Westfield Health

What Westfield Health does

Westfield Health is a UK-based, not-for-profit health insurance provider founded in 1919 and headquartered in Sheffield. Operating as Westfield Contributory Health Scheme Ltd, the company serves individual consumers, small businesses (under 200 employees), corporates (200+ employees), and intermediaries/brokers, reaching 585,000 policyholders and 8,000+ business clients. Its product portfolio centres on the Good4you Health Cash Plan (five pricing tiers from £8.58/month) and Private Health Insurance (two levels from £8.92/month for a 45-year-old), supplemented by DoctorLine 24/7 virtual GP, Westfield Rewards, Gym Discounts, a 24-hour Advice & Information Line, and the Wisdom app.

The underlying technology stack combines the My Westfield customer portal and native iOS/Android apps for claims, policy management, and benefit tracking; the Evolve intermediary self-service platform for quoting, member management, and real-time claims MI; and Westfield Flex for flexible benefits platforms. Third-party integrations include Epassi (gym discounts) and Reward Gateway Edenred (retailer rewards). Business operations are supported by HubSpot, Auth0, Google Analytics, Hotjar, and WordPress, and the company holds ISO 27001 and ISO 45001 certifications while being FCA/PRA-regulated.

Westfield Health monetises via recurring monthly subscription premiums (individual and per-seat corporate pricing from £1–£6.91/employee/month), with FY2024/25 group revenue of £97m (£77.1m gross premiums plus £20.3m wellbeing trading income). Distribution spans three motions: direct-to-consumer online purchase, sales-led field/inside teams for corporate accounts, and a channel-partner intermediary network managed through Evolve and partnerships with the British Chambers of Commerce and Make UK. As a member-owned not-for-profit, surplus is reinvested into customer experience and community health initiatives (£15m+ donated since 1966).

Name

Westfield Health

Legal name

Westfield Contributory Health Scheme Ltd

Website

https://westfieldhealth.com

Company type

Private

Founded year

1919

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Level-Funded Group Health Plans (FSAIAFAC)

akta.pro secondary industries

Employer Wellness & Population Health Programs (HLAEAAAH), Small Group Health Insurance (2–50/100) (FSAIAFAD)

Keywords

• Health cash plans
• Private health insurance
• Employee wellbeing programmes
• Workplace wellbeing services
• Flexible benefits platforms

Headquarters

HQ city

Sheffield

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Health Cash Plan Premiums: Monthly subscription premiums from individual and corporate Health Cash Plans (Good4you). Five pricing tiers from £8.58/month (individual Level 1) to £52.35/month (Level 5). Premiums billed monthly. Children covered at no extra cost. Revenue recognised as gross premiums.
2. Private Health Insurance Premiums: Monthly subscription premiums from individual and corporate Private Health Insurance. Pricing based on age; for a 45-year-old, starts from £8.92/month (Level 1) and £22.89/month (Level 2) without outpatient benefit. Optional outpatient benefit and excess increase premium. Bills settled directly with hospitals.
3. Wellbeing Solutions & Corporate Fitness Services: Revenue from supplementary workplace wellbeing offerings including corporate gym design/build/management, Mental Health First Aid courses, Employee Assistance Programmes, health screenings, webinars, workshops, and strategic consultancy. Wellbeing trading income reported at £20.3m (FY2024/25).
4. Westfield Flex (Flexible Benefits Platform): Cash plan product designed for online flexible benefits platforms, available as fully or partially employer-paid benefit. Targets companies with 5+ employees, sitting alongside existing PHI cover. Revenue through intermediary/broker channel.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels10 records

Core offering

Westfield Health is a not-for-profit UK health cover provider selling subscription-based Health Cash Plans that reimburse everyday healthcare costs (dental, optical, therapy) and affordable Private Health Insurance covering non-urgent surgery. The company also delivers workplace wellbeing solutions including corporate fitness services, Employee Assistance Programmes, mental health training, health screenings, and consultancy to businesses of all sizes, distributed via direct sales, brokers (Evolve platform), and Chambers of Commerce.

Differentiator

Problem solved

Functional benefit

Brands

• Evolve: A new health cash plan from Westfield Health built for benefits specialists, offering flexible benefits including cash plan and private health insurance integration
• Westfield Flex
• Good4you Health Cash Plan
• DoctorLine
• My Health

Products and services

• Good4you Health Cash Plan A tiered health cash plan available to individuals, couples and families that reimburses everyday healthcare costs including dental, optical, therapy treatments, chiropody, hospital stays, health screenings and maternity/paternity/adoption payouts, with access to DoctorLine, the 24 Hour Advice Line, Westfield Rewards and Gym Discounts. Five pricing tiers from £8.58/month (Level 1) to £52.35/month (Level 5); children covered at no extra cost.
• Private Health Insurance Affordable private health insurance for individuals and businesses providing prompt diagnosis, referral, and fast access to private treatment for covered conditions (excluding heart disease and cancer). Available at two cover levels (Level 1 covers 60+ common surgical procedures; Level 2 covers a wider range), with optional £1,000 outpatient benefit and £100 excess option. No medical history required. From £8.92/month for a 45-year-old (Level 1).
• Corporate Fitness Services (Active Spaces) Bespoke corporate fitness offering including gym design and build, strategic consultancy on workplace wellbeing spaces, and ongoing gym management and engagement services to create Active Spaces for employees.
• Health Cash Plans for Business Business versions of Westfield Health's health cash plans tailored for employers to offer as an employee benefit, starting from £6.91 per employee per month, available to companies of all sizes with options for fully or partially employer-funded cover.
• Business Private Health Insurance Private health insurance solutions for businesses to support employee health and wellbeing, available to organisations of all sizes with tailored packages.
• Employee Assistance Programmes (Healthy Extras) Employee Assistance Programme providing 24/7 mental health, counselling, legal and debt advice support for employees, offered as an add-on to corporate wellbeing programmes.
• Mental Health First Aid Courses Internationally recognised training course designed to raise awareness of mental health, reduce stigma in the workplace and equip managers to support colleagues.
• Strategic Consultancy Strategic consultancy services working with businesses to design and deliver whole-of-population workplace wellbeing programmes aligned with business objectives.
• Evolve Intermediary Platform Dedicated intermediary platform for benefits brokers and consultants enabling self-service quoting, policy management, real-time claims MI dashboards, and digital contract processing for health cash plans and private health insurance combined offerings.
• Westfield Flex Cash plan product designed specifically for online flexible benefits platforms, available to companies with five or more employees as a fully or partially employer-paid benefit that can sit alongside existing PHI cover.
• Health & Lifestyle Screenings Health and lifestyle screening services delivered in workplaces to empower employees to identify health risks and make sustainable, informed lifestyle changes.

