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Small business

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Treatment option

Serious illness affects everyone. If a member of your team needs an operation or a procedure, having this option on your small business health insurance plan means they’ll be treated quickly, helping to put everyone’s minds at ease. 

Our Fast Track Appointments team will arrange an appointment with a specialist somewhere that works for your employee – near home or work – at a good time for them and your business. If hospital treatment is the next step, they’ll be treated privately. 

With Comprehensive Cancer Cover included with this option (unless you choose to opt out from the full cancer cover), your team can have access to fast-track treatment for cancer including surgery, radiotherapy and chemotherapy (subject to medical history).

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 outpatient scans, including MRI, CT and PET scans.
  • To include fees for cancer surgery, radiotherapy and chemotherapy, choose our Treatment with Comprehensive Cancer Cover option.
  • If someone on your team has a child who is receiving eligible treatment and is covered by your plan, one parent will receive accommodation in hospital with their child.

Effective private treatment and no long waiting times


Julie is 46 and owns a painting and decorating 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.

What this option will pay for

  • 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 our directory.
  • Hospital accommodation for mum or dad: when your employee’s child is covered by your insurance and receiving eligible private treatment, or up to £100 a night for nearby hotel accommodation (up to £500 a year).
  • Outpatient surgery: when your employee is treated at a hospital or day-patient unit in our Directory of Hospitals.
  • Specialist scans: CT, MRI or PET scans on referral at a scanning centre or a hospital listed as a scanning centre in our directory.
  • 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 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.
  • All of the above if it’s cancer: when you choose our Treatment with Comprehensive Cancer Cover option for complete peace of mind (subject to medical history).

What's not covered?

As with most private healthcare plans, there are exclusions and limitations to cover. 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

CALL US ON 0800 389 7413*

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 healthcare cover 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 inspiration, take a look at our example plans. For more help, speak to one of our advisers 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:

  • 24/7 access to a private GP - Unlimited access to our 24/7 phone and video GP service, AXA Doctor at Hand (powered by Doctor Care Anywhere). Appointments are subject to availability. Doctor Care Anywhere fair usage policy applies.
  • Muscle, bone and joint support - Our Working Body service gives you and your team aged 18 and over access to a physiotherapist over the phone, or remotely 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 nurses - Get support from our telephone nursing team, who are experienced in supporting you and your family when living with these conditions.
  • Physiotherapy consultations - Our online platform giving you and your team access to wellbeing support that's tailored to their individual goals. They can use the AXA Health Age calculator to find out their 'Health Age' and follow in-depth guidance and make suggested changes to get healthier.
  • Healthy rewards - Up to 40% off for you and all your employees at Nuffield Health Fitness and Wellbeing centres. Terms apply**

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Defaqto Expert Rated 5 Star Award PMI (Group) 2021                Feefo Platinum Service Award 2021

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.

Award-winning provider

  • Defaqto - 5 Star Rating
  • Feefo - Platinum Trusted Service Award

* 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.

**Discounts apply to Nuffield Health’s fitness & wellbeing gym monthly individual membership only. You, your spouse, partner or dependant must be a named member on a current AXA Health private healthcare plan to be eligible for a 40% discount.  Employees of AXA Health clients who are not covered by an AXA Health private healthcare scheme are eligible for a 20% discount. Partners/spouses are also eligible for a 20% discount. You must provide proof of membership and/or employer. The spouse, partner or dependant must join at same time or after to be eligible. All must be 18 years old or older. As a member you will gain access to your home club (the one you select on joining) as well as many more clubs around the country, these depend on your home club and can be viewed at You must use your home site at least 50% of the time. A £35 joining fee applies to all new members to Nuffield. A £35 admin fee applies to existing Nuffield members transferring to the 40% discount offer and no fee applies to existing Nuffield members transferring to the 20% discount. Further terms and conditions apply visit