Health Service.  Our members also provide rehabilitation support, which enables employees to get back to work earlier, saving their empoyer, and the welfare state, money.

We covered these issues and provide case studies of the work of the sector in our response to the government's Green Paper on 'Improving Lives', which you can download here.

In November 2017 we launched new independent research, from OAC consultants on the contribution of the sector to savings in the NHS and welfare state, as well as for employers and individuals.  The report is available to download here.

Following this, AFM presented a proposal to HM Treasury, for it to exempt mutual health cash plans from Insurance Premium Tax.  IPT had had a very harmful effect on this market, and OAC's report contains estimates that the total benefits to the welfare budget and society in general of an exemption would significant exceed the amount of IPT paid.