Health insurance for small businesses

Business Health and Travel Insurance for Your Employees

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:

• Basic Cover
• Enhanced Cover
• Full Cover

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.

More about the Business Health product

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:

• Unlimited access to Doctor@Hand - Access to online GPs provided by Doctor Care Anywhere.
• Working Body physiotherapists* - offering help with issues such as back pain. (* service available only to over 18s)
• Heart and cancer nurse service - available on the phone to support you and your family.
• 24/7 helpline - for health information and support from nurses and counsellors.

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.

Basic Cover

• Fast track appointments service - they can help book an appointment to be seen quickly by an appropriate specialist.
• Access to specialists - Up to 2 specialist consultations with unlimited diagnostic tests, including MRI, CT and PET scans.
• Out-patient treatment - by physiotherapists, acupuncturists, homeopaths, osteopaths or chiropractors if referred by a GP.
• Specialist counselling fees - for mental health issues.
• Optional extras - Private GP cover and an option to add dentist's and optician's fees are available if required.

Any treatment needed would be through the NHS or paid for by the individual.

Enhanced Cover

If you want an increased level of cover that incorporates all of the above options, with the additional benefits of:

• Access to specialists - Up to 4 consultations with specialists per year and unlimited diagnostics
• In patient treatment - Any treatment needed, excluding cancer. If cancer is diagnosed, treatment is arranged with the NHS, although the cost of approved cancer drugs used during treatment are covered.
• Employee Assistance Programme - includes 24/7 phone support for psychological issues and help with legal, debt, family, consumer and housing concerns.
• Optional Extras - Private GP cover, plus dentist's and optician's fees can be added as options if required.

Full Cover

If you want a more comprehensive level of cover that incorporates all the benefits of the other suggested options with the additional benefits of:

• Unlimited access to specialists - No limits on specialist consultations, diagnostics or treatment.
• Comprehensive cancer treatment - We will cover treatment for any new cancer that starts after you join. If that cancer comes back and you are still a member, we will continue to cover your treatment.
• Full treatment cover - Treatment both inside and outside the UK is covered and can be received at any hospital you choose.
• Employee Assistance Programme - extended to include up to eight sessions of face to face counselling, plus online live-chat counselling. Managers are supported with issues around meeting day-to-day team responsibilities too.
• Optional extras - Private GP cover, plus dentist's and optician's fees can be added as options if required.

Product Details

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.

Frequently Asked Questions

What isn't covered by my private healthcare plan?

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:

• Treatment of medical conditions your employees had, or had symptoms of, before they joined, unless you've chosen a "continued medical exclusions" or "medical history disregarded" policy.
• Routine pregnancy and childbirth.
• Treatment of long-term, on-going or recurrent conditions (chronic) like diabetes or asthma.
• Cosmetic treatment.

Does having private healthcare mean I won't need to use the NHS?

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.

How do I make a claim?

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.

How are my medical bills paid?

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.

What should I do if I have already paid for my treatment?

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.

What should I do if I need further treatment?

If you need further treatment give us a call first to make sure it's covered.

What if my treatment isn't 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.

Where can I have my 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.

What in-patient treatment costs are covered by my private healthcare?

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:

• Accommodation
• Diagnostic tests
• Using the operating theatre
• Nursing care
• Drugs
• Dressings
• Radiotherapy and chemotherapy
• Physiotherapy
• Surgical appliances that the specialist uses during surgery.

Refer to the Business Health Handbook for full details of cover.

What if I choose to have treatment on the NHS?

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.

What does the Dentist and Optician's option cover?

If you opt for Dentist and Optician cover, it includes:

• Up to 80% of your dentist fees up to £400 per year
• Up to 80% of the cost of prescribed glasses and contact lenses up to £200 per year
• Up to £25 per year for an eye test.

Refer to the Dentist and Optician Handbook for full details of cover.

What does the Private GP option 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.

What therapies are covered?

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.

What mental health cover is provided?

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.

What does the Employee Assistance Programme cover?

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.

Do I have to have a medical before my private healthcare cover starts?

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:

• You've been covered for two years in a row; and
• You've been trouble-free from that condition for twelve consecutive months since your cover started.