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.
Treatment option
Serious illness affects everyone. If a member of your team needs an operation or a procedure, having the Treatment option on your small business health insurance plan means they’ll be treated quickly, helping to put everyone’s minds at ease.
With cancer cover included too (unless you choose to opt out from the full cancer cover), your team can have quick access to treatment for cancer including surgery, radiotherapy and chemotherapy.*
Including an Outpatient option with a Treatment option provides cover for outpatient specialist consultations and diagnostic tests, when a GP refers you or an employee. Our specialist appointments booking service team can then help arrange an appointment with a specialist at a convenient time and place - near home or work. If hospital treatment is the next step, they’ll be treated privately.
*Individual exclusions may apply, regardless of group cover.
Quick access to private health treatment for your employees
- If someone on your team falls ill, we’ll pay for their private health treatment costs, including overnight stays, nursing care, inpatient and day patient diagnostic tests and drugs.
- Cover the cost of specialist-referred scans, including MRI, CT and PET scans.
- To include fees for cancer surgery, radiotherapy and chemotherapy, choose our Treatment with Comprehensive Cancer Cover option. Outpatient drugs are not covered.
- If someone on your team has a child who is receiving eligible treatment and is covered by your plan, we'll pay for one parent to stay in hospital with their child.
Private treatment and no long waiting times
Julie is 46 and owns a carpentry business in Norwich. She employs two other people, part time and, because the work they do is very physical, has the Treatment option on her healthcare cover. Recently, she’s been suffering from severe knee pain and has been to see a specialist who has referred her for knee surgery.
Because of her private health treatment option, Julie has already had her operation. She didn’t have to wait long and her procedure was carried out at a private hospital near home. We paid the fees for Julie’s operation in full as it was carried out at a hospital listed in our directory.
Choose from two levels of cover
Treatment option with NHS Cancer support
With this option, you'll receive the below if you require treatment (not including cancer*):
Inpatient and day patient treatment: including diagnostic tests, operating-theatre costs, drugs and dressings, surgical appliances and fees for surgeons, anaesthetists and doctors at hospitals or day patient units listed in the plan's hospital list.
Accommodation: when your employee's dependant or partner is covered by your insurance and receiving eligible private treatment, they can receive up to £120 a night for nearby hotel accommodation (up to £600 a year).
Outpatient surgery: when your employee is treated at a hospital or day patient unit in the plan's hospital list.
Specialist scans: CT, MRI or PET scans on referral at a scanning centre or a hospital listed as a scanning centre in the plan's hospital list.
Help with ambulance transport: ambulance transport to another medical facility if your employee is receiving eligible private treatment in one hospital and is medically required to be transferred to another facility.
Cashback for inpatient NHS treatment: Cash payment of £100 a night (up to the value of £2,000 a year) when your employee has free inpatient treatment under the NHS that would've been eligible on their plan.
*If you are diagnosed with cancer, this option only provides cover for any specialist-referred cancer drugs that the NHS won't pay for. For any other cancer treatment you would need to use the NHS.
Treatment option with Cancer Cover
With our Treatment with Cancer cover option, you'll receive the below if you require treatment, including any cancer treatment (individual exclusions may apply, regardless of group cover):
Inpatient and day patient treatment: including diagnostic tests, operating-theatre costs, drugs and dressings, surgical appliances and fees for surgeons, anaesthetists and doctors at hospitals or day patient units listed in the plan's hospital list.
Accommodation: when your employee's dependant or partner is covered by your insurance and receiving eligible private treatment, they can receive up to £120 a night for nearby hotel accommodation (up to £600 a year).
Outpatient surgery: when your employee is treated at a hospital or day patient unit in the plan's hospital list.
Specialist scans: CT, MRI or PET scans on referral at a scanning centre or a hospital listed as a scanning centre in the plan's hospital list.
Help with ambulance transport: ambulance transport to another medical facility if your employee is receiving eligible private treatment in one hospital and is medically required to be transferred to another facility.
Cashback for inpatient NHS treatment: Cash payment of £100 a night (up to the value of £2,000 a year) when your employee has free treatment under the NHS that would've been eligible on their plan.
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.
Straightforward health and wellbeing info, straight to your inbox
Sign up to receive business-related health and wellbeing articles.
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.
*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.