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Trustpilot

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[H1] Health Insurance
[H2] Cover that Cares
From steady acts of support to that feeling of being truly listened to.
Start a quote

Call 0800 169 7593*

Fast access to private healthcare
24/7 phone and online GP appointments***
Specialist cancer treatment and access to the latest approved cancer drugs on specialist referral**

Start a quote

Call 0800 169 7593*

**Used within the terms of the licence, subject to medical history and cover options chosen. ***Subject to appointment availability.

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Log in/Register

[H2]
Get in touch

[H2]
Make a claim

[H3] What is health insurance?
Private health insurance, often referred to as private medical insurance, is an insurance policy that safeguards your health. You pay a monthly, or yearly, subscription and this covers the cost of treatment that you need, as long as it is covered by your policy.
At the heart of private health insurance is a commitment to your wellbeing, and the wellbeing of your loved ones. With AXA Health, your health comes first. We’ll support you with fast access to diagnosis and treatment, as well as guidance and tools that can help you manage your health every day, not just when there’s a problem. Our AXA Health Plan, like most health insurance, is designed to cover new conditions that develop after you join and not pre-existing conditions.
As well as private health insurance, we also offer health insurance for small businesses and corporations - see below.

Who would you like health insurance for?

[H2] Individual and families

When you have a health concern, you want to find out what’s wrong as quickly as possible.
Our health insurance insurance is designed to cover new conditions that begin after you join. It gives you fast access to private healthcare, so you’ll have the support you need, when you need it.

Get a quote

Personal health insurance

[H2] Small business

Help your team get back on their feet quickly with speedy access to diagnosis and treatment.
Our small business health insurance can be tailored to suit your business, so you can choose the cover that’s right for your team, while managing your costs.

Get a quote

Small business health insurance

[H2] Corporate

The landscape of work and health is changing. From corporate private healthcare cover to workplace health and wellbeing services, we’ll work with you to embrace the future so your people and business can prosper. Together let’s build health and wellbeing solutions that act early, offer fast access to the right support, and are there for both mind and body.

Request a callback

Corporate health insurance

[H4] Build your own plan - choose from four options to create the plan that’s right for you.
Our AXA Health Plan gives you the flexibility to combine care options to best suit your needs. You can even choose to have different care options for different people on your plan, giving you more control over your cover levels and the cost of your plan.
Stand-alone options include Outpatient diagnosis and care, Inpatient and day patient care and Cancer care.
Mental health care must be selected with one of the other care options. Inpatient and day patient care must be included when buying Cancer care and Outpatient diagnosis and care together.
As with most insurance, there are some things we don’t cover under any care option (you can find more information on exclusions below).

Cancer care
Our Cancer care option gives you wide-ranging treatment and support for a new cancer diagnosis that you receive after you join.
Get private surgery and drug treatment for cancer.
Access the latest licensed and approved cancer drugs and treatments including some that aren’t routinely available on the NHS - when your specialist refers you and the drug is being prescribed within the terms of its licence. Outpatient drugs are not covered by this plan.
Get phone support from our experienced cancer nurses and a dedicated case manager who’ll be a consistent point of contact to support you (and your family) throughout your treatment.
Receive chemotherapy at home if you wish, if your doctor thinks it’s appropriate.

Inpatient and day patient care
If you need to stay in hospital, even if it’s just for the day, this care option gives you access to our approved hospitals.
Have surgery or other inpatient care fast, in the comfort of a private hospital.
Have day patient tests or treatment.
Get the follow-up outpatient tests and treatment that your specialist says you need after hospital, including physiotherapy, even if you don’t have the Outpatient diagnosis and care.
Get a cash payment if you decide to use the NHS for treatment that your plan would have covered.

Outpatient diagnosis and care
Designed to get you in front of a specialist fast, so you can start your healthcare journey quickly.
See a specialist fast – we can even book the appointment for you.
Get as many tests, scans and x-rays as you need.
Get reassurance with our second opinion service.
Get online support for muscles, bones and joints, without a GP referral if you’re over 18.

