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.
Mental Health option
When you’re running a business, you want your employees to flourish in their roles, not suffer in silence if life becomes a struggle. Today, we know that people often have problems with their mental health, so looking after your employees' minds as well as their bodies, is more important than ever.
With our Mental Health option in place, as part of your business health insurance plan, you’ll show your business commitment to supporting mental health. And you’ll be able to help your staff start feeling like themselves again, whether they need counselling^, psychologial therapy, or psychiatric treatment in a private hospital (individual exclusions may apply due to medical history, regardless of group cover).
Supporting mental health in the workplace
- Your employees can talk confidentially to an expert without any fuss. As soon as they are concerned about their mental health, they just need to call us to arrange an assessment.^
- Our approved network of clinical psychologists span the UK and have been carefully selected to support our members.
- If talking therapy or counselling is recommended, our mental health assessments and support service will arrange in-person or remote video sessions – whatever feels right.
- There’s no need for them to take time out for a GP appointment – we can book an appointment with a mental health professional such as a counsellor or psychologist who will listen to their concerns and guide them to the right support.
- If your employee has a complex condition, or their treatment plan needs to be revised, our mental health assessments and support service team will be there to guide them, ensuring they’re comfortable with every decision that’s made to help them get well.
^Available to members aged 18 and over. Only counselling arranged through our mental health assessment and support service is covered by this cover option.. The service cannot respond to emergencies. If you require an urgent response or have a medical emergency please call 111/999 or attend A&E.
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.
What this option will pay for
- Counselling sessions: in-person or remote video counselling when it's arranged by our mental health assessments and support service, helping your employees get the help they need quickly.
- Outpatient treatment: specialist consultations for psychiatric treatment, or psychiatric treatment by a psychologist or cognitive behavioural therapist.
- Care in hospital: private psychiatric treatment fees, including accommodation and diagnostic tests at any of the hospitals or day-patient units in the plan's hospital list.
Talking to an expert to reduce the worry
Anne is 39 and is part of a team of 12 other recruitment consultants. Recently, Anne has been feeling depressed and has found it increasingly difficult to sleep at night. As a recruitment consultant, her role is highly target-focussed. She’s been lacking energy, feeling exhausted and falling short of her targets at work, which is adding to her stress.
Anne has a very honest and open relationship with her manager and confides in her during their next catch up. Anne’s manager reminds her that she has access to mental health support as part of their business health insurance. This means that she doesn’t need a GP referral – she can simply call the mental health assessments and support service to start receiving help and support.
On her lunch break, Anne calls the service and books a call to speak to a counsellor at a time that suits her. The counsellor listens attentively and immediately Anne starts to feel better about things. They subsequently agree a plan that includes 5 remote video sessions which are more convenient for Anne to attend than in-person sessions. Taking this first step already makes Anne feel brighter for the first time in a long while and getting here has been easier than she expected it to be – thanks to the Mental Health option.
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 call us on 0800 389 7413* or request a callback.
Small business mental health diagnosis and claims process
When you're struggling with your mental health, it can be difficult to reach out for help. We've created a guide to our mental health diagnosis and claims process, so you and your team can know exactly what to expect.
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.
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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.