Simply Communities

Introducing the launch of Simply Communities, a hybrid version of community rating and new pricing approach designed to better meet the needs of SME clients with under 250 policies

Making renewals fair and affordable for all

Smaller organisations are often exposed to large premiums when staff use their policy , giving bigger companies an unfair advantage in improving health and wellbeing and recruiting talent.

Simplyhealth want to make healthcare fair and affordable for companies with under 250 employees as smaller companies were being impacted by sizable price increases when only a small number of employees used their plan. By giving companies the benefit of a larger risk pool, we can ensure less volatility in terms of price and provide the same advantages of being a larger company.

A sustainable solution:

By being part of the community pricing pool, clients with less than 250 employees are at a lower risk of high premiums at renewal

Clients with a claims loss ratio of up to 90% will only receive a 5% increase in premium at renewal

There is no compromise on the product with all providers and service levels remaining the same

So, what does this look like for you?

Simply Communities is a new pricing approach designed to better meet the needs of our SME clients with under 250 policies.

This hybrid version of community rating means clients with a CLR under 90% will receive a 5% increase. For schemes over 91%, the increase applied is outlined in the table below.

Community banded rating


Client CLR Increase Typical increases outside community rating
CLR between 0 – 90% 5% increase  
CLR between >90% - 120% 20% increase 91% CLR – 36.5% increase
CLR between >120% - 150% 35% increase 121% CLR – 81.5% increase
CLR >150% 50% increase 151% CLR – 126.5% increase

Frequently asked questions

Is this change permanent?

Does this apply to all plan types?

When is this effective from?

What MI is available?

What if I want a better or different rate?

Does the <250 figure include partners and children?

Speak to your Account Manager for more details by contacting [email protected]