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Explore flexible healthcare plans for small businesses

Investing for the future while managing your bottom line. It’s what makes you good at business. That’s why our flexible healthcare cover is designed to help you do both.

We offer two different types of healthcare plans - Business Health and Business Protect. Our Business Protect healthcare plans are great if you're looking to pay less - the main difference being that you and your employees will have access to less hospitals than you would with our Business Health healthcare plans.

As well as choosing either Business Protect or Business Health and the cover options that suit your budget, here are some other budget-friendly ways you can manage your plan. 

Get covered for less than £25 per employee, per month*

Did you know you can combine our 3 most popular cover options 
 including
-Treatment with Comprehensive Cancer Cover
-Mental Health Cover and
-Therapies 
with our cost-saving Guided option (see details below) for less than £25 per employee, per month?*
So, getting healthcare cover for your team doesn't have to break the budget. 

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*The above example is based on three employees (aged 25, 35 and 40), living in a TN2 postcode, with a £100 excess and a two year moratorium on pre-exisiting conditions. Treatment with Cancer Cover, Therapies and Mental Health Cover included (50% of our customers chose these options in the last 6 months), plus our Guided option. The total cost per month is £73.29, which is equivalent to £24.43 per employee. Costs are representative as of October 2023, and prices will vary depending on location, cover options and ages. 

Ways to lower your 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.
  • 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 for example £100, £250 or £500 per employee.
  • Pay less for using specialists that we’ve sourced – our Guided option will provide you with the choice of up to three specialists and book an appointment at a time and date that suits you (this option is not available with Extended Cover). Any unauthorised treatment will not be covered.

Choose your underwriting options

You can also decide how you’ll cover your employees for any conditions they might have before they join us.  The underwriting you go for will affect the cost of your plan in different ways, depending on the options you’ve chosen.

  • Fully underwritten
    Your employees get the private healthcare cover that means so much to them, but pre-existing medical conditions aren’t covered.
  • Two-year moratorium
    We’ll cover pre-existing medical conditions your employees have after two years of cover, as long as they have been completely free from advice, treatment or a special diet for twelve consecutive months after joining.  We’ll also take care of new health concerns that begin while they are with us too. The terms and conditions of the cover you choose will apply.
  • Continuing medical exclusions
    If you’re coming from another provider, you can ‘lift and shift’ any underwriting you had with your previous health insurer across to your new plan. The terms and conditions for your new plan will apply.
  • Medical history disregarded
    We cover your hard-working employees for pre-existing medical conditions, subject to your membership terms. Available if you’re looking to cover 15 employees or more.

Reward your employees differently

We know that one size doesn’t fit all. So, with our business healthcare cover you can reward your most senior and loyal employees differently. We’ve pulled together an example plan1, based on 20 employees that provides different levels of cover depending on employees' seniority, with a total plan cost of £474.80 per month. Here's the breakdown:

3

Category 3: 12 junior employees

Rewarded with Mental Health cover and Employee Assistance Programme (Premier). Average price per month, per employee: £3.84

2

Category 2: 5 mid-level employees

Rewarded with the same options as junior employees plus, Treatment with Comprehensive Cancer cover, Therapies and Standard Outpatient cover options included. Average price per month, per employee: £35.62

1

Category 1: 3 senior employees

Rewarded with the same options as junior and mid-level employees but with Full Outpatient cover instead of Standard Outpatient cover. Plus, Private GP, Dentist and Optician Cashback and Worldwide Travel cover are included. Average price per month, per employee: £104.41

The above example is based on 20 employees (Category 1: aged 42, 55 and 57. Category 2: aged 28, 30, 37, 41 and 52. Category 3: aged 25, 26, 30, 32, 36, 37, 42, 43, 38, 40, 40 and 50), living in Guildford, with a £100 excess and two-year underwriting on pre-existing conditions. Costs are representative as of October 2023, and prices will vary depending on location, cover options and ages.

Business health insurance cost FAQs

The cost of your business health insurance will depend on a number of different factors, including the cover options you choose, the number of people and the ages of the people you are covering, the underwriting option you choose as well as your location. If you would like to find out how much business health insurance could cost you and your business, you can get a quote online or call our team on 0800 389 7413.

A number of different factors can affect the cost of your business health insurance, these include:

  • The cover options you choose
  • The number and ages of the people you would like to cover
  • The underwriting option you choose
  • Your location
  • Whether you pay monthly or annually

As a business owner, you'll want to make sure that you're looking after the health and wellbeing of your team while also looking after your bottom line. This also applies to your business health insurance. There are a number of ways that you can lower the cost of your business health insurance with AXA Health, these include:

  • Choose your cover options: Only pay for the cover you need by choosing your cover options and building a health insurance plan that works for your business and budget
  • Pay up-front: Pay annually instead of monthly and save 5%
  • Choose an excess: Reduce your annual subscription by choosing an excess
  • Pay less for using specialists we've sourced: Our Guided option means that our Specialist Appointment Booking Team will source a suitable specialist for you, helping you to be seen as quickly as possible (this option is not available with Extended Cover). Any unauthorised treatment will not be covered
  • Switch to AXA Health: Save up to 10% off your renewal premiums when you switch to AXA Health from another provider

More managing costs information

Tax essentials

Healthcare cover and tax relief

What are the tax implications of providing health insurance as a benefit for your employees? 

Small business guide to managing costs

Rising costs are currently at the forefront of everyone’s minds, including small business owners. To help ease this stress, we’ve put together a small business guide to managing costs which covers tips to help you and and your employees save money, the cost of absenteeism and the link between financial wellbeng and mental health. 


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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.

* 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.