An organisation supporting a diverse range of UK agricultural and horticultural sectors, both in the UK and abroad.

"Direct Healthline … the service is first class, they provide regular claims statistics and liaise directly with the provider supporting on administration and one to one member queries. At the last renewal the health insurance provider proposed a 2.7% decrease… Direct Healthline negotiated the decrease to 15% resulting in an annual saving of circa. £40k"

Senior Payroll and Benefits Manager

Client for 10 years

500 Employees

Geographically dispersed membership including overseas

  • Previous brokers were only reactive, we were instructed to undertake a strategic health benefits review

  • Migrated five separate PMI schemes, with different levels of cover, to one simplified arrangement - resulting in a £36,226 year one saving 

  • Costs continue to be controlled by undertaking annual reviews:

    • Costs in 2014 were 22% lower than in 2010

    • Increases from 2016 to 2020 have averaged 3.8% per annum

    • A 2.7% decrease at the 2020 renewal was increased to 15%; an annual saving of £39,868

  • Outsourcing scheme administration to us resulted in central cost saving, risk management, and improved communication of staff benefits

  • We work on a four year fixed rate fee to give cost transparency

Client for 9 years

50 Employees

Headquartered in London

  • Private Medical Insurance, Health Cash Plan and Employee Assistance Programme

  • High claiming history and unable to move group due to on-going treatment

  • Despite this at the 2020 renewal:

    • Terms originally invited on an increase of 14%

    • Following market review this was decreased to -2% on current terms

    • Total saving £18,200

    • Terms are now lower than the previous policy year

  • Cost is a key factor but the company is primarily concerned with staff health and wellbeing

  • Committed to excellence in all that they do, the senior team wanted to reward employees – we helped them do just that

Banking and


A leading UK social impact investor, funding change for a more sustainable future

“Direct Healthline provide us with the premier level of service that we expect.  We have worked with them since start up 8 years ago and they manage all our staff health benefits.  They are responsive and knowledgeable.  They understand the markets very well and have, without exception, worked to deliver the best outcomes for us as an organisation and for our staff”

Head of Operations



£180m per annum Education and Health Research institution

“Thank-you so very much, as always you never cease to impress me!”

Financial Controller

Client for 14 years

3,000 staff

in 100 countries 

  • Direct Healthline Limited manage Global PMI cover for staff undertaking high risk projects in challenging remote locations

  • We manage formal Supplier Tenders, scheme administration and claims support

  • Over 14 years, successfully managed two provider changes and actively controlled costs:

    • 2014 – Formal Tender resulted in a new provider

    • 2015 – first year increase was less than the Tender renewal cap of 9%

    • 2016 – 10.9% increase reduced to 2.4%

    • 2017 – 16.7% increase reduced to 1.7%

    • 2018 – 8% increase reduced to 5%

    • 2019 – 15% increase negotiated down to rate reduction of 2%

  • Resulting in 5 year cost savings of £198,356 on renewal terms, with enhanced cover


Client for 13 years

500 employees

Equally split UK and overseas

  • Requirement for strong cost control, annual reviews, and high take up, the PMI scheme must deliver value, low P11D, and strong Corporate cost control

  • A premium renewal rate guarantee and excess management have successfully manages costs ensuring scheme longevity

  • Premiums increased by only 5% in total in the first four years and by only 8% since 2011, despite decreasing excess levels

  • We provide creative employee communications and undertake ’Wellness Days’ presentations ensuring that the scheme is appreciated by all

  • Recent business expansion and cost savings means we are assisting with putting in place a Cash Plan, Group Life Cover, Permanent Health and an EAP

  • We also manage global health cover ensuring that overseas placements have locally compliant cover in region 


An international Education Company with global footprint in over 100 countries

“You have been wonderful. Thank you for everything”

Accounting Manager

“You guys are amazing!!! Getting this sorted in record time. I don’t know of any company which provides that great service. Amazing!! 😉”

Scheme Member

Mining and Energy

A global logistics provider focused on energy markets, owning and operating ports, port terminals, warehouses and transport assets.

“Direct Healthline has been excellent in helping us find the best suitable option, Isobel has always been very efficient, helpful and patient. We have consistently had a very good service”

Executive Assistant

Client for 5 years

500+ employees

with 12 offices globally


New scheme set up in 2015 – with a change of insurer in 2018

  • Focus is to provide top level, market leading cover for all employees globally

  • Highly bespoke benefits arranged with an IPMI Provider including;

    • Full Out-Patient cover

    • Therapies – including Ayurvedic & Traditional Chinese Medicine

    • £1,250 for Wellness Checks

    • £3,000 Dental to include Implants and Orthodontics for Adults

    • £1,250 Vaccinations & Full Cover for Drugs & Dressings

    • £750 Optical Cover

    • Unlimited Private GP cover

  • Including ‘White Glove’ Admin and Claims support



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Client for 22 years

150 employees

in 40 countries

  • Direct Healthline managed the PMI and EAP, both in the UK and globally

  • With many high earners and staff in challenging locations, this client expects and received the very highest levels of service

  • 2020 renewal, we achieved an annual saving of $44,692 

  • Transferred the scheme to another provider, improved benefits and secured a year one rate increase guarantee of under 10%, which is difficult in this risk location

Oil and Gas

A subsidiary of a global commodities, trading and logistics group

“Direct Healthline.....their service is outstanding.  Reliable and honest.  I have no doubt that they provide the best options to us year on year"

Regional HR Manager



End to end market leading commercial property advisory business

"Thank you Isobel. I hope you and all the team at Direct Healthline Limited are well? Healthcare and insurance are more important than ever now. You have always helped us navigate these areas so well."

