Private health cover
We provide business healthcare cover for 1 to 249 employees. Our plans are built around the needs of you and your business.
In most instances, private medical insurance (sometimes referred to as private health insurance or private healthcare cover) covers the cost of private medical treatment for acute conditions that develop after your policy has started (depending on the details of your plan). Treatment for chronic conditions usually isn’t covered by private medical insurance.
What does private medical insurance usually cover?
As mentioned above, private medical insurance typically covers the cost of private medical treatment of acute conditions that develop after your policy has begun. An acute condition is defined as a disease, injury or illness that is likely to respond quickly to treatment which aims to return you to the state of health you were in immediately before suffering the disease, injury or illness, or which leads to your full recovery.
Private medical insurance doesn’t typically cover the cost of treatment for chronic conditions. A chronic condition is a disease, illness or injury that has one of more of the following characteristics:
- It needs ongoing or long-term monitoring through consultations, examinations, check-ups and/or tests
- It needs ongoing or long-term control or relief of symptoms
- It requires your rehabilitation or for you to be specially trained to cope with it
- It continues indefinitely
- It has no known cure
- It comes back or is likely to come back
The acute conditions that are covered by your plan will depend on a number of factors including your medical history, the underwriting option you select and the cover options that you choose. At AXA Health, we offer a range of small business health insurance cover options for you to choose from so you can build a plan that works for you, your team and your budget.