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Our SME healthcare plans

Flexible cover options for your SME clients 

Building a business takes hard work, dedication and focus. But we know as well as you do that businesses also need healthy and productive teams, because people are the foundation of success. We offer a choice of healthcare cover options and benefits that your clients can select from, so they only pay for the cover they want.1 Examples of additional cover options available include Therapies, Mental Health, Employee Assistance Programme and many more.

For your SME customers (businesses with 1 to 249 employees) we offer two health insurance plans for new business. Business Health offers the greatest flexibility in terms of hospital choice and benefits. Business Protect, available to virgin new business only, offers a cost-effective option whilst still maintaining the quality and service you expect from AXA Health. 

1 If your clients are buying cover for 1-2 people only, they will need to include either the Treatment option or the Diagnostics Only option in their plan. 

Download our SME brochures

Download our brochures for a full list and explanation of what options are available to your clients, as well as what is, and isn’t covered in each plan.  The relevant hospital list for each plan is linked below too.

If you are looking for handbooks for legacy products for your clients they can be found on the Literature library

Visit Literature library

Included in our SME plans

The information below is just a summary of some of the cover we offer. For eligibility, key exclusions, plus any cover limitations (which is often dependent on the level of cover taken out) please see our product brochures linked to above.


AXA Doctor at Hand

  • 24/7 GP appointments by video or phone, up to 20 minutes long 
  • Health advice or reassurance when abroad or on holiday 
  • Direct referrals for some diagnostic tests or to a specialist 
  • Appointments now available with Advanced Nurse Practitioners too 
  • Prescriptions sent direct to home, office or local chemist

Important information about AXA Doctor at Hand is detailed below.

Back pain

Support for muscles bones and joints

  • Get support for muscle, bone or joint pain without a GP referral 
  • An online clinical assessment with muscle, bones and joints specialists HBSUK, will direct members to the most appropriate clinical expert for their online appointment. Members can also call us for an assessment on the phone.
  • Recommended next steps whether that’s home exercises, tests (including scans and X-rays if the relevant benefits are chosen) or referral for onward treatment. 
  • Available for those aged 18 and over 

Specialist appointment booking service

  • Following an open referral, an appointment with an appropriate specialist can be booked upon a member's behalf. 
  • If this isn't suitable, members can opt to receive a choice of three specialists so they can arrange their own appointment.
Health kit icon

Cancer care

  • Cover for cancer treatment such as consultations, radiotherapy, chemotherapy and surgery (subject to medical history).
  • For suspected skin, breast or prostate cancer (with a raised PSA report), you can be seen quickly with no need for a GP referral (over 18s only). 
  • If cancer is diagnosed, as soon as we're told, we'll connect the member to a dedicated cancer care manager for support.
  • Access to Untire - the fatigue management solution for people with cancer
  • Six months of supportive health coaching avaliable to those undergoing cancer treatment.

24/7 Health support line

  • Ask any health-related question to a nurse or counsellor, either for yourself or a loved one, 24/7. 
  • Our online health centres bring together the latest information, facts and tips from our own healthcare professionals, leading medical authorities, specialist charities and NHS resources. 
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Access to gym offers

  • 40% off monthly individual memberships for the member and anyone covered on an AXA Health private healthcare scheme/plan at Nuffield Health Fitness and Wellbeing Centres.
  • 40% off Hussle’s monthly+ pass for the member and anyone covered by an AXA Health private healthcare scheme/plan.

For full details go here

AXA Doctor at Hand important information

24/7 availability – Subject to appointment availability. GPs avaliable 24/7 and Advanced Nurse Practitioners available 8am – 10pm, 365 days a year.

Prescriptions – Available in most circumstances. Outpatient prescriptions and delivery are not covered by the healthcare plan and may cost more than on the NHS. Prescriptions are only available in the UK.

Referrals to diagnostics – If included in the AXA Health plan, where clinically and geographically appropriate (centres in England, Scotland and Wales). Diagnostic tests are subject to the healthcare plan terms and conditions. Any outpatient limits or employee contribution normally made towards any treatment, will apply. Dependants must be aged 18+ for GP to organise diagnostics.

Referrals to specialists – Any outpatient limits or employee contributions normally made towards treatment will apply. All referrals and treatment recommended are on a private basis. The GPs and advanced nurse practitioners are unable to refer to the NHS.

What’s not covered

Here are the main things that aren’t covered as standard in our private health insurance. For full details of eligibility, please see the product brochures.  

  • Routine pregnancy and childbirth. 
  • Out-patient drugs and dressings. 
  • Treatment of ongoing, recurrent and long-term conditions (chronic conditions). 
  • Treatment needed as a result of training for or taking part in any sport for which you are paid, receive a grant or sponsorship (not counting travel costs) or are competing for prize money. 
  • Cosmetic treatment. 
  • Treatment of medical conditions you had, or had symptoms of, before you joined, depending on the underwriting option you choose. 
  • Fees if a hospital that is not in the associated Directory of Hospitals for the plan taken out is chosen. 
  • There are some specialists whose costs we can’t cover in full, plus some that we don't cover at all, so members are advised to call us if they need to claim. 


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Our Business Health plan has been rated 5 Star by independent financial information business, Defaqto. The Defaqto 5 Star Rating is based on an assessment of the overall product, including all options. Where not all of the options are taken, this will affect the product's star rating.
For more information on Defaqto visit