Operations Partner

Client for 3 years

50 Employees

Based in London


  • The PMI scheme was placed directly with an insurer

  • Rates had never been ‘sense checked’, a robust review was long overdue

  • 2018 a 26% increase was proposed

  • A full market review resulted in a 30% premium reduction, saving £41,189

  • Travel cover was also included without surcharge

  • 2019 a 14% increase was negotiated down to a 9% decrease, saving £19,586

  • 2020 we reduced a 14% increase down to 6%, with a saving of £7,135

  • In view of these savings - over £67,000 across 3 years - other benefits are now proposed, including a Health Cash Plan, Life Cover, EAP and Key Man insurance.


Client for 7 years

250+ Employees and Partners

Operations in Europe, Africa and Asia

  • Strategic review of legacy UK Employee Benefits

  • The PMI cover was fragmented, with different levels of cover split between two providers

  • We consolidated the schemes resulting in first year cost savings of £93,843

  • Allowing the Company to introduce Health Cash Plan with the saving

  • Reduced PllD value and enhanced health and fitness benefits resulted in improved engagement, helping to keep employees fit and well

  • Following this we were engaged to manage their Global Benefits

Public Relations

British multinational public relations, reputation management, comunications and marketing company headquartered in London

"You guys really are amazing"

HR Manager



Award winning fashion, lifestyle and celebrity news magazine publisher, with global readership

“You guys have been so great, I really would be lost without you and your kind and patient way of helping me to understand things, time and time again, will not be forgotten”

HR Manager

Client for 14 years

200 Employees 

Magazine launched in 1988

Digital version launched in 2001​



  • Keen to maintain a high level of cover to reward and retain staff including Group Life, PMI and a Health Cash Plan

  • High PMI claims over a protracted period, our challenge was to maintain cost effective cover

  • We restructured hospital access and introduced a PMI Excess - the saving funded a Health Cash Plan, providing enhanced staff Wellbeing benefits and an Excess Reclaim 

  • Improved claims performance resulted in a 2% premium decrease at the 2020 renewal

  • We performed a full review achieving a further significant saving of £30,387 with a new insurer, on equivalent/enhanced cover

  • The scheme transferred successfully without issue under a transitional claims agreement.

  • Renewal communications were fully managed by us, ensuring staff were reassured of continuous cover and appreciated the improved P11D value

Client for 5 Years

SME with 7 Scheme Members

Established in 1984


Controlling costs for SMEs:

  • 2015 - 15% increase applied by the holding insurer.  Negotiated 20% discount with an annual saving of £7,020

  • 2016 - 14% increase proposed, changed insurer for a 49% discount - annual saving of £17,472

  • 2017 - 14% increase applied by holding insurer - negotiated 3% discount

  • 2018 - 12% increase applied by holding insurer - negotiated 5% discount

  • 2019 - 12% increase applied by holding insure.  Negotiated 16% decrease with an annual saving of £3,396

Premiums are 32% lower than they were when we took over in 2015 due to active cost control

Retail and


30 years of expert advice, project management and consultancy in logistics, supply chain and warehousing, for retailers and manufacturers, in the UK and worldwide

“This all looks great, many thanks for your time”

Finance & HR Manager


Science and Technology

Multinational software company, designing enterprise tools and systems across 45 industries

“This is good news, such a great scheme when you get this sort of profit share. Thanks for looking after our scheme so well”

Regional Purchasing Manager EMEA North

Client for 11 years

1,000+ UK Employees

45 years' global experience

  • Client’s stated major objective was simply to control overall costs to the business 

  • In year two we negotiated a market leading Profit Share arrangement, which to our knowledge was the most generous available on the market

  • At 75% rebate below 94% of the Claims Fund the Company received the majority of the underwriting profit without sharing in the risk

  • Profit Share rebates of over £150,000 delivered to the Client

  • Acting as broker for PMI delivered average increases of less than 3.5% for PMI over a three year period, and held rates for the Dental cover 


Client for 6 years

6,000 Employees

Times Top 25 Best Companies to Work For

  • Requirement for exciting and engaging employee benefits for a young active workforce

  • We helped implement an award winning Voluntary wellbeing benefits scheme

  • Delivery is via an online portal, supplemented with onsite promotional briefings

  • Direct Healthline now also manage EAP, Occupational Health Services, and the core benefits of PMI and Group Life cover 


Sport and Leisure

Europe's leading health, sport and leisure group, with 116 clubs - 100 in the UK

“I cannot thank you enough, I do appreciate that you have gone above and beyond and I am so grateful.  Thank you so, so much”

Reward & HR Policy Manager


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