Small business health insurance

Make work more rewarding with healthcare cover

Help improve employee recruitment, retention and workplace wellbeing.
Join over 250,000 members and get small business medical cover for 1 to 249 employees from AXA Health.

Get a quote
call us on 0800 389 7413*

Shape your small business health insurance around your business

Your business is different from the rest. It makes sense to choose healthcare cover that is too. Here’s how you start to shape your plan:

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Choose the cover options that are right for your business.

Decide who to cover and how you’d like to handle existing conditions.

Only pay for the cover you want.^

^If 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. More information can be found in our brochure.

Every cover option includes these benefits as standard

  • 24/7 access to a private GP
    Unlimited access to phone and video appointments with a GP, whenever required. AXA Doctor at Hand, powered by Doctor Care Anywhere. Appointments subject to availability and their fair usage policy.
  • Cancer and heart care
    Support from our telephone nursing team through the uncertainty of serious illness.
  • Physiotherapy consultations
    Get to the bottom of aches and pains with no need for a GP referral. Speak to the right expert over the phone or online. Our Working Body service is available for members aged 18 and over.
  • Wellbeing incentives
    Up to 40% off monthly Nuffield Health, Fitness and Wellbeing centre membership fees** for you and all your employees.
  • Health information phone line
    Answers to healthcare queries from our health information phone line or from our online health centres.
  • Proactive Health Gateway
    Access to a health and wellbeing online platform, tailored to your people and their goals.
call us on 0800 389 7413*

Your cover options. Your way.

Nobody knows your business like you do. So to get the most appropriate healthcare cover for it, we enable you to build your plan yourself. Choose what works best from these options:

Treatment option


Cover for hospital procedures and operations, including surgery, plus radiotherapy and chemotherapy for cancer when you include Comprehensive Cancer Cover.

Diagnostics option

Diagnostics Only

Waiting for a diagnosis can be a worrying time. This option fast-tracks the process of finding out what’s wrong if you or one of your employees becomes unwell.

Outpatient option


Ensures employees with a GP referral are seen quickly by a specialist at a time and place suitable for them.

Therapies option


Cover for referred treatments by an osteopath, physiotherapist, acupuncturist, homeopath or chiropractor.

Mental health option

Mental Health

Look after more than just your employees’ physical health with cover for mental health treatment.

Private GP option

Private GP

Makes it easy for you and your employees to see a private GP in person, promptly, at a time that’s convenient.

Travel option


Whether travelling for business or pleasure, cover your people for emergency medical treatment. You will also have access to other travel-related benefits.

Dentist and Optician cover option

Dentist and Optician Cashback

Help your employees look after their teeth and eyesight with cashback towards dentists’ fees, glasses, contact lenses and eye tests.

Extended cover

Extended Cover

Provides even greater flexibility and choice over where your people are treated. Plus, extra cover for planned, pre-approved treatment abroad and cover for the routine management of chronic conditions like asthma.

EAP option

Employee Assistance Programme

If they’re going through difficult times, such as divorce or money problems, this option gives your people a professionally trained expert to talk to; on the phone, or in person, depending on the chosen programme.

Take the complication out of covering existing conditions

Underwriting allows you to decide how you'll cover team members for any conditions they might have before joining us. The underwriting option that you choose can affect the cost of your healthcare cover. The underwriting options available are:

  • Fully underwritten - This means that any pre-existing medical conditions that you or your team might have aren't covered. This option requires you and your employees to declare your medical history when you join.
  • Two-year moratorium - Any pre-existing medical conditions may be covered after two years continuous cover, provided you've been completely trouble free from advice, treatment or a special diet for at least a continuous year after joining.
    A pre-existing condition is any disease, injury or illness that you have received medication, advice or treatment for, or have experienced symptoms of, in the five years before the start of cover.

  • Continued medical exclusions - If you're joining us from another private health insurance provider, you could continue any underwriting arrangements that you had with your previous provider across to your new plan. The rules and benefits of your new plan with AXA Health will apply.
  • Medical history disregarded - This underwriting option means that we could cover you and your team for pre-existing medical conditions, subject to your membership terms. This option is available if you're looking to cover 15 employees or more. With this option, we don't ask for medical history declarations from you and your team. Pre-existing conditions are accepted subject to the rules and benefits of the plan.

An example plan: £25 per month, per employee^

To help get you started, here's an example package. It’ll give you a feel for
costs, what’s right for you and how easy it is to make your own plan.

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Cover for hospital procedures and operations, including surgery, including comprehensive cancer care.


Cover for referred treatments by an osteopath, physiotherapist, acupuncturist, homeopath or chiropractor.

Ensures, after GP referral, employees are seen quickly by a specialist at a time and place suitable for them.

^The above example is based on six employees (aged 25, 30, 35, 40, 45 & 50), living in Guildford, paying annually for a 5% discount, with a £100 excess and a two year moratorium on pre-existing conditions. Costs are representative as of April 2021, and prices will vary depending on location, cover options and ages.

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Get your Business Health insurance brochure

Our brochure tells you everything you need to know about health insurance benefits for small businesses.