Quantifiable outcome

• Employees with high wellbeing report half as much absence and two-thirds less presenteeism
• +5 more outcomes

Named customers15 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core, core / flagship and supporting.

• High Five Health PromotioncoreOthers · 1 January 2019Acquired in 2019. High Five Health Promotion are market leaders in the European wellness industry, providing end-to-end health and wellbeing services across Europe. The acquisition expanded Westfield Health's reach into the European wellness market.
• UK HealthcarecoreOthers · 1 January 2018Acquired in 2018 to strengthen Westfield Health's proposition in the UK health cash plan market. UK Healthcare was a UK-based health cash plan provider.
• Advanced Wellbeing Research Centre (AWRC)core / flagshipStrategic or Co-development PartnerWestfield Health is a tier 1 partner to the AWRC — set to be the most advanced R&D centre for physical activity in the world, based at Sheffield Hallam University. The partnership provides access to validated, research-backed wellbeing interventions. Westfield Health also has a three-year Knowledge Transfer Partnership (KTP) with the AWRC, funded by Innovate UK, to academically evaluate the effectiveness of its health and wellbeing programmes in the workplace.
• British Chambers of CommercecoreGTM or Marketing PartnerWestfield Health is a chosen partner of the British Chambers of Commerce, providing health and wellbeing solutions to Chamber member businesses across the UK.
• Make UKcoreGTM or Marketing PartnerWestfield Health is a chosen partner of Make UK (the manufacturers' organisation), providing health and wellbeing solutions to UK manufacturing businesses.
• Innovate UKsupportingStrategic or Co-development PartnerInnovate UK is a government-funded organisation that funds business and research collaborations to accelerate innovation and drive productivity and economic growth. Westfield Health's three-year Knowledge Transfer Partnership with the AWRC is part of the Innovate UK KTP programme.

Scale indicators10 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Bupa: Bupa is the UK's largest private health insurer and a global healthcare services group. It is a direct competitor in the UK PMI market with a broader portfolio (hospitals, dental, international cover), competing with Westfield's PHI and corporate wellness offerings, particularly in the corporate 200+ employee segment.
• Aviva Health: Aviva is one of the UK's largest insurance groups, offering group private medical insurance, group life, and wellbeing solutions through its health and protection division. It is a broad incumbent competing with Westfield in the corporate 200+ employee segment.

Direct peers

• AXA Health: AXA Health is one of the UK's leading private medical insurers, offering individual and group PMI as well as wellbeing and mental health services. It directly competes with Westfield in the SME and corporate segments and offers more comprehensive coverage including cancer and cardiac conditions.
• Vitality Health: Vitality Health is a UK PMI and life insurer with a strong wellness/incentive-based model (gym discounts, rewards). It overlaps directly with Westfield's cash plan and wellbeing proposition and is a leading competitor in the 200+ employee wellbeing market.
• Simplyhealth: Simplyhealth is a UK not-for-profit health cash plan and PMI provider and the most direct comparable to Westfield Health, offering everyday health cost reimbursement, dental/optical cover, and private health insurance to individuals and businesses across the UK.
• Health Shield: Health Shield is a UK-friendly society providing health cash plans to employers and employees. It directly competes with Westfield in the group health cash plan segment, particularly among SMEs and intermediaries, with overlapping product structures and pricing.
• The Exeter: The Exeter is a UK-friendly society offering private health insurance, income protection, and life cover. It competes directly with Westfield's PHI product, particularly in the individual and small-group market, and shares the mutual/friendly-society ethos with Westfield's not-for-profit status.
• WPA: WPA (Western Provident Association) is a UK not-for-profit private health insurer offering individual and corporate PMI. It is a direct competitor in the affordable PMI segment, with a similar values-based positioning to Westfield and overlapping intermediary and direct distribution channels.
• Medicash: Medicash is a UK not-for-profit health cash plan provider, one of Westfield's closest direct competitors in the everyday healthcare reimbursement market, serving both individual and corporate customers with similar benefit structures.
• Benenden Health: Benenden Health is a UK not-for-profit mutual offering affordable health cover including diagnostic tests, mental health support, and private treatment. It is a direct peer in the affordable, values-led health cover segment serving individuals and SMEs.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/WestfieldHealth
• Facebookfacebook.com/westfieldhealth
• LinkedInlinkedin.com/company/westfield-health

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Westfield Health