Mental health care
Our Mental health care option gives you access to private healthcare for mental illness that begins after you join.
Access to talking therapies with a GP referral.
See a specialist at hospital, or get inpatient care if you need psychiatric treatment.

Dental and optical cashback
Get money back towards your dentist and optician bills.
Cashback for 80% of your dentist's fees, up to £400 per membership year.
80% of the cost of prescribed glasses and contact lenses needed to correct your vision, up to £200 per year.
Up to £25 per year for an eye test.

[H2] Get more from your AXA Health Plan with Everyday healthcare
With an AXA Health Plan, if you are aged 18 or over, you get access to Everyday healthcare. Everyday healthcare provides a range of services and tools, as well as access to offers, to help you stay happy and healthy.
Everyday healthcare includes...

Online and phone GP service

With our 24/7 online GP service, you can select from a choice of appointments by video or phone with a GP or with an Advanced Clinical Practitioner. GPs are available 24 hours a day and Advanced Clinical Practitioners are available from 8am-10pm (subject to appointment availability).

24/7 health support line

Get clear, up-to-date information and support, day and night. Speak to one of our team of experienced health professionals. Our team will support you and your family members. No worry is too small – if it matters to you, it matters to us.

Mental health support line

Chat a worry through with a mental health professional, 24/7 anytime.

Diabetes and cholesterol blood assessment

Take this assessment at home for important information on your cholesterol and blood sugar levels.

Access to member offers such as gym discounts

Help keep yourself healthy with access to discounted gym memberships and wellbeing services. Offers are not part of your insured plan and are subject to change.

Start a quote

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[H2] Cover that Cares

You might have heard our #CoverthatCares advert on the radio. Care goes beyond fast access to appointments and treatment. It's about being heard, understood and supported.

Learn more

[H3] What do I need to get a health insurance quote?

[H3] Ready to get your health insurance quote?

Here's some information you'll need:
Personal details such as your name, address and date of birth.
Details of any family members you'd like to include on your policy.
The date you'd like your policy to begin.
Our health insurance quote process usually takes just a few minutes, so why not get an online quote now?

Start a quote now

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[H3] Supporting your health and wellbeing

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[H4] Bothersome back or
troublesome twinges?

Get fast access to online physio support for muscle and bone problems when you’re over 18.

Find out more about this

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[H4] Need to speak to a nurse,
midwife or pharmacist?

Find out about our phone health support line.

Find out more about this

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[H4] Need access to a GP service?

Find out about our 24/7 phone and online GP service*.

Find out more about this

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[H4] Looking for more information
on cancer cover?

Find out more about our individual health insurance cancer care option.

Find out more about this

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[H4] Looking for information about
the cost of health insurance?

Find out more about the cost of individual health insurance.

Find out more about this

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[H4] Want to find out more about a health topic?

Find up-to-date health information.

Find out more about this

[H5] Frequently asked questions

What is health insurance and how does it work?

Private health insurance, also referred to as private medical insurance, is an insurance policy which complements the NHS.
Anyone with health insurance can still use all the services offered by the NHS but you will also have access to private healthcare, which can often provide you with quick diagnosis and treatment (depending on your cover).
Private medical insurance may also provide access to specialist treatments, or cancer drugs that may not be available on the NHS (depending on the cover you choose).
You will usually pay a monthly subscription and you can claim for the costs of private healthcare you receive which is covered by your policy.

What are pre-existing conditions?

Most health insurance plans are designed to cover you for new and unforeseen medical issues and don’t cover treatment for conditions and symptoms you’re already suffering from when you join. These medical conditions are known as pre-existing conditions.

What are chronic conditions?

A health insurance policy may not cover incurable or long-term conditions, such as arthritis or diabetes. These conditions are called chronic conditions.
A chronic condition is a disease, illness or injury that has one or more of the following characteristics:
It needs ongoing or long-term monitoring through consultations, examinations, check-ups and/or tests.
It needs ongoing or long-term control or relief of symptoms.
It requires rehabilitation, or for you to be specially trained to cope with it.
It continues indefinitely.
It has no known cure.
It comes back or is likely to come back.

