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Self-employed health insurance

When things are going well, being self-employed is great. But when sickness strikes it can feel as though no one’s got your back. There’s probably no one who can do your job for you, so not only are you suffering, you also face a potential loss in earnings.

With our health insurance for the self-employed, you’ll have someone on your side helping you get diagnosed and treated quickly, so you can get back to running your business.

Back to health and back to work with self-employed health insurance

When you're self-employed, our business health insurance means you won’t have to worry about delays and waiting lists in order to access diagnosis and treatment. We’ve got an appointment booking service which will help you to see a specialist quickly. And if you need treatment we can book you in at a time that suits you. We’ll then make sure you’re as comfortable as possible in a private hospital or the private wing of an NHS hospital. Cover is subject to the cover options chosen.

Self-employed health insurance to suit you

Because everyone is different, our self-employed health insurance is really flexible. You can build cover that’s right for you and your business, and there are also lots of ways you can manage your costs – so it might be cheaper than you think.

Health insurance when you're self-employed FAQs

When you're self-employed, taking time off work due to ill health can have a big impact on your business. There's often no one who can pick up your work while you're off, which can result in lost contracts and financial implications. 

Health insurance helps you to get back to work quickly through prompt access to diagnosis and treatment. This means that you can get seen and start receiving treatment quickly, helping to minimise the amount of time that you need to spend away from work. 

You'll also have access to health information and support, meaning you can get reassurance and don't have to spend more time worrying than you have to.

Yes, if you have a business bank account then you can get business health insurance with us at AXA Health. 

At AXA Health, we think that the best way for you to get the health insurance that's right for you is to let you build your plan yourself. We offer a range of cover options for you to choose from, so you can build a plan that suits you and your budget. 

Regardless of the cover options that you choose, if you take out health insurance with us at AXA Health, we give you access to the following services and offers:

  • Access to our 24/7 online GP service, AXA Doctor at Hand (provided by Doctor Care Anywhere, appointments subject to availability)
  • Health information and support via our 24/7 health information helpline
  • Speak to a physiotherapist online or over the phone without the need for a GP referral via our muscles, bones and joints service (for members age 18 and over)
  • Cancer and heart nurses available by phone to help you and your family when living with these conditions
  • Up to 40% off monthly gym membership**

The cost of your self-employed health insurance varies depending on a number of different factors, including the cover options you choose, your age and the underwriting option that you choose.

Included as standard:

Regardless of the cover options that you choose, you'll have access to the following included as standard:

  • 24/7 access to a private GP - Access to our 24/7 phone and video GP service, AXA Doctor at Hand (powered by Doctor Care Anywhere). Appointments are subject to availability. Advanced Nurse Practitioners available 8am-10pm. 
  • Muscle, bone and joint support - You and your team aged 18 and over get access to a physiotherapist over the phone, or online without the need for a GP referral.
  • Health information phone line - Our helpline is open 24/7 for health information and support from nurses and counsellors. Midwives and pharmacists are available from 8am-8pm Monday to Friday, until 4pm on Saturday, and until 12pm on Sunday.
  • Heart and cancer support - Get support from our experienced health practitioners, who can support you and your family when living with heart and cancer conditions.
  • Gym discounts - In addition to your healthcare cover, you can get Up to 40% off monthly Nuffield Health, Fitness and Wellbeing centre membership and Hussle Monthly+ pass fees** for you and your employees. Which means your team can find their motivation, whether they’re training for a marathon or just getting started.**

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Defaqto 5 star rated

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.

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* 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.

**Discount applies to Nuffield Health fitness and wellbeing centre monthly individual membership only. Your employees must provide proof of membership and/or employer. You, your spouse, partner or dependent must be a named member on a current AXA Health  healthcare plan to get a 40% discount and be 18 years or older. As a member, you can access your home club (the one you select on joining) as well as many more clubs around the country. These depend on your home club. You must use your home club at least 50% of the time. The joining fee is £39 and may be subject to change by Nuffield Health. Existing members of Nuffield Health who transfer to a 40% off AXA Health discount will be charged a £39 administration fee by Nuffield Health. Read full terms and conditions at axahealth.co.uk/terms/gym-discount.

40% off Nuffield Health 24/7 online memberships - available to your employees and their spouses, with or without an AXA Health membership. For age 18 and over. Read full terms and conditions at axahealth.co.uk/terms/gym-discount.

40% off the purchase of a Hussle Monthly+ pass is available to members on an AXA Health healthcare plan. A partner or spouse and direct dependants (age 16 and over) included on their healthcare plan can also get 40% off the purchase of a Hussle Monthly+ pass. 33% off a Hussle Monthly+ pass is available to employees of AXA Health healthcare clients not covered by a company healthcare plan. They must provide proof of employer. Read full terms and conditions at axahealth.co.uk/terms/gym-discount.