Business health insurance FAQs

Generally, business health insurance is designed to cover acute new conditions that develop after your policy has started. 

However, if you're joining us from another provider on continuing medical exclusions terms, this means we'll carry on the underwriting you had with your previous provider for your medical conditions. The rules and benefits of your new plan will apply.

If you are taking out a new plan with us and would like to cover pre-existing conditions for you and your team you could choose to have medical history disregarded underwriting. This underwriting option means that we could cover you and your team for pre-existing medical conditions, subject to your membership terms. This option is available if you’re looking to cover 15 employees or more. With this option, we don’t ask for medical history declarations from you and your team. Pre-existing conditions are accepted subject to the rules and benefits of the plan.

As with most health insurance, there are certain things that our small business health insurance plans don’t cover. Some of the more significant exclusions include:

Full details of what we cover, any limits to cover and the exclusions can be found in the membership handbook

Yes. At AXA Health, we know that one size doesn’t fit all. So, with our business healthcare cover you can reward your most senior and loyal employees differently.

Up to 6 categories can be included on a plan and each category requires a minimum of 3 lead members.

Yes, family members can be added to the plan at any point during the policy. 

An excess is the amount that is paid by your employee if they make a claim, and applies each plan year. You can choose the excess amount when you take out your business health insurance plan with us. 

Yes, if you have a business bank account then you can get business health insurance with us at AXA Health. Find out more about health insurance for the self-employed

The cost of your business health insurance will depend on a number of different factors, including:

Find out more about how much business health insurance costs

Yes, it’s easy to add or remove members to your plan at any point during your policy. The group decision maker can either email us or call us on the phone number listed in the handbook.

When you take out business healthcare cover with us, you and your employees will have access to the following:

You can find our Directory of Hospitals for our Business Health plans here and our Business Protect plans here

With business health insurance, you and your team will have fast access to medical treatment when you need it most. We have over 250 hospitals within our hospital directory, and we work with over 39,000 specialists and other  practitioners. 

You'll need to include an Outpatient option or our Diagnostics Only option with your plan for outpatient specialist consultations to be covered. 

Yes. Regardless of the cover options you choose, you and your team will have access to our 24/7 online GP service, Doctor at Hand (provided by Doctor Care Anywhere) included as standard. Appointments are subject to availability.

Here's how the claims process usually works:

Yes. We make it easy to switch to AXA Health from your current provider. Plus, we aim to save you up to 10% off your renewal premiums with your current provider.

To get a quote with us, we ask that you provide:

It’s often easiest if you can send over your renewal paperwork, which holds all the information we need. It’s also known as a ‘membership statement’

Find out more about how to switch to AXA Health