What does private health insurance cost in the UK?

The cost of health insurance can vary depending on factors such as your age, your location, your excess and the level of cover you choose. You can find out more on our cost of private health insurance page.

What is an excess?

Your excess is the amount you pay towards treatment if you make a claim. You can choose which level of excess you prefer, and it impacts the overall cost of your cover. If you choose a higher excess, your premiums would be less, but you’d have to pay more if you made a claim. If you have a lower excess, your monthly premiums would be higher, but you would pay less if you made a claim.

What is a premium?

Your premium, sometimes called a subscription, is what you pay for your health insurance cover. This is usually paid monthly or annually.

Do I need to have a medical before I take out health insurance?

No, a medical is not usually required to purchase health insurance. You simply provide your personal details and typically answer some health questions. If you have any pre-existing or chronic conditions, you should talk to your insurer before purchasing to be clear on what is and isn’t covered. You can find an explanation of pre-existing and chronic conditions within this FAQ.

How does our AXA Health Plan work?

The AXA Health Plan takes some of the worry out of accessing healthcare. It covers private treatment for new conditions, and includes access to our online private GP service.
You pay a monthly or yearly cost, and then if you become ill or develop a health issue, you can choose to use private healthcare, so long as it’s covered by your membership. You usually start off by seeing a GP – that can be an NHS GP or a private one. Then if you need to see a specialist, you can get in touch with us and we’ll walk you through what you’re covered for.
If you choose our Outpatient diagnosis and care option we can source or even book the appointment for you. If you choose an option that covers you for hospital treatment, this will usually be in a private hospital.

What does an AXA Health Plan cover?

Our AXA Health Plan covers private treatment for new medical conditions – it’s not designed to cover conditions you already have symptoms of when you join. The treatment that’s covered will depend on the cover you choose – we offer a range of options so you can select what matters to you. For example, you could choose to have cover for:
seeing a specialist for a diagnosis
inpatient or day patient treatment, including operations, in a private hospital
cancer treatment if you ever get a cancer diagnosis
help with mental health conditions

What does AXA health insurance not cover

As with most insurance, there are some things we don’t cover under any of the care options with our AXA Health Plan:
Chronic conditions
We don't cover treatment or monitoring of ongoing, recurring and long-term conditions (chronic conditions).
Pregnancy and childbirth
We don't cover pregnancy or childbirth.
Dental or optical treatment
We don't cover services that a dentist or optician would usually

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[IMG: hand holding heart icon]

[H1] Health insurance
...because your health, and your family, are precious

Get a quote

Call 0800 169 7593*

Fast access to private healthcare
24/7 phone and online GP appointments***
Specialist cancer treatment and access to the latest approved cancer drugs on specialist referral**

Get a quote

Call 0800 169 7593*

**Used within the terms of the licence, subject to medical history and cover options chosen.***Subject to appointment availability.

Trustpilot

[H4] What is health insurance?
Private health insurance, often referred to as private medical insurance, is an insurance policy that safeguards your health. You pay a monthly or yearly subscription and this covers the cost of treatment that you need, as long as it's covered by your policy.
At the heart of private health insurance is a commitment to your wellbeing and the wellbeing of your loved ones. Simply put, it provides fast access to private healthcare when you need it. Our AXA Health Plan, like most health insurance, only covers new conditions that develop after you join and not pre-existing conditions.With our AXA Health Plan, you can include family on your policy, including your partner, children, parents, grandparents and grandchildren, even if they live at different addresses, providing real peace of mind for yourself and your loved ones. Put your health first by choosing AXA Health insurance. Future You will thank you.

