Flexible business healthcare plans that grow with your business

Small business health insurance

Flexible cover that grows with your business

Build a plan that's right for your business and your budget, wherever you are in your journey. And as your business grows, you can scale your cover accordingly when you renew. You and your employees will benefit from:

Speedy access to diagnosis and treatment
A range of services included as standard, such as our 24/7 online GP service
Flexibile appointments you can fit around work or home commitments

Cover that Cares for your people

Get a quote Call us on 0808 303 1126*

Included as standard
Business benefits
Switching providers?
What do I need for a quote?

Why choose AXA Health?

In your business, everybody counts. You need a team that’s happy, motivated and engaged. We also know sickness and illness has a big impact on small businesses and those who are self-employed. Depending on the cover options you choose, we’ll help your team avoid long waiting lists and offer them access to timely support before their health concerns have a chance to get worse.

We don’t believe in ‘one size fits all’. You know your business best. Whether it’s speedy access to diagnosis and treatment, or mental health support to help with stress, our modular business healthcare cover means you can create a plan that suits your business, your people and your budget. This flexibility is also great if you're self-employed. Over 90% of our small business customers stay with us, so we think they agree.

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What benefits are included as standard?

24/7 online GP service

Access to video or phone appointments with a GP or another registered clinical practitioner where your employees will have plenty of time to talk through their health concerns. AXA Doctor at Hand is powered by Doctor Care Anywhere. Appointments are subject to availability. GPs are available 24/7 and registered clinical practitioners are available 8am – 10pm.

Care for cancer and heart conditions

Our experienced healthcare professionals are available at the end of the phone day or night. Speak to our specialist cancer and heart nurses 9am-5pm Monday – Friday. Outside these hours our experienced nurses and counsellors provide round the clock support by phone.

Specialist appointment booking service

We can help your employees find an appropriate specialist. You'll need to include either an Outpatient option or our Diagnostics Only option with your business healthcare plan for the consultation to be covered.

Easing the pressure with physio

Access to our online muscles, bone and joint service to help your people manage or alleviate joint and muscle pain – whether it’s a bad back or sprained ankle. A physiotherapist will assess their symptoms online or over the phone and talk to them about what they could mean. Available for members aged 18 and over.

Health information and support

We’ll give your employees access to our 24/7 health support line. It comes as standard, no matter what cover options you choose, so your team can get help and support whether it's day or night.

The 24/7 health support line is not a diagnostic or advice service and cannot respond to emergencies. If you require an urgent response or have a medical emergency please call 111/999 or attend A&E.

Trusted since 1940

Providing tailored private medical insurance plans for over 85 years
Top Private Health Insurer

Recognised as a UK top health insurance company by The Telegraph
1+ million members

Join the 1.4 million members who have already chosen AXA Health

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Why is small business health insurance good for business?

Feeling valued is motivating. With healthcare benefits for employees, you can show your team just how important they are to your company.
This helps you do business better in a number of ways:

Retain employees

In 2026, The Rewards and Employee Benefits Association (REBA) listed private medical insurance as the number one benefit employees request through their workplace.
Attract top talent

Providing private medical insurance, a top employee benefit (REBA, 2026), can help attract and secure top talent for your business.
Flexible medical appointments

Allow your team to choose appointments at a time and location that suits them, so they can look after themselves and their work, no problem.

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Build our cover around your business

No two small businesses are the same. But if there’s one thing all business owners share, it’s that you’ve had to adapt to extraordinary challenges over the last few years. You know how vital it is to be flexible – and so do we. That’s why you can tailor your small business healthcare plan to fit the specific needs of your company.

We offer two different plans - Business Health and Business Protect. Our Business Protect healthcare plans are great if you're looking to pay less - the main difference being that you and your employees will have access to fewer hospitals and specialists than you would with our Business Health healthcare plans.

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, including whether you would like our Business Health or Business Protect product. 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 a Treatment Option or the Diagnostics Only Option in your plan.

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Moving or switching providers?

If you feel like your current cover isn't quite right or your premiums are too high, we may be able to help. We aim to save you up to 10% off your renewal premiums with your current provider. Plus, we make it easy to switch.

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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^

*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.

We’re proud that our Business Health plan has been rated 5 stars and our Business Protect plan has been rated 4 stars by independent financial information business, Defaqto. The Defaqto ratings are 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.

Terms and Conditions for the Free Health Assessment Cover Option

The promoter of the Free Health Assessment 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”). We are the service company to AXA Health, and both companies are part of the AXA Health Group (defined below).

“AXA Health Group” means the group of companies comprising AXA PPP healthcare Limited, AXA PPP healthcare Group Limited and any other company which is from time to time a subsidiary or holding company of such companies, or a subsidiary or holding company of any such subsidiary or holding company, as such terms are defined in section 1159 of the Companies Act 2006.

Eligibility Criteria

1. The Promoter shall lead and administer this Free Health Assessment Cover Option via its online and telephone marketing channels.

2. The Free Health Assessment Cover Option will be available from 00:00 GMT on 01.10.2026 up to and until 23.59 GMT on 31.12.2026 (the “Period”).

3. To be eligible for the Free Health Assessment Cover Option an Eligible Customer (defined below) must:

3.1 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, directly from AXA Health or via a broker (and such purchase must be made during the Period) (an “Eligible Plan”);

3.2 have no more than 64 employees covered by the Eligible Plan;

3.3 have cover under an Eligible Plan started during the Period;

3.4 not cancel the Eligible Plan within the 14-day statutory cancellation period as set out in the applicable terms and conditions of the Eligible Plan;

3.5 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

3.6 select either AXA Health’s Moratorium or Full Medical Underwriting for their Eligible Plan.

Any customer complying with the conditions in this Clause 3 will be an “Eligible Customer”.

