How the ECIS Age-Band Pricing Structure Works

The ECIS Bupa Private Medical Insurance scheme* uses an age-banded pricing model designed to keep premiums fair, predictable, and suitable for businesses of all sizes.

This page explains:
- What the age bands are
- Why this structure is used
- How it supports more stable renewals

The Age Bands

Employees are grouped into the following age bands:
- Under 21
- 21 to 29
- 30 to 39
- 40 to 49
- 50 to 64
- 65 to 69
- 70 and over

Why Age-Band Pricing Is Used

Age is one of the strongest indicators of expected healthcare usage. By using age bands the scheme:
- Avoids pricing based on individual conditions
- Offers a clear, transparent structure for employers
- Supports year-on-year planning across the workforce
- Fairly matches premiums with scheme usage

What This Means for Your Business

The age-band pricing structure is designed to help employers:
- Understand how premiums change with age
- Manage movements between age bands more smoothly
- Build a consistent approach to offering health cover across their team

If you’d like to see how the age bands apply to your team, you can request a quote. Our team will explain the pricing clearly and help you review your options.

*Age banding applies to office staff and dependants products. No age banding is applied to industry-backed schemes (e.g. JIB, NAECI, Hinkley Point, SJIB)