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.
Outpatient option
In a small business, everyone plays a crucial role. So just one person being off for a while can make it hard for you and your team to keep to the commitments you’ve made. And that can increase the pressure on you all and affect your business plans.
Getting people back on their feet quickly if they become unwell is one of the ways you can show your employees that you really value what they do for you. With one of our Outpatient options, selected as part of your business health insurance plan, your employees will be seen quickly by an appropriate specialist at a time and place that works for them. They’ll feel supported, and you’ll be going that extra mile to keep them – and your business – up and running.
Fast access to private healthcare
- Our specialist appointment booking service team can arrange an appointment with a specialist that’s convenient for your employee, near home or work, at a time that works for them (GP referral required).
- Choose from three different levels of cover to match your budget: no yearly limit on outpatient consultations, up to four appointments a year, or up to two.
- Access to our online outpatient service, for selected conditions, where a specialist (consultant) will advise on next steps or provide reassurance (we aim for this to be within 3 working days, following an online clinical assessment).
Access specialists assessments and support online
Get specialist advice online within days
When you include our Diagnostics Only option or an Outpatient option on your plan, your employees will also gain access to our online specialists assessments and support for dermatology, digestive health, neurology, cardiology and urology.
If you or your employees are over 18 and have a referral from your GP, you can get your health concerns checked out quickly by a specialist online, from the convenience of your own home.
You'll need to complete an online assessment and then a specialist will review this and aim to advise on next steps within 3 working days. You'll receive a personalised report with your results. If you'd like to chat through the report or have any questions, you can have a phone or video call.
Recommendations may include prescribing medication¹ and an onward management plan or at-home or in-person tests. If your employee needs a face-to-face specialist consultation, we can check what their plan covers and source a specialist for them.
Please note: Our online outpatient services are available to members to access treatment but are not part of the insured plan and are subject to change. Using this service counts as 1 specialist consultation and will impact on excess and any outpatient limits.
1The cost of outpatient drugs isn't covered by your healthcare plan. Your employee will need to pay for the prescription charges and these may be more expensive than via an NHS prescription.
Keeping your business running
Michael is 52 and owns his own plumbing business in Surrey which employs one other person. Michael’s business is very well known in the area and, as a result, they’re often fully booked months in advance. As there are only two of them in the business, Michael understands how difficult it would be to cover the workflow if he or his employee were unable to work due to ill health. That’s why Michael has opted for the Full Outpatient option on his business health insurance. If either of them becomes unwell, once they have a GP referral, they’ll be able to see an appropriate specialist quickly without waiting around, lessening any impact on their ability to get well again – and helping his company stay afloat.
Choose from three levels of cover
Standard
- Specialist consultations: up to two specialist consultations a year.
- Diagnostic tests: no yearly limit on these when your employee’s specialist refers them.
Enhanced
- Specialist consultations: up to four specialist consultations a year.
- Diagnostic tests: no yearly limit on these when your employee’s specialist refers them.
- Fees for practitioners: no yearly limit on fees for nurses, dieticians, orthoptists, speech therapists and audiologists.
Full
- Specialist consultations: no yearly limit on specialist consultations.
- Diagnostic tests: no yearly limit on these when your employee’s specialist refers them.
- Fees for practitioners: no yearly limit on fees for nurses, dieticians, orthoptists, speech therapists and audiologists.
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'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.
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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.