Contractor health insurance

Yes, if you have a business bank account then you can get business health insurance with us at AXA Health.

At AXA Health, we know that one size doesn't fit all when it comes to business health insurance. That's why we let you build a plan yourself by letting you choose the cover options that you want, so you can get business health insurance that works for you and your budget.

Regardless of the cover options you choose, you'll get access to the following included as standard (subject to change):

• Access to our 24/7 online GP service, AXA Doctor at Hand (provided by Doctor Care Anywhere, appointments subject to availability)
• Health information and support via our 24/7 health support line
• Speak to a physiotherapist online or over the phone without the need for a GP referral via our muscles, bones and joints service (for members age 18 and over)
• Support for cancer and heart conditions via our experienced healthcare practitioners who are available by phone
• Access to up to 40% off monthly gym membership offer. Member offers are subject to change and are not part of your insured plan. Terms apply. 

The cost of business health insurance for contractors will depend on a number of different factors, including the cover options you choose, your age and the underwriting option you choose.

As with most private healthcare plans, there are some general exclusions and limitations. These include:

• Routine pregnancy and childbirth
• Out-patient drugs and dressings
• Threatment 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, receiving a grant or sponsorship (not counting travel costs) or are competing for prize money
• Treatment for 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

You can choose from the following options (If you are buying cover for 1-2 people only, you will need to include either a Treatment option or the Diagnostics Only option in your plan):

• Treatment: Cover for hospital procedures and operations, including surgery. Plus radiotherapy and chemotherapy for cancer when you include Comprehensive Cancer Cover (unless you choose to opt out from the full cancer cover)
• Diagnostics Only: Waiting for a diagnosis can be a worrying time. This option means you can see a specialist quickly if you become unwell
• Dentist and Optician Cashback: Helps you look after your teeth and eyesight with cashback towards dentists' fees, glasses, contact lenses and eye tests
• Therapies: Cover for referred treatments by an osteopath, physiotherapist, acupuncturist or chiropractor
• Outpatient: Ensures you are seen quickly by a specialist at a time and place that suits you when you have a GP referral
• Mental Health: Look after more than just your physical health with cover for mental health treatment
• Private GP: Makes it easy for you to see a private GP in person, promptly, at a time that's convenient
• Extended Cover: Provides even greater flexibility and choice over where you're treated. Plus, extra cover for planned, pre-approved treatment abroad and cover for the routine management of some specified chronic conditions like asthma
• Employee Assistance Programme: If you're going through difficult times, such as divorce or money problems, this option gives you a professionally trained expert to talk to; on the phone, or in person, depending on the chosen programme
• Travel: Whether travelling for business or pleasure, this provides cover for emergency medical treatment. You will also have access to other travel-related benefits