For HR, Reward and People leaders
Mental health now drives 13% of PMI claim costs. See what it's costing your business.
Mental health has climbed from 8% to 13% of private medical insurance claim costs in three years, and it is adding to renewal pressure for larger employers. Estimate what poor mental health is likely costing your organisation, and see where proactive support changes the picture.
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Your 60-second estimate
What is poor mental health costing your organisation?
Four quick questions. See your number straight away. No sign-up needed to view it.
Your estimate
Why this is rising now
Mental health as a share of PMI claim costs has risen from 8% to 13% since 2022, and the cost of mental-health-related absence rose 20% to £7.3bn. That is part of what is pushing renewals up.
How we worked this out: MYNDUP's cost model, based on the Deloitte Mental Health Report, puts the cost of poor mental health at around £3,710 per employee a year across absence, presenteeism and turnover. This is an estimate for a typical organisation of your size, not a quote.
Get the full breakdown
See how the figure splits across absence, presenteeism and turnover, and the proactive-support view, a return of around £4.20 for every £1 spent, so you can see exactly where your number comes from.
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Your full breakdown
Here is where your estimate comes from.
Mental health now accounts for around 13% of PMI claim costs and is rising. Proactive support targets the issues behind those claims early, and Deloitte puts the return on proactive mental health support at around £4.20 for every £1 spent.
See how proactive support worksProactive support, measurable results
MYNDUP client results.
How proactive support eases the pressure
Support before crisis point
Employees book in 3 minutes and speak to a counsellor, therapist or coach within 12 hours, so issues are caught early rather than escalating into clinical treatment.
Fewer of the claims behind your renewal
Catching mental health issues early means fewer escalate to the point of a PMI claim, which is the part of your renewal pressure you can actually influence.
A return you can measure
Deloitte puts the return on proactive mental health support at around £4.20 for every £1 spent, alongside lower absence and stronger retention.
Straight answers
Will this reduce our PMI premium?
We will not promise that, and anyone who does is overpromising. Premiums move on many factors, including market-wide claims, medical inflation and your own scheme. What proactive support does is tackle the mental health issues driving claims and absence earlier, which is the part you can genuinely influence before renewal.
How is the estimate calculated?
It uses MYNDUP's cost model, based on the Deloitte Mental Health Report, of around £3,710 per employee a year across absence, presenteeism and turnover. We apply that to a typical organisation of your size. It is an estimate to start a conversation, not a quote.
Does MYNDUP replace our PMI or EAP?
Neither by default. MYNDUP works alongside your existing cover as the proactive layer that catches issues early. Many teams run it in parallel and see usage around six times that of a traditional EAP.
Is my data private?
Yes. We use your details only to talk about proactive support. No lists, no spam, and employee sessions are always confidential.
See what proactive support does to the claims behind your renewal
A short, no-pressure walkthrough tailored to your organisation.
Book a 20-minute demoSources. Cost of poor mental health per employee: MYNDUP cost model based on the Deloitte Mental Health Report, 2024 (£51bn a year to UK employers). PMI claim-cost share (8% to 13%) and premium pressure: Insurance Business UK, 2025. Cost of mental-health-related absence up 20% to £7.3bn, and £4.20 return per £1 on proactive support: Deloitte Mental Health Report, 2024. Client results are MYNDUP's own reported figures.