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Physiotherapy and advice for small businesses

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Working Body

Whether you've sprained your ankle on your lunchtime jog, or you've got a backache that's been troubling you for a while, our Working Body team are here to help.

With Working Body, you and your team can talk to a physiotherapist online or over the phone without a GP referral. They’ll assess the symptoms, talk about what they could mean, and help plan what to do next. Working Body is included as standard when you take out business healthcare cover with AXA Health.

Keep your team fit, well and working

In 2020, 8.9 million working days were lost to bone, joint or muscle conditions.¹ Musculoskeletal problems can have an impact on all areas of life. If you or one of your employees wakes up with a bad back for example, trying to get through a day at work can be tough. 

As soon as you or one of your team feels a twinge, call our Working Body team to start receiving support.

1Health and Safety Executive, 2021

How it works

Advice that fits in with busy lives

The earlier you get help, the sooner you can start feeling better. You and your team won’t have to take time out for a GP appointment in order to access support. Whether it’s during a lunch break or after the school run, one call to our Working Body team could help get you moving again.

Work through pain

No need to work through pain

As soon as there is a twinge, you and your employees can call us and speak to our Working Body team. A qualified physiotherapist will call you back at a time that suits you to talk through the symptoms and discuss next steps.


Hassle free access

Hassle-free access to treatment

If the physiotherapist recommends specific exercises, they’ll guide you or your team through them so they can try them at home – or even at work – and explain how to stop the pain from returning. If follow-on treatment is needed, they’ll recommend next steps.

No GP referral

No need for a GP referral first

If you or one of your people needs physiotherapy, another hands-on therapy like osteopathy, diagnostic tests or a specialist consultation, they won’t need a GP referral (subject to appropriate cover). Our in-house team will find them the right expert quickly, and even get them an appointment with a specialist if needed. An Outpatient option is required for diagnostic tests and specialist consultations to be covered under your plan.

Working Body comes as standard

Sports injuries, repetitive strain injuries, twisted ankles – our physiotherapists are experienced in providing advice on all types of conditions online or over the phone. Working Body is included as standard with all of our small business health insurance cover options.

You can also rest assured that your initial consultation won't affect your outpatient limit or the number of physiotherapy sessions you have, and we won't ask you to pay any excess.

If you require any follow-on treatment, we'll be happy to explain how this impacts your plan. You can also check your handbook for more information.


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.

This financial promotion is issued by AXA Health, a trading name of AXA PPP healthcare Limited. Registered office: 20 Gracechurch Street, London EC3V 0BG. Registered in England and Wales No. 3148119. AXA PPP healthcare Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Write to us at: AXA Health, Phillips House, Crescent Road, Tunbridge Wells, Kent TN1 2PL. We may record and/or monitor calls for quality assurance, training and as a record of our conversation. For information about AXA Health, visit