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:
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.
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:
Cover for hospital procedures and operations, including surgery, plus radiotherapy and chemotherapy for cancer when you include Comprehensive Cancer Cover.
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.
Ensures employees with a GP referral are seen quickly by a specialist at a time and place suitable for them.
Cover for referred treatments by an osteopath, physiotherapist, acupuncturist, homeopath or chiropractor.
Look after more than just your employees’ physical health with cover for mental health treatment.
Makes it easy for you and your employees to see a private GP in person, promptly, at a time that’s convenient.
Whether travelling for business or pleasure, cover your people for emergency medical treatment. You will also have access to other travel-related benefits.
Help your employees look after their teeth and eyesight with cashback towards dentists’ fees, glasses, contact lenses and eye tests.
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.
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.
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:
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.
^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.
Sources and references
1Cover Magazine, 2018
2Canada Life Group, 2018
3University of Warwick, 2014
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:
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.
Here are some other ways you can look after your employees while still keeping an eye on your bottom line.
Defaqto - 5 Star Rating
feefo - Platinum Trusted Service Award
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.
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.
Our small business guide to health insurance covers lots more FAQs, you can read it here.
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
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.
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:
A pre-existing medical condition is any disease, illness or injury that:
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.
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:
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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 nuffieldhealth.com/gyms/membership/multi-club-access. 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 axahealth.co.uk/terms/gym-discount.