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.
Therapies option
Problems with muscles, bones and joints can often be tackled with some simple self-management advice and may not even need treatment. But if things don’t improve, these problems can lead to time off meaning that the cost to your employees’ health and your business can be high. Trouble with bones, joints and muscles were the second biggest cause of sickness absence in the UK in 2024-25 (ONS, 2026). Our Therapies option, included as part of your business health insurance plan, can help your people fix problems with muscles, bones and joints early.
The right support to ease the pressure
- Fees paid for up to 10 sessions of outpatient treatment, that has been agreed by your therapist (physiotherapist, osteopath, chiropractor or accupunturist) as being appropriate for your medical condition. Any additional sessions need to be agreed by us and/or on specialist referral. Your GP can refer you for treatment or our muscles, bones and joints service can refer you for physiotherapy.
- Access to our online muscles, bones and joints service, for members aged 18 and over. You and your team won't need to take time out of your day to visit a GP. You can simply go online to fill out an assessment. Following the outcome of the assessment, you'll be directed to the appropriate clinician and can book an appointment online, at a time and date that works for you.
Fast access to physiotherapy with no need for a GP referral
James is 32 and is the co-founder of a graphic design agency in Manchester. They employ 24 people and have recently moved into a larger office in the city centre. During the office move, James injured his back while lifting boxes. James had opted for the Therapies option as part of his business healthcare cover, so he called the muscles, bones and joints service to discuss his injury. They advised physiotherapy and arranged some sessions for him. As James wasn’t able to go into work while his back was so painful, getting treated quickly was important – and there was no need for him to get a GP referral first.
What this option will pay for
- Up to 10 sessions a year: with a physiotherapist, chiropractor, osteopath or accupunturist (no GP referral needed if they're referred for physiotherapy or osteopathy by our muscles, bones and joints service).
- Outpatient treatment fees: for treatment by physiotherapists, osteopaths, chiropractors and acupuncturists.
- Ongoing sessions: when agreed by us upon the advice of a specialist. (You would need an outpatient option or our Diagnostics Only option for a specialist consultation to be covered.)
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 other 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 it cannot respond to emergencies. If you require an urgent response or have a medical emergency please call 111/999 or attend A&E.
Access to gym discounts
In addition to your healthcare cover, you can get up to 40% off monthly Nuffield Health Fitness and Wellbeing centre memberships and Hussle Monthly+ pass fees for you and your employees.
Your team can find their motivation whether they're training for a marathon or just getting started. Offers are subject to change and do not form part of insured benefits. Get more information and terms and conditions.
Small business guide to musculoskeletal (MSK) health
Musculoskeletal conditions can have an impact on all areas of a person's life. Our small business guide to musculoskeletal health includes some hints and tips on how small business owners and their employees can look after their MSK health, both at work and at home.
What's not covered?
As with most private healthcare plans, there are exclusions and limitations. If you'd like to find out more about what is and isn't covered, call us on 0800 389 7413* or request a callback.
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.
Straightforward health and wellbeing info, straight to your inbox
Sign up to receive business-related health and wellbeing articles.
^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.