84.9%Grade/level restricted
84.9% of organisations in the lumi HR community answered “Grade/level restricted” on private medical insurance (PMI) eligibility rules (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 |
|---|---|
| PMI not offered | 0% |
| All employeesrare | 7.6% |
| Grade/level restrictedcommon | 84.9% |
| Service length requirementrare | 7.6% |
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
How employees qualify for PMI — all staff, grade-restricted, or subject to a service requirement. 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 reports 18% (base: all-UK / large split).
Source: lumi HR, UK Reward Metrics, September 2026, lumihr.co.uk/metrics/private-medical-insurance-pmi-eligibility-rulesLast updated 19 September 2026 · Data licence: CC BY 4.0 for the figures in the CSV download.
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