[H4] Build your own plan - choose from four options to create the plan that’s right for you.
Our AXA Health Plan gives you the flexibility to combine care options to best suit your needs. You can even choose to have different care options for different people on your plan, giving you more control over your cover levels and the cost of your plan.
Stand-alone options include Outpatient diagnosis and care, Inpatient and day patient care and Cancer care.
Mental health care must be selected with one of the other care options. Inpatient and day patient care must be included when buying Cancer care and Outpatient diagnosis and care together.
As with most insurance, there are some things we don’t cover under any care option (you can find more information on exclusions below).

Cancer care
Our Cancer care option gives you wide-ranging treatment and support for a new cancer diagnosis that you receive after you join.
Get private surgery and drug treatment for cancer.
Access the latest licensed and approved cancer drugs and treatments including some that aren’t routinely available on the NHS - when your specialist refers you and the drug is being prescribed within the terms of its licence. Outpatient drugs are not covered by this plan.
Get phone support from our experienced cancer nurses and a dedicated case manager who’ll be a consistent point of contact to support you (and your family) throughout your treatment.
Receive chemotherapy at home if you wish, if your doctor thinks it’s appropriate.

Inpatient and day patient care
If you need to stay in hospital, even if it’s just for the day, this care option gives you access to our approved hospitals.
Have surgery or other inpatient care fast, in the comfort of a private hospital.
Have day patient tests or treatment.
Get the follow-up outpatient tests and treatment that your specialist says you need after hospital, including physiotherapy, even if you don’t have the Outpatient diagnosis and care.
Get a cash payment if you decide to use the NHS for treatment that your plan would have covered.

Outpatient diagnosis and care
Designed to get you in front of a specialist fast, so you can start your healthcare journey quickly.
See a specialist fast – we can even book the appointment for you.
Get as many tests, scans and x-rays as you need.
Get reassurance with our second opinion service.
Get online support for muscles, bones and joints, without a GP referral if you’re over 18.

Mental health care
Our Mental health care option gives you access to private healthcare for mental illness that begins after you join.
Access to talking therapies with a GP referral.
See a specialist at hospital, or get inpatient care if you need psychiatric treatment.

Dental and optical cashback
Get money back towards your dentist and optician bills.
Cashback for 80% of your dentist's fees, up to £400 per membership year.
80% of the cost of prescribed glasses and contact lenses needed to correct your vision, up to £200 per year.
Up to £25 per year for an eye test.

[H5] Your new building blocks for better health.

Outpatient diagnosis and care

Inpatient and day patient care

Cancer care

Mental health care

[H2] Get more from your AXA Health Plan with Everyday healthcare
With an AXA Health Plan, if you are aged 18 or over, you get access to Everyday healthcare. Everyday healthcare provides a range of services and tools, as well as access to offers, to help you stay happy and healthy.
Everyday healthcare Includes...

Online and phone GP service

With our 24/7 online GP service, you can select from a choice of appointments by video or phone with a GP or with an Advanced Clinical Practitioner. GPs are available 24 hours a day and Advanced Clinical Practitioners are available from 8am-10pm (subject to appointment availability).

24/7 health support line

Get clear, up-to-date information and support, day and night. Speak to one of our team of experienced health professionals. Our team will support you and your family members. No worry is too small – if it matters to you, it matters to us.

Mental health support line

Chat a worry through with a mental health professional, 24/7 anytime.

Diabetes and cholesterol blood assessment

Take this assessment at home for important information on your cholesterol and blood sugar levels.

Access to member offers such as gym discounts

Help keep yourself healthy with access to discounted gym memberships and wellbeing services. Offers are not part of your insured plan and are subject to change.

Start a quote

[H3] What does our AXA Health Plan cover?

The treatment that’s covered will depend on the cover you choose – we offer a range of options so you can select what matters to you:
Video or phone access to our online 24/7 GP service (subject to availability).
24/7 health support line with nurses, and 24/7 mental health support line with counsellors, available to answer your questions.
See the right specialist quickly (when including the Outpatient diagnosis and care option).
Full inpatient and day patient hospital fees cover (when including the Inpatient and day patient care option).
Cancer cover and care (when including the Cancer care option).
To find out about our cover options explore our compare health insurance options page.