4. Eligibility of customers and their employees 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 and their employees.

Free Health Assessment Cover Option Information

5. The Free Health Assessment Cover Option provides cover under an Eligible Plan for one health assessment per employee covered by the Eligible Plan (the “Assessment”) up to the value of £350 per employee subject to the following additional terms:

(a) The Assessment is available to lead members aged 18 or older covered under the Eligible Plan, including the lead member’s spouse, partner or any other person they are living with in a similar relationship (collectively, the “Eligible Persons”). For the avoidance of doubt, the £350 value is the maximum total cover for the Assessment for the Eligible Persons.

(b) The Assessment is available within the first year of the Eligible Plan only.

(c) If an Eligible Person is advised following the Assessment that they require treatment, there is no guarantee of cover and any claim for treatment will be considered against the terms and conditions of the Eligible Plan.

6. Any Eligible Plan purchased before or after the Period will not be eligible for participating in the Free Health Assessment Cover Option.

7. Any customer who is not an Eligible Customer will not be eligible for the Free Health Assessment Cover Option.

8. The Free Health Assessment Cover Option is non-transferable and cannot be substituted for a cash alternative. The Free Health Assessment is not available in conjunction with any other offer or discount other than the following:

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

8.2 15% off first year of cover offer available to Barclaycard business customers;

8.3 Free Dentist and Optician cashback option is available for the first year of Business Health or Business Protect cover. For Santander Business customers;

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

8.5 free EAP Premier and Mental Health option for Worldpay business customers;

8.6 free Mental Health option for AXA Business Insurance customers; and/or

7.7 10% off our standard pricing offer.

Such offers are subject to their own terms and conditions.

General Terms

9. The Promoter reserves the right to withdraw or amend the Free Health Assessment Cover Option or these terms and conditions at any time. The Promoter also reserves the right to delay, postpone or extend the Free Health Assessment Cover Options at its sole and absolute discretion.

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

11. You agree that the Promoter, any AXA Health Group company or any AXA Group company (“AXA Group” means AXA UK plc (registered number 02937724) and its direct and indirect subsidiary companies, any holding company of AXA UK plc and any subsidiary companies of such holding company, as such terms are defined in section 1159 of the Companies Act 2006) is not liable for any loss, damage or personal injury whatsoever suffered or sustained in connection with this Free Health Assessment Cover Option except for any liability which cannot be excluded by law (including fraud or for the death or personal injury caused by the Promoter’s, AXA Health Group’s company or AXA Group company’s negligence).

12. 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.

13. 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

14. “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.

15. 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.

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

10% discount Terms and Conditions

The promoter of the Price Reduction 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”). We are the service company to AXA Health, and both companies are part of the AXA Health Group (defined below).

“AXA Health Group” means the group of companies comprising AXA PPP healthcare Limited, AXA PPP healthcare Group Limited and any other company which is from time to time a subsidiary or holding company of such companies, or a subsidiary or holding company of any such subsidiary or holding company, as such terms are defined in section 1159 of the Companies Act 2006.

Eligibility Criteria

1. The Promoter shall lead and administer this Price Reduction via its online and telephone marketing channels.

2. The Price Reduction will be available from 00:00 GMT on 01.10.2026 up to and until 23:59 GMT on 31.12.2026 (the “Period”).

3. To be eligible for the Price Reduction an Eligible Customer (defined below) must:

3.1 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, directly from AXA Health or via a broker (and such purchase must be made during the Period) (an “Eligible Plan”);

3.2 have no more than 64 employees covered by the Eligible Plan;

3.3 have cover under an Eligible Plan started during the Period;

3.4 not cancel the Eligible Plan within the 14-day statutory cancellation period as set out in the applicable terms and conditions of the Eligible Plan;

3.5 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

3.6 select either AXA Health’s Moratorium or Full Medical Underwriting for their Eligible Plan.

Any customer complying with the conditions in this Clause 3 will be an “Eligible Customer”.

4. Eligibility of customers and their employees 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 and their employees.

Price Reduction Information

5. Each Eligible Customer shall receive a 10% price reduction on the standard premium rate applicable in respect of eligible employees 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 “Price Reduction”).

6. Any Eligible Plan purchased before or after the Period will not be eligible for participating in the Price Reduction.

7. Any customer who is not an Eligible Customer will not be eligible for the Price Reduction, and the standard premium rate will apply.

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

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

8.2 15% off first year of cover offer available to Barclaycard business customers;

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

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

8.5 free EAP Premier and Mental Health option for Worldpay business customers;

8.6 free Mental Health option for AXA Business Insurance customers; and/or

8.7 free health assessment cover option.

Such offers are subject to their own terms and conditions.

General Terms

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

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

11. You agree that the Promoter, any AXA Health Group company or any AXA Group company (“AXA Group” means AXA UK plc (registered number 02937724) and its direct and indirect subsidiary companies, any holding company of AXA UK plc and any subsidiary companies of such holding company, as such terms are defined in section 1159 of the Companies Act 2006) is not liable for any loss, damage or personal injury whatsoever suffered or sustained in connection with this Price Reduction except for any liability which cannot be excluded by law (including fraud or for the death or personal injury caused by the Promoter’s, AXA Health Group’s company or AXA Group company’s negligence).

12. 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.

13. 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

14. “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.

15. 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.

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

Flexible cover that grows with your business

Included as standard

Business benefits

Switching providers?

What do I need for a quote?

Why choose AXA Health?

24/7 online GP service

Care for cancer and heart conditions

Specialist appointment booking service

Easing the pressure with physio

Health information and support

Trusted since 1940

Top Private Health Insurer

1+ million members

Why is small business health insurance good for business?

Retain employees

Attract top talent

Flexible medical appointments

Build our cover around your business

Moving or switching providers?

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