Small business

With self employed health insurance, we’ve got your back

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Self employed health insurance

When things are going well, being your own boss is great. But when sickness strikes it can feel as though no one’s got your back. There’s probably no one who can do your job for you, so not only are you suffering, you also face a potential loss in earnings.

With our sickness insurance cover for the self employed, you’ll have someone on your side helping you get diagnosed and treated quickly, so you can get back to running your business.

Back to health and back to work with self employed sickness insurance

Our self employed health insurance means you won’t have to worry about delays and waiting lists. We’ve got a Fast Track Appointments service so you’ll see a specialist quickly. And if you need treatment we can book you in at a time that suits you. We’ll then make sure you’re as comfortable as possible in a private hospital or the private wing of an NHS hospital.

Self employed sickness insurance to suit you

Because everyone is different, our self employed sickness insurance is really flexible. You can build cover that’s right for you and your business, and there are also lots of ways you can manage your costs – so it might be cheaper than you think.

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 must be the lead 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 or partner 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.