Defaqto 2024 Five_Star Expert Rated award

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.

What is small business health insurance?

Small business health insurance is an insurance policy that you can buy to help look after the health and wellbeing of your employees with private healthcare.

Our small business health insurance plans provide cover for 1-249 employees. We think that the best way for you to get the cover that's right for you and your business is to let you build your plan yourself, so we offer a range of cover options for you to choose from. 90% of our small business customers stay with us, so we think they agree too. 

Whether your priority is giving your employees quick access to diagnosis and treatment, mental health support for the pressures which come with your area of work, or speedy physiotherapy access for your team, you can choose the best combination of cover for your business and budget. Plus, you and your employees can also add family members to your plan to get healthcare cover at business rates.

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Call us on 0800 389 7413^

Small business health insurance is good for business

Feeling valued is motivating. With healthcare benefits for employees, you can show your team just how important they are to you. This helps you do business better in a number of ways:


Retain employees

The Association of British Insurers commissioned a survey of 2,005 people in 2023 and found 57% saw health insurance as a key part of an employee benefits package.


Attract top talent

Private healthcare cover shows you’re committed to your employees. The Financial Times (2023) argue that it can help you persuade top-level new recruits to commit to your business.


Flexible medical appointments

Allow your team to choose appointments at a time and location that suits them, so they can look after themselves and their work, no problem.

Included as standard with your plan


24/7 online GP service

Access to video or phone appointments with a GP or Advanced Nurse Practitioner, for up to 20 minutes, so your employees have plenty of time to talk about their health concerns. AXA Doctor at Hand is powered by Doctor Care Anywhere. Appointments are subject to availability. Advanced Nurse Practitioners are available 8am-10pm. 

Hospital bed

Care for cancer and heart conditions

Our experienced healthcare practitioners are available at the end of the phone day or night. Speak to our specialist cancer and heart nurses 9am-5pm Monday – Friday. Outside these hours our experienced nurses and counsellors provide round the clock support by phone. 



Specialist appointment booking service

Your employees can see the right person quickly. The sooner they see a consultant, the sooner they can get a diagnosis and treatment, and the sooner they can start getting better. You'll need to include either an Outpatient option or our Diagnostics Only option with your business healthcare plan for the consultation to be covered.

Easing the pressure

Easing the pressure with physio

Our muscles, bone and joint service is here to help your people manage or alleviate joint and muscle pain – whether it’s a bad back or sprained ankle. A physiotherapist will assess their symptoms online or over the phone and talk to them about what they could mean. Available for members aged 18 and over.

Medical records at a touch

Health information and support

We’ll give your employees access to our 24/7 health support line. It comes as standard, no matter what cover options you choose, so your team can get help and support whether it's day or night. 

Terms & Conditions

*Offer open to Daily Maily rewards customers only. You’ll receive a £100 Marks & Spencer voucher when you purchase a Business Health or Business Protect plan direct from AXA Health before midnight on 11 September 2024. A one-time voucher code will be sent to the email address you provide on purchase of your plan, within 28 days of receiving your payment if paying annually or, if paying monthly, within 28 days of receiving your second month’s subscription (as long as you haven't cancelled your plan). This offer may be withdrawn at any time or substituted for an equivalent promotion by AXA Health. Offer is only available to new customers and is non-transferable with no cash alternative.

^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.