75.7%Out-patient cover (consultations, diagnostics, scans)
75.7% of organisations in the lumi HR community selected “Out-patient cover (consultations, diagnostics, scans)” for pMI scheme components beyond core cover (base: 185 organisations, 2026 H1; organisations could select more than one).
Figures describe organisations in the lumi HR community, not a random sample of UK employers.
How UK organisations answered
| Answer | Share of organisations |
|---|---|
| Out-patient cover (consultations, diagnostics, scans) | 75.7% |
| Virtual / digital GP access | 68.1% |
| Physiotherapy / MSK / therapies | 58.4% |
| Full mental health cover (in- and out-patient psychiatric care and therapy) | 49.2% |
| Cancer care pathway | 43.2% |
| Health screening / assessments | 42.2% |
| Dental & optical | 27.6% |
| Complementary therapies | 25.9% |
| Overseas / worldwide cover | 24.3% |
| Menopause & women's health support | 18.9% |
| None of these — core cover only | 3.2% |
Definition
Which enhancements the organisation's private medical insurance includes beyond core cover, such as out-patient, mental health, physiotherapy or dental. See the methodology for how the base is built, how not-applicable answers are handled, the public floor, and which organisations are excluded.
Source: lumi HR, UK Reward Metrics, September 2026, lumihr.co.uk/metrics/pmi-scheme-components-beyond-core-coverLast updated 19 September 2026 · Data licence: CC BY 4.0 for the figures in the CSV download.
See how your organisation compares
Members see their own organisation against the peer group, by sector and size, on every metric.
Book a call