Small business health insurance

Save 25% when you join AXA Health

As a new customer buying business health insurance for the first time, receive 25% off when you take out a plan for 1 to 64 employees. You need to include a Treatment or Diagnostics Only cover option for all and choose either moratorium or full medical underwriting. Please see full T&Cs. Offer closes 30 April 2026.

Protect what matters.

Get a quote Call us on 0800 389 7413^

Build our cover around your business

Your business is different from the rest. It makes sense to choose healthcare cover that is too. Here’s how you start to shape your plan:

Step one

Choose the cover options that are right for your business.

Step two

Decide who to cover and how you’d like to handle existing conditions. Complete our online quote tool to get an initial cost.

Step three

One of our sales team will give you a call to discuss your quote in more detail. Remember, you'll only pay for the cover you want.*

*If you are buying cover for 1-2 people only, you will need to include either the Treatment Option or the Diagnostics Only Option in your plan. For more information about our cover, any cover limitations and what we don't cover please see our product brochure.

Build your cover

Illustration of people sitting around a desk

Get your team covered for less than £40 per employee, per month*

Did you know you can purchase Business Health with our 3 most popular cover options:

Treatment with Comprehensive Cancer Cover
Mental Health Cover and
Therapies

for less than the equivalent of £40 per employee, per month, when you buy business healthcare cover for the first time**

*This price is based on 3 employees (aged 35, 40, 45), living in a TN2 postcode, with a £100 excess and moratorium on pre-existing conditions, choosing the following options: Treatment with comprehensive cancer cover, Therapies, Full outpatient plus Guided Option (meaning we will source a specialist for you).
The total cost per month is £117.38 equivalent to £39.13 per employee. Price valid January 2026, and will vary depending on location, cover options and ages.
**This price includes our current 25% discount offer also included, when buying business healthcare cover for the first time, for 1 to 64 employees. You need to include a Treatment Option or Diagnostics Only option for all, and choose either moratorium or full medical underwriting. Further T&Cs apply. Offer ends 30 April 2026.

Included as standard:

Regardless of the cover options that you choose, you'll have access to the following included as standard with your small business insurance plan:

24/7 online GP service - Access to our 24/7 phone and video GP service, AXA Doctor at Hand (powered by Doctor Care Anywhere). Appointments are subject to availability. Advanced Clinical Practitioners available 8am-10pm.
Access to muscle, bone and joint support - You and your team aged 18 and over get access to a physiotherapist over the phone or online, without the need for a GP referral.
Health information phone line - Our helpline is open 24/7 for health information and support from nurses and counsellors. Midwives and pharmacists are available from 8am-8pm Monday to Friday, until 4pm on Saturday, and until 12pm on Sunday.

Heart and cancer support - Speak to our experienced nurses on the phone - they can support you and your family when living with heart and cancer conditions.
Access to gym discounts - In addition to your healthcare cover, you can get up to 40% off monthly Nuffield Health Fitness and Wellbeing centre memberships and Hussle Monthly+ pass fees for you and your employees. So your team can find their motivation, whether they’re training for a marathon or just getting started. Offers are subject to change and do not form part of insured benefits. Get more information and terms and conditions.

Self employed? Get business health insurance for less than £78 per month*

Did you know you can purchase Business Health with our 3 most popular cover options:

Treatment with Comprehensive Cancer Cover
Mental Health Cover and
Therapies

for less than the equivalent of £78 per month, when you buy business healthcare cover for the first time**

*This price is based on 1 employee (aged 40), living in a TN2 postcode, with a £100 excess and moratorium on pre-existing conditions, choosing the following options: Treatment with comprehensive cancer cover, Therapies, Full outpatient plus Guided Option (meaning we will source a specialist for you). The total cost per month is £77.62. Price valid January 2026, and will vary depending on location, cover options and ages.

**This price includes our current 25% discount offer also included, when buying business healthcare cover for the first time, for 1 to 64 employees. You need to include a Treatment Option or Diagnostics Only option for all, and choose either moratorium or full medical underwriting. Further T&Cs apply.

What do I need to get a small business health insurance quote?

Get an indicative online quote for business health insurance in minutes.

Here’s some information you’ll need:

- Details such as your name, email address and business postcode
- The number of employees you’ll be covering
- The age of your employees (a rough estimate is fine for the indicative quote)
- An idea of the cover options you would like to include (we will provide descriptions of each)

Once you have your indicative quote, one of our small business healthcare plan experts will call you to discuss your cover needs, provide a full quote and explain how we cover existing medical conditions.

Get a quote Call us on 0808 303 1173^

Rated 5 stars by Defaqto

We’re proud that our Business Health plan has been rated 5 stars by independent financial information business, Defaqto.

