Fed up with your broker? Let's talk about your healthcare renewal.

Book a free 30 minutes with a Kota consultant. We benchmark your premium against what companies your size and sector are actually paying, pressure-test your provider wrap, and hand you a short written read you can take straight to your CFO. Free this month. No switch required.

Benchmark your renewal against the market

Flag if and where you're overpaying

Tell you if your scheme is still fit for your team

Free summary you can send to finance

No broker-of-record signature needed

No commitment to switch provider

Powering benefits for 65,000+ employees

What's included

Six things most renewal reviews quietly skip.

A good broker review teaches you something about your own scheme you didn't already know. That's the bar. In 30 minutes, your Kota broker walks you through six things a typical renewal conversation doesn't - and you leave with a written read you can actually forward to finance.

01

CFO-ready benchmark

What companies your size and sector are actually paying right now - and where your premium sits against the median. The number your CFO wants to see on one page before they sign off the renewal.
02

Claims & trend context

Premiums don't move in a vacuum. We walk you through UK PMI medical-trend rates this year, what's driving them, and whether your specific renewal is reasonable - or ahead of the curve for no good reason.
03

Scheme-fit analysis

Your workforce has changed. Has your scheme kept up? We flag gaps in mental health, women's health, fertility and family cover - the things employees actually ask for now.
04

Regulatory & tax triggers

Post-NIC salary sacrifice savings. 2027 workplace menopause guidance. Auto-enrolment thresholds. The external shifts that quietly change the maths on your scheme - and what to do about them before your renewal locks you in.
05

Market-wide quote test

If you want to see real alternatives, we run your scheme across Bupa, AXA, Aviva, Vitality, WPA and more with one broker authorisation. A scored comparison, not a single-provider pitch dressed up as choice.
06

An actionable, written report

You'll get a short, written recap of everything we find - yours to share with your CFO, use as leverage in your next renewal call, or file and forget. No strings.
65,000+
employees covered
30+
countries covered
200+
companies trust Kota
30 min
to review your benefits

Why free?

The honest answer: it's how we prove we're different.

The large UK brokers pitch you with long, pre-made decks and 120-day implementation schemes.

We'd rather spend 30 minutes showing you what a proper renewal conversation actually looks like. Most of our customers signed with us because their incumbent's review was confusing and insufficient.

If your renewal is fair, your scheme's sound, and your provider's doing right by you - we'll say so. If not, we'll show you exactly what a switch would look like. Either way, no chase emails, no BDR follow-up, no drip.

No broker-of-record required

You're not signing anything. The review is free whether you go with us or stay put.

No platform lock-in

Kota's platform makes admin painless, but you're not buying it just to get the review. Separate decision, separate conversation.

Your data stays yours

We'll only ask for policy documents if you want a full market test. Everything you share is held under FCA rules.

How it works

Two calls. A clear answer on your renewal.

01

The review call

Your specialist walks through your current setup, benchmarks it against the market, and flags what's working and what isn't. You leave with a clear read on your renewal.

-> Renewal benchmark vs. companies your size
-> Scheme-fit & utilisation read
-> Short written summary in your inbox afterward
02

The quote call

If your review surfaces room to do better, we'll run your scheme across the market and present real quotes. You decide whether to move, renegotiate, or stay put. No pressure either way.

-> Quote comparison across 6+ insurers
-> Plain-English breakdown of the trade-offs
-> Platform preview (optional) if you want to see how admin disappears

Kota's broker service is backed by our benefits platform. If you move to us, your starters, leavers, payroll and renewals run automatically. But that's a conversation for later.

Who it's for

Built for UK SMBs between 10-1000 employees.

This is who the big consultancies don't serve properly - you get a templated product and a rotating account manager. It's also the stage where a genuinely good review can change impact your team and financials the most.

This is for you if:

You have a UK private medical insurance scheme for your team
You're the person responsible for benefits
Your renewal is within the next 6 months
You're looking for a second opinion on your scheme

This probably isn't for you if:

You're shopping for personal health insurance (we work with employers)
You have no employees in the UK & Ireland
You're looking for a platform demo - book that here instead

Hear what our customers have to say

"People think they have to deal with brokers and paperwork, but that is not the case with Kota. It really works from an employee engagement perspective."

Niamh Langton, Studio Manager
A dramatically improved employee app experience
Significantly reduced ongoing admin for financial benefits
No more time-consuming broker back-and-forth

"Kota just makes everything easy to be honest. Everything is a lot more modern than what we were used to. Kota is seamless - we used brokers in the past and were clunky."

Lauren Seawright, Chief of Staff
Employee benefits set up in just a few clicks
Self-service for employees to access pension and health in one app
A benefits system that scales with Cloudsmith’s growth

"Kota is a game changer for us. Kota didn’t just streamline our processes. It raised the bar for what we expect from a benefits partner. It’s night and day to our 'old world’."

AnneMarie Lowry, Culture & People Enablement Director
A dramatically improved employee experience
Zero manual admin across onboarding, offboarding and updates
A benefits system that scales with Life Scientific's growth

“Before, everything to do with employee benefits was disconnected. Now, it’s all automated in one place. With Kota, it just works.”

Idan Shteinberg, People Operations
Rolled out 11+ flexible benefits through one platform
Automated onboarding and offboarding via HRIS integration
'Best use of benefits technology' at the Employee Benefits Awards

Frequently asked questions

Is this actually free?

Yes. No fees, no obligation to switch broker, no platform purchase required. We run a limited number of these reviews each month because they're a better way to show what we do than any demo would be.

Do I need to be planning to switch broker?

No, but the option is there. The point is to give you an independent read on your renewal — useful whether or not you move.

What do I need to prepare?

For the first call, just your current provider, rough employee count, and renewal date. If you want a full market-wide quote comparison afterwards, we'll ask for your scheme documents and a broker authorisation (takes two minutes).

How long does it take to see quotes?

For renewals, typically 3–7 working days depending on insurer response times. For smaller teams setting up fresh cover, often same-day indicatives.

Who is Kota?

We're an FCA-authorised benefits broker and platform, powering benefits for 65,000+ employees across the UK & Ireland. We broker PMI, group life, income protection and pensions - and we build the software that makes admin disappear. Customers include Cloudsmith, Carwow, Evervault, and Zoe Health.

Will I have to sit through a software demo?

No. The first call is a benefits review. If you ask about the platform, we'll show you a short preview — but it's not the point of the conversation.

Modern benefits management starts here

If you're managing employee benefits across spreadsheets, brokers, and broken integrations, it's time for a simpler approach. Kota gives you complete control, without the admin burden.