Standard Life Healthcare (SLH) is offering discounted premiums and reducing the number of members required for its Low Claims Frequency (LCF) rating option.

Groups with a minimum of six members are now eligible for LCF terms and the starting bands for its virgin and switch schemes have been lowered.

Virgin schemes, for those not previously insured, are now up to 15% cheaper than standard SLH moratorium rates. Switch schemes for customers moving from another provider on the same underwriting terms are now up to 10% cheaper than standard SLH switch rates.