Start a quote

[H3] What's not covered by our AXA Health Plan?

Like all insurance plans, there are some things we don't cover. Here are some of our key exclusions:
Treatment or monitoring of ongoing, recurring and long-term conditions (chronic conditions)
Routine pregnancy and childbirth
Dental or optical treatment
Some treatments, outpatient drugs and dressings.
Pre-existing conditions, we only cover new conditions that develop after you join
More information about the exclusions and limitations of cover will be provided when you get a quote.

Unsure? Call us on 0800 169 7593*

[H3] What do I need to get a health insurance quote?

[H3] Ready to get your health insurance quote?

Here's some information you'll need:
Personal details such as your name, address and date of birth.
Details of any family members you'd like to include on your policy.
The date you'd like your policy to begin.
Our health insurance quote process usually takes just a few minutes, so why not get an online quote now?

Start a quote now

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[H5] Frequently asked questions

What is health insurance and how does it work?

Private health insurance, also referred to as private medical insurance, is an insurance policy which complements the NHS.
Anyone with health insurance can still use all the services offered by the NHS but you will also have access to private healthcare, which can often provide you with quick diagnosis and treatment (depending on your cover).
Private medical insurance may also provide access to specialist treatments, or cancer drugs that may not be available on the NHS (depending on the cover you choose).
You will usually pay a monthly subscription and you can claim for the costs of private healthcare you receive which is covered by your policy.

What are pre-existing conditions?

Most health insurance plans are designed to cover you for new and unforeseen medical issues and don’t cover treatment for conditions and symptoms you’re already suffering from when you join. These medical conditions are known as pre-existing conditions.

What are chronic conditions?

A health insurance policy may not cover incurable or long-term conditions, such as arthritis or diabetes. These conditions are called chronic conditions.
A chronic condition is a disease, illness or injury that has one or more of the following characteristics:
It needs ongoing or long-term monitoring through consultations, examinations, check-ups and/or tests.
It needs ongoing or long-term control or relief of symptoms.
It requires rehabilitation, or for you to be specially trained to cope with it.
It continues indefinitely.
It has no known cure.
It comes back or is likely to come back.

What does private health insurance cost in the UK?

The cost of health insurance can vary depending on factors such as your age, your location, your excess and the level of cover you choose. You can find out more on our cost of private health insurance page.

What is an excess?

Your excess is the amount you pay towards treatment if you make a claim. You can choose which level of excess you prefer, and it impacts the overall cost of your cover. If you choose a higher excess, your premiums would be less, but you’d have to pay more if you made a claim. If you have a lower excess, your monthly premiums would be higher, but you would pay less if you made a claim.

What is a premium?

Your premium, sometimes called a subscription, is what you pay for your health insurance cover. This is usually paid monthly or annually.

Do I need to have a medical before I take out health insurance?

No, a medical is not usually required to purchase health insurance. You simply provide your personal details and typically answer some health questions. If you have any pre-existing or chronic conditions, you should talk to your insurer before purchasing to be clear on what is and isn’t covered. You can find an explanation of pre-existing and chronic conditions within this FAQ.

How does our AXA Health Plan work?

The AXA Health Plan takes some of the worry out of accessing healthcare. It covers private treatment for new conditions, and includes access to our online private GP service.
You pay a monthly or yearly cost, and then if you become ill or develop a health issue, you can choose to use private healthcare, so long as it’s covered by your membership. You usually start off by seeing a GP – that can be an NHS GP or a private one. Then if you need to see a specialist, you can get in touch with us and we’ll walk you through what you’re covered for.
If you choose our Outpatient diagnosis and care option we can source or even book the appointment for you. If you choose an option that covers you for hospital treatment, this will usually be in a private hospital.

What does an AXA Health Plan cover?

