Protect yourself and your employees with private healthcare cover. It may be more affordable than you might think.
Show your employees you care about their health and wellbeing by protecting them with private health insurance. Your business will be healthier too – a faster diagnosis means faster treatment, better recovery and the potential to get back to work sooner.
There are 3 cover levels to suit all budgets:
Choose a level of cover that suits your needs and get in touch for a quote today.
If you want cover tailored to meet your specific needs, get in touch for a bespoke quote.
We've teamed up with AXA PPP healthcare to bring you a Business Health product with 3 levels of cover. Whatever options you have chosen, you can be reassured that everyone covered will have:
As a guide, we've put together some suggested options, as a starting point to inspire you. They'll give you a feel for a solution that might suit your business – just pick and choose the options that are right for you.
Any treatment needed would be through the NHS or paid for by the individual.
If you want an increased level of cover that incorporates all of the above options, with the additional benefits of:
If you want a more comprehensive level of cover that incorporates all the benefits of the other suggested options with the additional benefits of:
Plan costs are representative as of August 2020, and prices will vary depending on location, cover options and ages. Pricing is based on a group of 6, aged 25, 30, 35, 40, 45 and 50, living in Guildford, paying yearly to receive a 5% discount and a two year moratorium.
|Fast track appointments - we can get you to the right person quickly||✔||✔||✔|
|Unlimited access to Doctor@Hand, our online GP service, 24/7 doctors via video or phone||✔||✔||✔|
|Working Body physiotherapists offering help with issues such as back pain||✔||✔||✔|
|Heart and cancer nurses available on the phone to support you and your family||✔||✔||✔|
|24/7 helpline for health information and support from nurses and counsellors||✔||✔||✔|
|Out-patient treatment - covers diagnostic tests performed by your specialist & treatment by a practitioner||✔||✔||✔|
|Therapies Cover - cover for out-patient treatment by physiotherapists, acupuncturists, homeopaths, osteopaths or chiropractors||✔||✔||✔|
|Mental Health Cover – this extends your cover to include mental health treatment||✔||✔||✔|
|In-Patient and Day-Patient Treatment||-||✔||✔|
|NHS Cancer Support - support through NHS treatment||-||✔||✔|
|Comprehensive Cancer Cover - treatment for newly diagnosed cancer or extra support to you & your family if you use the NHS||-||-||✔|
|Employee Assistance Programme - 24/7 phone support||-||✔||✔|
|Dentist and Optician Cashback - we will pay towards your dentist's fees when referred for treatment for certain oral surgeries||Optional||Optional||Optional|
As with most healthcare cover, there are some elements your plan won't cover. The exclusions will depend on the options you choose but here are some of the most significant exclusions:
No, private healthcare is designed to complement not replace the NHS. There are some conditions and situations which the NHS is best placed to deal with, emergencies being one example.
If your GP says you need to see a specialist, tell them that you want to go private and ask them for an "open referral". With an open referral your GP won't give you the name of a specialist, just the type of specialist you need to see, such as a cardiologist. You can then use our Fast Track Appointment Service to find a specialist and book an appointment at the earliest convenience to suit you.
It's important that you call us on 0800 317 810 before you see a specialist or have treatment so that we can tell you what's covered and make sure you don't have any unexpected bills to pay.
Bills are usually settled directly with the specialists. We will let you know if any aspect of your treatment isn't covered for any reason. We'll also let you know what excess you need to pay and how to pay it.
If you have paid for treatment, provided it's covered by your private healthcare, we'll refund the cost, minus any excess. Just give us a call and send us the original receipts.
If you need further treatment give us a call first to make sure it's covered.
If the treatment you need isn't covered by your private healthcare, we'll explain this to you. We'll talk you through what options are open to you and how we can support you through your NHS treatment.
If you have our Basic or Enhanced product your diagnostics or treatment will be undertaken at one of the hospitals or centres listed in AXA PPP Healthcare's Directory of Hospitals.
If you select the diagnostics only option it will only cover you for diagnostics to establish diagnosis.
If you choose an out-patient option it will include:
Refer to the Business Health Handbook for full details of cover.
If you opt to be treated for free by the NHS for treatment that would have been covered by your private healthcare, you can claim for a cash payment.
If you opt for Dentist and Optician cover, it includes:
Refer to the Dentist and Optician Handbook for full details of cover.
We will cover the cost of consultations with private GPs up to £500 per year.
Refer to the Private GP Handbook for full details of cover.
If you take out the therapies option the Business Health plan covers 10 sessions per year of physiotherapy, acupuncture, homeopathy, osteopathy or chiropractic treatment. If you are referred for therapy by your specialist we will cover further sessions.
If you take out the Mental Health option you are covered for face to face, email or phone counselling sessions through the Stronger Minds service.
As an in-patient or day patient you are also covered for psychiatric treatment, including specialist fees. As an out-patient, fees for psychologists and cognitive behavioural therapists are covered.
Our Basic product doesn't include the Employee Assistance Programme benefits.
With Enhanced Cover you receive round the clock 24/7 phone support for psychological issues, together with help for legal, debt, family, consumer and housing concerns.
Refer to the Employee Assistance Programme Essential Handbook for full details of cover and how to get in touch.
Our Full product provides the same cover as Enhanced, but with some additional support too. You can access up to eight sessions of face to face counselling, plus an online live counselling service. There is also support for managers to help meet day-to-day team responsibilities.
Refer to the Employee Assistance Programme Premier Handbook for full details of cover and how to get in touch.
No. Products are offered on a moratorium underwriting basis, which means that you do not need to complete a medical declaration. However, cover is not provided for treatment of medical conditions you've had in the five years prior to taking out cover until: