Kota brings private healthcare into payroll with PayFit

Today is a big day for us at Kota: our health insurance offering goes live inside PayFit - the payroll platform used by over 20,000 SMEs across Europe. It’s a very exciting day for us for three big reasons.

1. Access to fast, reliable care has never mattered more

NHS waiting lists are at record levels, with millions of people facing delays for treatment and even routine GP appointments. As a result, more employees are turning to their employers for support: employer-sponsored private medical insurance is now at a 30-year high, and one in three working adults say private healthcare is “essential,” not a perk.

SMEs want to help their teams, but historically the cost and admin have made private healthcare feel out of reach. Bringing health insurance directly into payroll changes that equation.

2. PayFit shares our belief that small teams should be able to do big things

More than 20,000 SMEs rely on PayFit to run payroll quickly and accurately. They choose PayFit because it removes friction - it helps small teams pay people faster, stay compliant, and automate the busywork that usually slows HR and Finance down.

Kota has always aimed to do the same for benefits: to give small teams access to big-company care without needing brokers, paperwork, or specialist systems. This makes the partnership a natural fit. Together, we’re giving SMEs the ability to offer comprehensive health benefits without adding complexity.

3. This is exactly what our embedded solution was built for

A year ago, we launched Kota’s embedded solution to bring benefits into the tools HR and Finance teams already use. No extra platforms. No context switching. No stitching together disconnected systems.

Seeing Kota live inside PayFit is a perfect example of that vision in action: health benefits delivered directly inside the payroll workflow where people are already working day-to-day.

It also meets another growing need - companies want to consolidate tools, not add more. Offering healthcare directly inside PayFit removes the overhead of managing yet another system just to support employee wellbeing.

How it works

Here’s what PayFit customers can now do:

1. Browse and select health insurance plans from providers like Bupa and Vitality directly inside PayFit.

2. Add benefits and enrol employees in the same place they already manage payroll.

3. Automate payroll deductions, tax reconciliation and compliance - no manual cross-checking between systems.

4. Sync everything to payroll instantly, so HR and Finance don’t need to adjust reports or handle data transfers.

For SMEs, this means offering meaningful health benefits without extra tools or extra admin. For employees, it means faster access to care when they need it.

If you’re a PayFit customer and want to explore how to get health insurance up and running for your team, it's live inside their platform now. And if you’re thinking about expanding your product offering to include health benefits, we’d be more than happy to chat.