Our AXA Health Plan covers private treatment for new medical conditions – it’s not designed to cover conditions you already have symptoms of when you join. The treatment that’s covered will depend on the cover you choose – we offer a range of options so you can select what matters to you. For example, you could choose to have cover for:
seeing a specialist for a diagnosis
inpatient or day patient treatment, including operations, in a private hospital
cancer treatment if you ever get a cancer diagnosis
help with mental health conditions

What does AXA health insurance not cover

As with most insurance, there are some things we don’t cover under any of the care options with our AXA Health Plan:
Chronic conditions
We don't cover treatment or monitoring of ongoing, recurring and long-term conditions (chronic conditions).
Pregnancy and childbirth
We don't cover pregnancy or childbirth.
Dental or optical treatment
We don't cover services that a dentist or optician would usually carry out.
We don't cover dental procedures.
Treatments, drugs and dressings
We don't cover fees for outpatient drugs, dressings and private prescriptions.
We don't cover services that a GP practice would usually carry out.
We don't cover preventative treatment or tests when there are no apparent symptoms.
We don’t cover therapeutic vaccines, even if it's recommended as part of your treatment.
We only cover treatment shown to be safe and effective by NICE, or by clinical trials that we recognise.
We only cover the approved Advanced Therapeutic Medicinal Products (medicines based on genes or tissues) listed on our website.

What about conditions I already have when I join AXA Health?

Private health insurance covers private treatment for new medical conditions. It’s not designed to cover conditions you already have when you join. That includes conditions that start before you join, but which haven’t yet been diagnosed.
This means your cover for any conditions you already have when you join is limited, and we may not cover the condition at all. If you have symptoms now that you’re worried about, we probably won’t cover that condition if you join, even if you haven’t seen a doctor about it.
We’ll explain this cover before you buy, and you’ll see it on your membership certificate and handbook if you do buy.

What is a moratorium?

Most health insurance, from any insurer, is designed to

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Corporate
[H1] Your health comes first

[H3]  health cover and wellbeing support for your business

[IMG: illustration of specialists looking at xrays]
[H3] Product and services
Whatever your goals,  we have a range of business products and services that you can put in place to support the delivery of your health and wellbeing strategy.
Corporate products and services

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[H3] Guidance for employers
When designing your wellbeing strategy, find inspiration in our collection of articles, webinars  and reports.
Guidance for employers

[H3] Your health comes first
A thriving business is always in motion and the beating heart of every organisation and the lifeblood of every innovation are the people that make it happen. At AXA Health, we believe that a company's success depends on the health of its workforce, helping you foster a happy, motivated, and engaged team today and tomorrow.
We're pioneers constantly innovating to make healthcare smarter and more human. We prioritise service integrity and excellence to ensure access to the right care at the right time. Offering flexible solutions, we empower employers with new ways to manage benefits and access care. With AXA Health, your people’s health comes first.

[H3] Stay informed

Our Guidance for Employers is your source of inspiration and information from healthcare and employee engagement experts, offering you support and valuable insights to help guide your business strategy.

Visit Guidance for employers

[H3] Stay connected

Sign up to Business Health Insight – our monthly newsletter including tips on how to improve the wellbeing of your employees.

Yes, keep me connected

[H4] Get in touch today

Talk to us about how we can help your business reach their healthcare and wellbeing goals.

Contact us

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[H1] Small business health insurance

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Save 25% on our standard pricing when you join AXA Health
Lowered price offered to new customers buying business health insurance for the first time, covering up to 19 employees. You need to include a Treatment or Diagnostics Only cover option for all and choose either moratorium or full medical underwriting. Please see full T&Cs. Available 18.05.2026 - 30.09.2026.
[H4] Cover that Cares for your people

Get a quote

Call us on 0808 303 1126*

Trustpilot

[H2] Business benefits

[H2] Download brochure

[H2] Included as standard

[H2] Refer a business

[H2] What is small business health insurance?
Small business health insurance is an insurance policy that offers quick access to eligible treatment for you and your employees, helpinglook after their health and wellbeing.
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 company is to let you build your plan yourself, so we offer a range of affordable cover options for you to choose from. Over 85% 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.

