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 third biggest cause of sickness absence in the UK in 2022 (ONS, 2022). 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 an overall 10 sessions of outpatient treatment with a physiotherapist, chiropractor, osteopath or acupuncturist (per membership year). Your employees will need a GP referral first (no GP referral needed if they're referred for physiotherapy or osteopathy by our muscles, bones and joints service).
- Over-the-phone or online assessment, signposting you to the correct healthcare practitioner (service available for members aged 18 and over).
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 quickly arranged 10 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 acupuncturist - your employees will need a GP referral first (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 on the advice of a specialist.
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.
Build a plan that's right for you and your business
At AXA Health, we know that every small business is unique. That’s why we offer a choice of private medical insurance options and benefits that you can select from, so that you only pay for the cover you want.1
Choose your cover options to create a package that works best for you and your team. For more help, speak to one of our advisors on 0800 389 7413^
1If you are buying cover for 1-2 people only, you will need to include either the Treatment option or the Diagnostics Only option in your plan.
Included as standard:
Regardless of the cover options that you choose, you'll have access to the following included as standard with your small business insurance plan:
- 24/7 online GP service - 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 Clinical Practitioners available 8am-10pm.
- Access to 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 - Speak to our experienced health practitioners on the phone - they can support you and your family when living with heart and cancer conditions.
- 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. So 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.
We’re proud that 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.