49.7%No excess
49.7% of organisations in the lumi HR community answered “No excess” on pMI employee excess or cost-share (base: 185 UK organisations, 2026 H1).
Figures describe organisations in the lumi HR community, not a random sample of UK employers.
How UK organisations answered
| Answer | Share of organisations |
|---|---|
| No excesscommon | 49.7% |
| Excess per claimalternative | 22.7% |
| Excess per yearrare | 16.8% |
| Employee co-pays premiumrare | 10.8% |
Common, alternative and rare describe how each answer sits against the community: the most chosen answer is common; an answer chosen by fewer than one in five organisations is rare.
Definition
The cost employees bear on private medical insurance, from no excess to a per-claim or annual excess, or contributing to the premium. See the methodology for how the base is built, how not-applicable answers are handled, the public floor, and which organisations are excluded.
For context, CIPD Reward Survey: Focus on Employee Benefits 2026 reports 18% (base: All-UK employers, n=1,059, weighted to UK business population).
Source: lumi HR, UK Reward Metrics, September 2026, lumihr.co.uk/metrics/pmi-employee-excess-or-cost-shareLast updated 19 September 2026 · Data licence: CC BY 4.0 for the figures in the CSV download.
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