Find out more

Call us on 0808 303 1248*

[H2] Why is small business health insurance good for business?
Feeling valued is motivating. With healthcare benefits for employees, you can show your team just how important they are to your company. This helps you do business better in a number of ways:

[H2] Retain employees
In 2026, The Rewards and Employee Benefits Association (REBA) listed private medical insurance as the number one benefit employees request through their workplace.

[H2] Attract top talent
Providing private medical insurance, a top employee benefit (REBA, 2026), can help attract and secure top talent for your business.

[H2] 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.

Get a quote

[H3] Get your Business Health insurance brochure

Our brochure tells you everything you need to know about the benefits of health insurance plans for small businesses.

Download PDF brochure (6.7MB)

[H3] Small business health insurance FAQs

How much does small business health insurance cost?

The cost of small business health insurance for your company will depend on a number of different factors, including the cover options you choose, the number of employees you want to cover on your plan, as well as their ages and your location. To give you an idea of how much small business health insurance could cost, we have put together some example plans here.

What do I need to get a business health insurance quote?

Get an indicative online quote for an SME business health insurance policy in minutes.
Here’s some information you’ll need:
Details such as your name, email address and business postcode
The number of employees you’ll be covering
The age of your employees (a rough estimate is fine for the indicative quote)
An idea of the cover options you would like to include (we will provide descriptions of each)
Once you have your indicative quote, one of our company healthcare plan experts will call you to discuss your cover needs, provide a full quote and explain how we cover existing medical conditions.

How does small business health insurance affect tax?

We've put together a dedicated page to explain how small business health insurance affects tax. You can read it here.

How can I get health insurance for my business?

If you'd like to buy small business health insurance, you can get a quote online or call our small business experts on 0808 303 1123*.

What is not covered under small business health insurance?

As with most healthcare cover, there are some elements your plan won't cover. The exclusions will depend on the options you choose but some of the most significant exclusions include:
Treatment of medical conditions your employees had, or had symptoms of, before they joined, unless you've chosen a 'continuing medical exclusions' or 'medical history disregarded' policy (available to businesses with 15+ employees)
Routine pregnancy and childbirth
Treatment of long-term, on-going or recurrent conditions (chronic) like diabetes or asthma
Cosmetic treatment
We'll run through the key exclusions when you talk to us about the plan you'd like. Full details of our cover and any exclusions or limitations will be provided when you join.

How do I make a claim?

This is how the claims process usually works:
Step 1: If your GP recommends you see a specialist, tell them that you want to go private and ask for an open referral - this is when your GP states that treatment is necessary and which type of specialist you require treatment from, but they do not specify a specialist's name (don't forget, members also have access to our online GP service who can also refer on to specialists).
Step 2: Call us so we can check your cover. You'll need an Outpatient option or our Diagnostics Only option for the consultation to be covered. We may also ask you to provide more information, for example from your GP.
Step 3: Our specialist appointment booking service will give you a choice of up to three specialists to get in touch with when you're ready, or can book an appointment for you. Using this service means that you won't end up paying for treatment that you're not covered for.

Can we extend cover to employees' family members?

It's easy to add employee family members to the plan at any point during your policy. The group administrator can call us on the phone number listed in the handbook (phone lines are open 9am-5pm Monday - Friday). Depending on the underwriting option chosen, the amendment to your policy can often be authorised over the phone. Once the amendment has been actioned, the family member will be added to your plan and can start receiving the benefits of your small business health insurance plan.

[H2] 24/7 online GP service

Access to video or phone appointments with a GP or Advanced Clinical Practitioner where your employees will have plenty of time to talk through their health concerns. AXA Doctor at Hand is powered by Doctor Care Anywhere. Appointments are subject to availability. Advanced Clinical Practitioners are available 8am – 10pm.