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The benefits of business health insurance

  • Employee retention. Including small business health insurance in your employee benefits package can be a great way to retain your top team members. One survey found that 42.7% of UK employees said that private medical insurance was the benefit they would most like to see as part of their employee benefits package1
  • Recruitment incentive. Small business health insurance can also be a great incentive to help attract new team members to your business. One study found that 85% of employees are more likely to work for employers who offer clearly labelled benefits2
  • Flexible medical appointments. Small business health insurance also comes with the added benefit that medical appointments can often be at a time and place that works for you, so you can minimise the impact that they have on your day
  • Workplace wellbeing. Small business health insurance can also be beneficial to overall workplace wellbeing as it provides your team with access to health information and support when they need it. So you can rest assured that should a member of your team have a concern or question about their health, we’ll be on hand to support them
  • Productivity. Employee wellbeing can, in turn, have a number of benefits for a business including improved productivity. A study conducted by the University of Warwick found that happiness made employees 12% more productive3

Sources and references

1Cover Magazine, 2018

2Canada Life Group, 2018

3University of Warwick, 2014

What’s not covered?

As with most private healthcare plans, there are some general exclusions and limitations. Here are some of the most significant things that your plan won't cover:

  • Routine pregnancy and childbirth.
  • Out-patient drugs and dressings.
  • Treatment of ongoing, recurrent and long-term conditions (chronic conditions).
  • Cosmetic treatment.
  • Treatment needed as a result of training for or taking part in any sport for which you are paid, receive a grant or sponsorship (not counting travel costs) or are competing for prize money.
  • Treatment of medical conditions you had, or had symptoms of, before you joined. Depending on the underwriting option you choose.
  • Fees if you choose to use a hospital that is not in our Directory of Hospitals.

This information is just a summary of some of the cover we offer and the key exclusions. For more information about our cover, any cover limitations and what we don't cover please see our product brochure.

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Switch to AXA Health and save

We’ll aim to reduce your premiums by up to 10% if you switch your employee health cover to us.

Ways to lower your small business health insurance costs

Here are some other ways you can look after your employees while still keeping an eye on your bottom line. 

  • Pay up-front
    Save 5% by paying your subscription yearly instead of monthly.
  • Guided option
    Pay less for using specialists that we’ve sourced. Our Fast Track Appointments team will give you the option of up to three specialists and book an appointment to suit your employee.
  • Fix your subscription for two years
    Know exactly how much you’ll be investing in each employee over the next two years (tax changes still apply.)
  • Choose an excess
    Reduce your annual subscription with an excess of £0, £50, £100, £150, £200, £250, £325, £400, £500, £625 or £750  per employee.

Get a quote from an award-winning provider today

Defaqto PMI-Rating-2021-600x380.pngDefaqto - 5 Star Rating
We’re proud that our Business Health plan has been rated 5 Stars by independent financial information business, Defaqto.

feefo_platinum_service_2021_tag_dark.pngfeefo - Platinum Trusted Service Award

Those that meet feefo's criteria of excellence achieve Trusted Service recognition. Only businesses whose experience is highly rated by their customers make the grade.

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.

get a quote
call us on 0800 389 7413*

Watch how businesses are doing healthcare cover their way

Example plans video

Every business needs to look after their employees differently to keep them at the top of their game. High pressure jobs might need mental health support. Physically strenuous work might need physio. Whatever your team needs, you can get it.

To get started, take a look at three example plans to give you an idea of how your plan could look and what it might cost. When you've got your head around the cover you might want, pick and choose the options that are right for you.

Business health insurance FAQs

Our small business guide to health insurance covers lots more FAQs, you can read it here

How does health insurance impact tax?

When providing private health insurance as an employee benefit to your team, it is considered to be a benefit in kind. Your employees will therefore need to pay tax on the benefit amount.
At the end of each tax year, employers have to complete a P11D form for every employee who has received expenses or benefits in addition to their salary (this doesn’t include routine business expenses and benefits like travel and company car fuel).

Read our blog post to find out more about how private medical insurance impacts tax

How much does business health insurance cost?

At AXA Health, we think that the best way for you to get the healthcare cover that’s right for your business and your budget is to let you build your plan yourself. That’s why we offer a range of healthcare cover options, so you only pay for the cover you need^.

As well as tailoring your cover and choosing only the options you need, we also have a number of cost saving options available so you can look after your people whilst still keeping an eye on your bottom line. 

Find out more about our cost saving options.

^If you’re buying healthcare cover for 1-2 people only, you will need to include either Treatment or Diagnostics Only in your plan.

What are chronic conditions?

Small business health insurance, in most cases, covers the cost of private treatment for new acute conditions that develop after your plan has started (depending on the details of your plan). Chronic conditions generally aren’t covered on most small business health insurance plans.

A chronic condition is a disease, illness or injury that has one or more of the following characteristics:

  • It needs ongoing or long-term monitoring through consultations, examinations, check-ups and/or tests
  • It needs ongoing or long-term control or relief of symptoms
  • It requires your rehabilitation or for you to be specially trained to cope with it
  • It continues indefinitely
  • It has no known cure
  • It comes back or is likely to come back

What is a pre-existing condition?

A pre-existing medical condition is any disease, illness or injury that:

  • You have received medication, advice or treatment for in the five years before the start of your cover, or
  • You have experienced symptoms of in the five years before the start of your cover whether or not the condition was diagnosed.

The process of underwriting determines whether pre-existing medical conditions are covered on your plan. The underwriting option that you choose can affect the cost of your healthcare cover. 

More information on the process of underwriting can be found in our Small Business Guide to Health Insurance.

Small Business Guide to Health Insurance

At AXA Health, we understand that if you’ve considered adding private health insurance to your employee benefits package then you probably have a lot of questions around how it works. That’s why we’ve created our Small Business Guide to Health Insurance. The guide covers off a number of frequently asked questions, including:

  • What underwriting options are available and what can’t I claim for?
  • How does private health insurance impact tax?
  • How does the claims process work?

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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.

**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