Small business health insurance

Save 25% on our standard pricing when you join AXA Health

Lowered price offered to new customers buying business health insurance for the first time, covering up to 19 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. Available 18.05.2026 - 30.09.2026.

Cover that Cares for your people

Get a quote Call us on 0808 303 1126*

What is small business health insurance?

Small business health insurance is an insurance policy that offers quick access to eligible private healthcare for you and your employees, helping look after their health and wellbeing.

Our small business health insurance plans provide cover for 1-249 employees. We think that the best way for you to get the cover that's right for you and your company is to let you build your plan yourself, so we offer a range of affordable cover options for you to choose from. 90% of our small business customers stay with us, so we think they agree too.

Whether your priority is giving your employees quick access to diagnosis and treatment, mental health support for the pressures which come with your area of work, or speedy physiotherapy access for your team, you can choose the best combination of cover for your business and budget. Plus, you and your employees can also add family members to your plan.

Get a quote Call us on 0800 389 7413*

Did you know there are tax benefits to taking out a business healthcare plan?

Private medical insurance is often a highly valued employee benefit. Quick access to diagnosis and treatment can have benefits for both your team and for your business and it can even be beneficial from a tax perspective. If you take out a business healthcare plan rather than a personal one, you could be eligible for tax relief.

Find out more Get a quote

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.

Prefer us to call you?

Request a callback and one of our team will be in touch between 8.30am-5.30pm Monday - Friday.

Request callback

Included as standard with your plan

24/7 online GP service

Access to video or phone appointments with a GP or Advanced 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. Advanced 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

If your employee needs to see a specialist, our specialist appointment booking service makes it easy to go straight to a suitable specialist. The sooner they see a consultant, the sooner they can get a diagnosis and treatment, and the sooner they can start getting better. 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 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. The 24/7 Health Support line cannot respond to emergencies. If you require an urgent response or have a medical emergency please call 111/999 or attend A&E

Looking for personal health insurance?

Our personal health insurance plans come with lots of benefits too.

Get a quote

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 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”).

Eligibility Requirements
1. The Promoter shall lead and administer this Price Reduction via its online and telephone marketing channels.
2. To be eligible for the Price Reduction 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 19 employees covered by the Eligible Plan;
2.3 purchase, and have cover started under, an Eligible Plan during the Price Reduction 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.

Price Reduction Information
4. Each Eligible Customer shall receive a 25% price reduction off our standard pricing 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 “Price Reduction”).
5. Details of the Price Reduction Period are set out below:

Opening Date and Time Closing Date and Time

"Price Reduction period"
00:00 GMT

18 May 2026

23:59 GMT

30 Sep 2026

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

7. Any customer who is not an Eligible Customer will not be eligible for the Price Reduction.

8. The Price Reduction 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:

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; and/or

8.6 free Mental Health option for AXA Business Insurance customers.

Such offers are subject to their own terms and conditions.

General Terms

9. 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.

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

11. 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.

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.