[H2] Care for cancer and heart conditions

Our experienced healthcare professionals 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.

[H2] Specialist appointment booking service

We can help your employees find an appropriate specialist. 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.

[H2] Easing the pressure with physio

Access to our online muscles, bone and joint service 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.

[H2] 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.
The 24/7 Health Support line is not a diagnostic or advice service. The 24/7 Health Support line cannot respond to emergencies. If you require an urgent response or have a medical emergency please call 111/999 or attend A&E.

[H3] Small business guide to health insurance

If you've considered adding company healthcare cover to your employee benefits package, it's likely that you have questions around how it works. You'll want to make sure that you're getting the cover that will best suit your team and your budget, so you can be there for your people when they need it most.
That's why we've created our small business guide to health insurance.

Read guide

Download guide

[H3] Fancy earning a £100 gift card?

Both you and your business contact could get a £100 gift card when you refer them to us, after you have taken out a business healthcare plan. Choose between a £100 Amazon gift card, £100 M&S gift card or a £100 John Lewis gift card.
Once they take out a small business healthcare plan too, we'll send the gift cards to both of you.
Terms apply.

Find out more

[H3] How does private healthcare cover affect your tax?

If you take out a business healthcare plan rather than a personal one, you could be eligible for tax relief. But don’t forget, when you offer private healthcare cover for employees as a benefit, it will have certain tax implications for you and your staff.
Find out more about the tax implications of providing health insurance as a benefit for your employees.

Find out more

[H3] Self-employed and looking for healthcare cover?

With our health insurance 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.

Find out more

Small business health insurance can have a number of benefits for you, your team and your business.

Help improve employee retention. Private healthcare cover is often ranked as one of the most valued benefits by employees. In 2026, The Rewards and Employee Benefits Association (REBA) listed private medical insurance as the number one benefit employees request through their workplace. Offering private healthcare cover to your team can help to show that you’re investing in their health and wellbeing and that their dedication to the company is recognised.
Beneficial for recruitment. As well as being beneficial for employee retention, private healthcare cover can also be a great incentive to help attract high quality new recruits to your business.
Greater flexibility with medical appointments. Small business healthcare cover can provide you and your team with access to more flexible medical appointments. This means that you can choose an appointment at a time and location that’s most convenient for you.
[H3] At AXA Health, our small business health insurance also comes with additional benefits, including:
Muscle, bone and joint support. Our small business health insurance comes with our muscle, bone and joint service as standard. You and your team can speak to a physiotherapist over the phone or online, without the need for a GP referral. They’ll assess the symptoms, talk about what they could mean and help to plan next steps. Available to members aged 18 years or over.
Health information phone line. You and your team have access to our 24/7 health support line. Nurses and counsellors are available 24/7. Pharmacists and midwives are available 8am–8pm Monday to Friday, 8am-4pm Saturdays and 8am-12pm Sundays. The 24/7 Health Support line is not a diagnostic or advice service. The 24/7 Health Support line cannot respond to emergencies. If you require an urgent response or have a medical emergency please call 111/999 or attend A&E
Online private GP service. With our online GP service, you and your team can get a video or phone appointment with a GP or Advanced Clinical Practitioner at a time and place that suits you. Whether that’s after work or at the weekend, you'll have plenty of time to talk through your health concerns. Appointments are subject to availability. GPs are available 24/7 and Advanced Clinical Practitioners are available from 8am-10pm.
Access to health and wellbeing offers such as discounted gym memberships. Offers are subject to change and do not form part of insured benefits.

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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.

25% off our standard pricing offer T&Cs

The promoter of the Price Reduction is AXA PPP healthcare Group Limited (registered number 03148346), whose registered office is at 20 Gracechurch Street, London EC3V 0BG, (“we” “us” or the “Promoter”).
Eligibility Requirements1. The Promoter shall lead and administer this Price Reduction via its online and telephone marketing channels.2. To be eligible for the Price Reduction an Eligible Customer must:2.1 purchase