H3 Health Insurance

What H3 Health Insurance does

H3 Health Insurance is Northern Ireland's first local provider of private medical insurance, founded in 2010 and headquartered in Belfast as a trading name of FCA-regulated Insure I Limited. The company sells subscription-based health insurance policies across three customer segments — Personal Cover (individuals, from £25/month), Family Cover (2 adults and 2 children, from £35/month), and Business Cover (employer schemes ranging from 2 to 2,000+ employees on bespoke pricing) — built on two core plan tiers: H3 Premier (full inpatient/outpatient cover with cancer treatment) and H3 Priority (outpatient-focused with combined annual limits). H3 generates revenue entirely through recurring monthly premiums and differentiates through regional features including a unique Minor Injuries Cover (via partnership with Kingsbridge Private Hospital, Belfast), a Same Day Referral Service bypassing GP referrals, and a 24/7 Virtual GP integration via GP24.

The business is distributed through a sales-led motion combining direct phone-based quoting (028 90 46 9990), a website with callback requests, and an insurance intermediary/broker channel with formal registration for resellers. Value-added services include an Employee Assistance Programme (EAP), mental wellness helplines, NHS cash benefit, home nursing, and pregnancy complications coverage, with access to 500+ local specialists and UK-wide private facilities. Marketing is multi-channel (phone, web, email, social, digital advertising) and the company shares customer data within the 3fivetwo Group where consent is given.

No proprietary technology systems, patents, AI/ML capabilities, or funded growth rounds are disclosed. The company operates with 11-50 employees and is GDPR and FCA compliant, with primary operations in Northern Ireland and UK-wide facility access but no active mainland UK distribution push.

Name

H3 Health Insurance

Legal name

Insure I Limited

Website

https://h3insurance.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

H3 Health Insurance is Northern Ireland's first local private medical insurance provider, founded in 2010 and FCA-regulated, serving individuals, families, and businesses with subscription-based health cover and unique regional features like Minor Injuries Cover and Same Day Referral.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Small Group Health Insurance (2–50/100) (FSAIAFAD)

Keywords

• Private health insurance
• Medical insurance
• Health cover plans
• Family health insurance
• Business health insurance

Headquarters

HQ city

Belfast

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 Insurance Premiums: H3 Health Insurance generates revenue through subscription-based health insurance premiums paid monthly by individual, family, and business policyholders. Premiums cover inpatient, outpatient, diagnostic tests, therapies, surgery, and optional benefits such as cancer treatment, psychiatric cover, and minor injuries cover.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

H3 Health Insurance is a private medical insurance provider based in Belfast, Northern Ireland, offering subscription-based health insurance products for individuals, families, and businesses. Coverage spans inpatient and outpatient treatment, specialist consultations, diagnostic tests, therapies, surgery, and cancer treatment, complemented by optional benefits such as Minor Injuries Cover (Kingsbridge Private Hospital), Same Day Referral Service, the H3GP 24/7 Virtual GP, and an Employee Assistance Programme.

Product overview

H3 Health Insurance is Northern Ireland's first local provider of private medical insurance, founded in 2010 and based in Belfast. The company offers a portfolio of health insurance products structured around two core plan types — H3 Premier (premium, full-coverage inpatient/outpatient) and H3 Priority (outpatient-focused with lower limits) — across three distribution channels: Personal Cover (individuals), Family Cover (families), and Business Cover (employer schemes). Value-added optional benefits include Minor Injuries Cover, Same Day Referral Service, H3GP 24/7 Virtual GP, Cancer Treatment Cover, and an Employee Assistance Programme (EAP). The company also provides intermediary and consultant-facing portals for broker registration and invoice submission.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Cover Individual private medical insurance for a single person providing high-speed access to consultants, diagnostic tests, therapies, surgery, and optional same-day referral service. Cover starts from £25 per month.
• Family Cover Private medical insurance for families (2 adults and 2 children from £35 per month) providing rapid access to private medical treatment, with optional same-day referral via the H3GP virtual GP service, Minor Injuries Cover, mental wellness helplines, and a local claims team.
• Business Cover Group private medical insurance for businesses covering 2 to 2,000+ employees, offering bespoke plans tailored to company needs and budget, with same-day referral services, Minor Injuries Cover, and reduced sickness absence through faster access to treatment.
• H3 Premier Plan Premium inpatient and outpatient health insurance plan offering full coverage for hospital fees, specialist/consultant fees, diagnostic tests, cancer treatment, parental accommodation up to age 16, and NHS cash benefit.
• H3 Priority Plan Outpatient-focused health insurance plan covering specialist/consultant fees, diagnostic tests, therapies, and MRI/PET/CT scans up to £1,200 combined outpatient limits per year, with home nursing up to £3,000.
• H3GP Virtual GP Service A 24/7 virtual GP service providing same-day referral and remote medical consultations for H3 Health Insurance members, powered by GP24.
• Minor Injuries Cover Optional benefit enabling members to bypass long waits in A&E departments and be seen within minutes at Kingsbridge Private Hospital in Belfast, with a £25 excess per event. Only available in Northern Ireland.
• Same Day Referral Service Optional benefit allowing members to be referred to specialists without needing to first see a GP, available in Northern Ireland.
• Cancer Treatment Cover Comprehensive cancer treatment cover including inpatient/day-patient hospital fees, specialist fees, diagnostic tests, radiotherapy/chemotherapy, private drugs, hospice cash benefit, residential palliative care, and NHS oncology cash benefit of £150 per treatment up to £3,500 per year.
• Employee Assistance Programme (EAP) Employee Assistance Programme offering mental wellness helplines and advice on aches and pains for H3 Health Insurance members.