^{The Defaqto 5 star rating is based on an assessment of the overall product including all options. If some of the options are not selected, this will affect the product’s star rating.}

^Phone lines are open 8:30am-5:30pm Monday to Friday. We may record and/or monitor calls for quality assurance, training and as a record of our conversation.

The promoter of the Offer is AXA PPP healthcare Group Limited (registered number 03148346), whose registered office is at 20 Gracechurch Street, London EC3V 0BG, (“we” “us” or the “Promoter”).

Eligibility Requirements
1. The Promoter shall lead and administer this Offer via its online and telephone marketing channels.
2. To be eligible for the Offer, an Eligible Customer must:
2.1 purchase an AXA Health Business Health Plan or Business Protect Plan which must include either (i) ‘Treatment’ cover option with NHS Cancer support; (ii) ‘Treatment’ cover option with Comprehensive Cancer cover; and/or (iii) ‘Diagnostics Only’ cover option, (an “Eligible Plan”) directly from AXA Health or via a broker;
2.2 have no more than 64 employees covered by the Eligible Plan;
2.3 purchase, and have cover started under, an Eligible Plan during the Offer Period;
2.4 not cancel the Eligible Plan within the 14-day statutory cancellation period;
2.5 not be (i) an existing customer of AXA Health who is renewing their plan, (ii) a previous AXA Health customer or (iii) a business customer who is switching from a different private medical insurer; and
2.6 select either AXA Health’s Moratorium or Full Medical Underwriting for their Eligible Plan.
Any customer complying with the conditions in this Clause 2 will be an “Eligible Customer”.

3. Eligibility of customers will be decided by the Promoter whose decision shall be final and binding. The Promoter reserves the right to verify the eligibility of all customers.

Offer Information
4. Each Eligible Customer shall receive a 25% discount on the premium rate applicable in respect of those eligible members who will be entitled to receive the benefit of the (i) ‘Treatment’ cover option with NHS Cancer support; (ii) ‘Treatment’ cover option with Comprehensive Cancer cover; and/or (iii) ‘Diagnostics Only’ cover option, under the Eligible Plan (the “Offer”).
5. Details of the Offer Period are set out below:

Opening Date and Time Closing Date and Time

"Offer period"
00:00 GMT

1 Jan 2026

23:59 GMT

30 April 2026

6. Any plan purchased and commenced before or after the Offer Period, will not be eligible for participating in the Offer. The Offer applies to the first year of the Eligible Plan only.

7. The Offer is non-transferable and cannot be substituted for a cash alternative. The Offer is not available in conjunction with any other offer or discount other than the following:

7.1 a 5% discount for paying the premium for an Eligible Plan in one annual payment;

7.2 10% cashback offer available to Barclays business customers;

7.3 free cover option for routine dentist and optician fees for the first year for Santander Business customers;

7.4 up to 50% off Chambers of Commerce membership fees and free access to 24/7 health support line for Chambers of Commerce members;

7.5 free EAP Premier and Mental Health option for Worldpay business customers; and/or

7.6 free Mental Health option for AXA Business Insurance customers.

Such offers are subject to their own terms and conditions.

General Terms

13. The Promoter reserves the right to withdraw or amend the Offer or these terms and conditions at any time. The Promoter also reserves the right to delay, postpone or extend the Offer Period at its sole and absolute discretion.

14. Anything added to your Eligible Plan may be liable to tax. Any tax liability shall be the responsibility of Eligible Customers.

15. No AXA Health Group company will be liable for any loss, damage or personal injury whatsoever suffered or sustained in connection with this Offer except for any liability which cannot be excluded by law (including fraud or for the death or personal injury caused by that AXA Health Group company’s negligence). The “AXA Health Group” for this purpose is AXA PPP healthcare Group Limited, its holding company and all subsidiaries of its holding company including (but not limited to) AXA PPP healthcare Limited and AXA Health Services Limited.

16. If any of these clauses should be determined to be illegal, invalid or otherwise unenforceable then it shall be severed and deleted from these terms and conditions and the remaining clauses shall survive and remain in full force and effect.

17. These terms and conditions shall be governed by and construed in accordance with the laws of England and Wales and any disputes arising from these terms and conditions shall be subject to the exclusive jurisdiction of the Courts of England and Wales.

Data Protection

18. “Personal data” and “processing” shall have the meanings set out in the General Data Protection Regulation (“GDPR”). Any reference to personal data includes a reference to sensitive personal data, as applicable, whereby sensitive personal data means personal data that incorporates such categories of data as are listed in Article 9(1) of the GDPR.

19. Customers agree that the Promoter may collect personal data from customers, including for the avoidance of doubt, the information submitted by customers when they purchase an Eligible Plan and consent to the use of their personal information for the purposes specified in these terms and conditions.

20. The Promoter shall comply with its obligations under the Data Protection Act 2018 and the GDPR.