Small business health insurance
10% discount + Free Health Assessment cover option included
Build a plan that's right for your business and your budget. Free Health Assessment cover option (for year 1) + 10% discount. Available when purchasing
health insurance for the first time (covering 1-64 employees). Must include Treatment or Diagnostics Only cover option for all and choose moratorium or full underwriting. Offer valid 01/10/26 - 31/12/26. See full T&Cs
With our healthcare cover, 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
10% discount +
Free Health Assessment cover option included
Free Health Assessment cover option (for year 1) + 10% discount. Available when purchasing health insurance for the first time (covering 1-64 employees). Must include Treatment or Diagnostics Only cover option for all and choose moratorium or full underwriting. Offer valid 01/10/26 - 31/12/26. Further T&Cs apply.
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.
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.
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.
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.
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:
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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.
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Attract top talent
Providing private medical insurance, a top employee benefit (REBA, 2026), can help attract and secure top talent for your business.
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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.
Included as standard with your plan
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. 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
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 and it 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.
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.
*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.