Flexible cover options for your SME clients
Building a business takes hard work, dedication and focus. But we know as well as you do that businesses also need healthy and productive teams, because people are the foundation of success. We offer a choice of healthcare cover options and benefits that your clients can select, such as treatment or outpatient, so they only pay for the cover they want.1 Examples of cover options available include Therapies, Mental Health, Employee Assistance Programme and many more.
For your SME customers (businesses with 1 to 249 employees) we offer two health insurance plans for new business. Business Health offers the greatest flexibility in terms of hospital choice and benefits. Business Protect, available to virgin new business only, offers a cost-effective option whilst still maintaining the quality and service you expect from AXA Health.
1 If your clients are buying cover for 1-2 people only, they will need to include either the Treatment option or the Diagnostics Only option in their plan.
Download our SME brochures
Download our brochures for a full list and explanation of what options are available to your clients, as well as what is, and isn’t covered in each plan. The relevant hospital list for each plan is linked below too.
If you are looking for handbooks for legacy products for your clients they can be found on the Literature library
Visit Literature libraryIncluded in our SME plans
The information below is just a summary of some of the cover we offer. For eligibility, key exclusions, plus any cover limitations (which is often dependent on the level of cover taken out) please see our product brochures linked above.
Online GP service
- 24/7 GP appointments by video or phone
- Health advice or reassurance when abroad or on holiday
- Direct referrals to a specialist
- Appointments now available with Advanced Clinical Practitioners too
- Prescriptions sent direct to home, office or local chemist
Important information about our Online GP service is detailed below.
Support for muscles bones and joints
- Support for muscle, bone or joint pain without a GP referral
- Members complete an online form. The team then use the answers to find the right support for the member, or if they call, a telephone assessment can be arranged for them.
- They'll recommend next steps for the member, whether that's home exercises, tests or a referral for face to face treatment.
- An Outpatient or Diagnostics Only option is required for diagnostic tests and specialist consultations to be covered and Therapies cover for hands-on therapy from a physiotherapist or osteopath.
- Available for those aged 18 and over.
Specialist appointment booking service
- Following an open referral, an appointment with an appropriate specialist can be booked upon a member's behalf.
- If this isn't suitable, members can opt to receive a choice of three specialists so they can arrange their own appointment.
Cancer care
- Cover for cancer treatment such as consultations, radiotherapy, chemotherapy and surgery (subject to medical history).
- For suspected skin, breast or prostate cancer you can be seen quickly with no need for a GP referral if you have an Outpatient or Diagnostics only option on your plan (over 18s only. Prostate service is available to members aged 40 or over that have a confirmation of a raised PSA).
- If cancer is diagnosed, as soon as we're told, we'll connect the member to a dedicated cancer care manager for support.
- An Outpatient option and Treatment with Comprehensive Cancer Cover option should be included in the plan to have outpatient cover for the initial diagnosis and treatment of cancer. Availability of the Treatment with Comprehensive Cancer Cover option is subject to medical history.
- Access to Untire - the fatigue management solution for people with cancer
- Six months of supportive health coaching avaliable to those undergoing cancer treatment.
24/7 Health support line
- Ask health-related questions to a nurse or counsellor, either for yourself or a loved one, 24/7.
- Our online health centres bring together information, facts and tips from our own healthcare professionals, leading medical authorities, specialist charities and NHS resources.
Access to gym offers
- 40% off monthly individual memberships for the member and anyone covered on an AXA Health private healthcare scheme/plan at Nuffield Health Fitness and Wellbeing Centres.
- 40% off Hussle’s monthly+ pass for the member and anyone covered by an AXA Health private healthcare scheme/plan.
- A spouse/partner or depended must be a named member on the plan and be aged 16 or over (for Hussle) or 18 or over (for Nuffield Health). Gym offers are not part of AXA Health's health insurance cover and are subject to change.
For full details go here
Online GP service important information
24/7 availability – Subject to appointment availability. GPs avaliable 24/7 and Advanced Clinical Practitioners available 8am – 10pm, 365 days a year.
Prescriptions – Available in most circumstances. Outpatient prescriptions and delivery are not covered by the healthcare plan and may cost more than on the NHS. Prescriptions are only available in the UK.
Referrals to specialists – Any outpatient limits or employee contributions normally made towards treatment will apply. Referrals are subject to eligibility and claims authorisation
All referrals and treatment recommended are on a private basis. The GPs and Advanced Clinical Practitioners are unable to refer to the NHS.
What’s not covered
Here are the main things that aren’t covered as standard in our private health insurance. For full details of eligibility, please see the product brochures.
- Routine pregnancy and childbirth.
- Out-patient drugs and dressings.
- Treatment of ongoing, recurrent and long-term conditions (chronic conditions).
- Treatment needed as a result of training for or taking part in any sport for which the member is paid, receive a grant or sponsorship (not counting travel costs) or are competing for prize money.
- Cosmetic treatment.
- Treatment of medical conditions the member had, or had symptoms of, before they joined, depending on the underwriting option they choose.
- Fees if a hospital that is not in the associated Directory of Hospitals for the plan taken out is chosen.
- There are some specialists whose costs we can’t cover in full, plus some that we don't cover at all, so members are advised to call us if they need to claim.
Defaqto
Our Business Health plan has been rated 5 Star by independent financial information business, Defaqto. The Defaqto 5 Star Rating is based on an assessment of the overall product, including all options. Where not all of the options are taken, this will affect the product's star rating.
For more information on Defaqto visit www.defaqto.com
