PMI Savings Calculator
Heka sits alongside your existing Private Medical Insurance, preventing conditions before they escalate into expensive claims. Adjust the inputs to see your potential annual saving.
UK average is £900–£1,800. Check your last renewal invoice.
Your current annual PMI spend
£600,000
Heka works alongside your existing PMI - not instead of it. This calculator estimates how much your PMI renewal could reduce when employees use Heka's preventative health platform every day.
Potential annual PMI saving
Conservative: £108,745|Optimistic: £217,490
Heka users access early physio daily, stopping MSK conditions escalating into your PMI pathway
Heka's everyday mental health tools stop conditions escalating into long-term PMI claims
Fewer claims means a lower renewal increase at your next cycle
Estimated MSK cases resolved via Heka before reaching your PMI
Average PMI claim value increase since COVID without intervention
Of Heka usage is for preventative health
Estimated mental health cases supported via Heka before reaching your PMI
Estimates show potential PMI renewal savings when Heka is added alongside an existing PMI policy. Based on UK PMI market data, Heka customer outcomes, and published industry research. Figures are illustrative.
Heka sits before your PMI - not instead of it. Your PMI stays in place for when it's genuinely needed. Heka handles everything earlier.
A physio search, a sleep query, a mental health concern. Heka sees the signal the moment it appears.
Your existing benefits plus Heka's library are matched to that individual's need in real time.
Preventative action at the point of intent, before the condition worsens and before it becomes a PMI claim.
A lower claims ratio means a lower renewal. Your PMI remains in place for complex and acute care - it just gets used less often.
Case study
870 employees made 3,200 health and wellbeing bookings across 50+ categories on Heka, shifting from reactive care to everyday preventative engagement. Fewer conditions reached the PMI pathway - and that changed their renewal outcome.
employees engaged in year one
health and wellbeing bookings
bookings per employee
of Heka usage is preventative health
of preventative bookings reduce PMI claims
of users book a health benefit at least quarterly
of HR teams notice healthier habits in their workforce