Small business health insurance
Cover that cares for your people.
We help your people access the healthcare they need, quickly. But more than that, we listen, we support, we care.
- Help your employees get back on their feet quickly with speedy access to diagnosis and treatment
- Help retain and attract top talent to your company by showing your commitment to employee wellbeing
- Give your team more flexibility and choice over where and when they are treated.
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.
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 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.
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.