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 business health insurance is designed to help you do both.
We offer two different 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 and specialists than you would with our Business Health healthcare plans. See example 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.
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.
- 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 – if you choose the Business Health plan and include the Guided option (not available with the Extended Cover option). We'll book an appointment at a time and date that suits you. Any unauthorised treatment will not be covered.
How much does business health insurance cost?
If you’ve considered adding health insurance to your employee benefits package, you probably have a lot of questions around how it works and how much it will cost. The cost of your business health insurance will depend on a number of different factors. These include:
Group size
The number of employees you choose to cover will have an impact on the cost of your business health insurance
Employees ages
The ages of the employees that you are covering will also affect the cost of your business health insurance
Location
Your location can determine which private hospitals are available within your area which can therefore affect the cost of your plan
Cover options
At AXA Health, we let you build your business health insurance plan yourself by giving you a choice of cover options. The particular options you choose, as well as the number of options, will affect the cost of your plan
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
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. - Continuing 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.
Price examples
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 and specialists than you would with our Business Health healthcare plans.
Example criteria:
- Based on six employees (aged 25, 30, 35, 40, 45 & 50)
- Living in Guildford
- £100 excess and a two year moratorium on pre-existing conditions
- Treatment with Comprehensive Cancer Cover, Therapies and Standard Out-patient options included
- Costs are representative as of April 2025, and prices will vary depending on location, cover options and ages.
Business Health: an average of £39.49 per month, per employee (total cost per month is £236.91)
Business Protect: an average of £30.17 per month, per employee (total cost per month is £181.02)
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 and specialists than you would with our Business Health healthcare plans.
Example criteria:
- Based on 20 employees (aged 18, 21, 25, 28, 30, 31, 34, 35, 37, 39, 40, 42, 45, 47, 48, 50, 55, 58, 60, 61)
- Living in Guildford
- £100 excess and a two year moratorium on pre-existing conditions
- Treatment with Comprehensive Cancer Cover, Therapies and Standard Out-patient options included
- Costs are representative as of April 2025, and prices will vary depending on location, cover options and ages.
Business Health: an average of £36.95 per month, per employee (total cost per month is £739.06)
Business Protect: an average of £28.14 per month, per employee (total cost per month is £562.81)
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 and specialists than you would with our Business Health healthcare plans.
Example criteria:
- Based on 64 employees (with 3 employees of each of the following ages: 18, 21, 25, 28, 30, 31, 34, 35, 37, 39, 40, 42, 45, 47, 48, 50, 55, 58, 60 and 61. Plus an addiitonal 4 employees aged 18, 21, 25 and 28)
- Living in Guildford
- £100 excess and a two year moratorium on pre-existing conditions
- Treatment with Comprehensive Cancer Cover, Therapies and Standard Out-patient options included
- Costs are representative as of April 2025, and prices will vary depending on location, cover options and ages
Business Health: an average of £35.00 per month, per employee (total cost per month is £2,240.22)
Business Protect: an average of £26.67 per month, per employee (total cost per month is £1,706.60)
Get covered for an average of £33.50 per employee, per month*
|
Did you know you can combine our 3 most popular cover options including |
 |
*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-existing conditions. The example business have purchased our Business Health plan including Treatment with Cancer Cover, Therapies and Mental Health Cover options (over 50% of our customers chose these options in the last 6 months), plus our Guided option. The total cost for this Business Health plan is £100.50 per month, which is equivalent to £33.50 per employee. Costs are representative as of April 2025, and prices will vary depending on location, cover options and ages.
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 £633.38 per month. Here's the breakdown:
Category 3: 12 junior employees
Rewarded with Mental Health cover and Employee Assistance Programme (Premier).
Average price per month, per employee: £4.21
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: £43.83
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: £121.24
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 moratorium on pre-existing conditions. Costs are representative as of April 2025, 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 (plans for 1 -2 employees will need to include the Treatment or Diagnostics Only option).
- 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 that we’ve sourced: If you choose the Business Health plan and include the Guided option (not available with the Extended Cover option). We'll book an appointment at a time and date that suits you. 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
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.
Straight forward health and wellbeing info, straight to your inbox
Sign up to receive business related health and wellbeing articles.
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.