Quantifiable outcome

• Minor Injuries Cover enables members to be seen within minutes instead of waiting for hours in A&E
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Kingsbridge Private HospitalcoreStrategic or Co-development Partner · 1 January 2010Key healthcare provider partnership for H3 Health Insurance's unique Minor Injuries Cover feature. Allows H3 members to bypass long A&E waits and be seen within minutes at Kingsbridge Private Hospital in Belfast. This is a cornerstone partnership enabling one of H3's key differentiators - rapid minor injury treatment.
• GP24 (Virtual GP Service)coreTechnology or IntegrationProvider of 24/7 Virtual GP Service integrated into H3 Health Insurance offerings. Allows members to access medical consultations remotely at any time, enhancing H3's service offerings and providing convenient healthcare access.
• 3fivetwo GroupminorOthersH3 Health Insurance shares marketing information within the 3fivetwo Group if customers give permission. This is an intra-group relationship for marketing purposes.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• The Exeter: UK-friendly society offering individual, family, and business PMI policies with a personal-service ethos. Closely comparable to H3's positioning around accessible, customer-led service and tiered Premier/standard plan architecture.
• Freedom Health Insurance: UK specialist PMI provider focusing on individual, family, and SME group health insurance. Comparable niche-mid-market positioning to H3 with a similar intermediary/broker distribution model and bespoke employer scheme offering.
• WPA (Western Provident Association): UK not-for-profit PMI specialist offering individual, family, and corporate health cover with a regional/mid-market positioning similar to H3. Most comparable on product structure, target customer (SME employers and families), and 'specialist vs national giant' market positioning.
• Health Shield: UK-friendly society providing health cash plans and wellbeing benefits to employers and individuals. Comparable to H3's employee-benefit and EAP positioning for SME employer schemes, though primarily cash-plan rather than full PMI.

Broad incumbents

• Simplyhealth: UK health cash plan and PMI provider with strong employer-group distribution. Comparable to H3's Business Cover segment and individual health cover, though broader in product mix including dental and cash plans.
• AXA Health: UK division of global insurer offering individual, family, and corporate PMI products. Directly comparable in product structure (Premier/standard tiers, employer group schemes) but with national reach and significantly greater scale.
• Bupa: UK's largest private health insurer offering individual, family, and employer PMI products nationally. Directly comparable to H3's product set but at much greater scale with extensive hospital networks across the UK, including Northern Ireland.
• Vitality Health: UK PMI and health insurer operating individual, family, and business plans with a wellness-incentive model. Comparable to H3 across personal, family, and employer schemes, though national in scope and wellness-platform-led.
• Aviva Health: Major UK PMI provider offering individual and group private medical insurance. Competes with H3 in the same employer-sponsored and personal cover segments, with significantly larger underwriting capacity and brand recognition.

Emerging players

• CS Healthcare: UK-friendly society offering individual and family PMI to specific professional and employer affinity groups. Comparable niche distribution approach to H3, though more focused on specific affinity segments than geographic specialism.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/h3_health

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about H3 Health Insurance