10% discount +
Free Health Assessment cover option included
Free Health Assessment cover option (for year 1) + 10% discount. Available when purchasing health insurance for the first time (covering 1-64 employees). Must include Treatment or Diagnostics Only cover option for all and choose moratorium or full underwriting. Offer valid 01/10/26 - 31/12/26. Further T&Cs apply.
Small business health insurance
10% discount + Free Health Assessment cover option included
Build a plan that's right for your business and your budget. Free Health Assessment cover option (for year 1) + 10% discount. Available when purchasing
health insurance for the first time (covering 1-64 employees). Must include Treatment or Diagnostics Only cover option for all and choose moratorium or full underwriting. Offer valid 01/10/26 - 31/12/26. See full T&Cs
With our healthcare cover, you and your employees will benefit from:
- Speedy access to diagnosis and treatment
- A range of services included as standard, such as our 24/7 online GP service
- Flexibile appointments you can fit around work or home commitments
Cover that Cares for your people
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, helping
look 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 90% of our small business
customers stay with us, so we think they agree too.
We offer two different plans - Business Health and Business Protect. Our Business Protect healthcare plans are great if you're looking to pay less - the main difference being that you and your employees will have access to fewer hospitals and specialists than you would with our Business Health healthcare plans.
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.
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Trusted since 1940
Providing tailored private medical insurance plans for over 85 years
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Top Private Health Insurer
Recognised as a UK top health insurance company by The Telegraph
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1+ million members
Join the 1.4 million members who have already chosen AXA Health
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:
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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.
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Attract top talent
Providing private medical insurance, a top employee benefit (REBA, 2026), can help attract and secure top talent for your business.
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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.
What benefits are included as standard?
24/7 online GP service
Access to video or phone appointments with a GP or another registered 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. GPs are available 24/7 and other registered clinical practitioners are available 8am – 10pm.
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.
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.
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.
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 and it cannot respond to emergencies. If you require an urgent response or have a medical emergency please call 111/999 or attend A&E.
Access to gym discounts
In addition to your healthcare cover, you can get up to 40% off monthly Nuffield Health Fitness and Wellbeing centre memberships and Hussle Monthly+ pass fees for you and your employees.
Your team can find their motivation whether they're training for a marathon or just getting started. Offers are subject to change and do not form part of insured benefits. Get more information and terms and conditions.
Download your Business Health or Business Protect brochure
We offer two different plans - Business Health and Business Protect. Our Business Protect healthcare plans are great if you're looking to pay less - the main difference being that you and your employees will have access to less hospitals and specialists than you would with our Business Health healthcare plans. Our brochure tells you everything you need to know about our small business health insuracne plans, so you can choose the right plan for your business.
What our members say
We'll be here for your employees during some of their toughest times. We're proud of what our members have to say about us
AXA Mind Health Report Key Findings
Our 2026 Mind Health Report highlights the need for employers to prioritise wellbeing in the workplace. Research was conducted between 12 January and 16 February 2026. The UK sample size for 2026 included 605 working people, of whom 341 work for small to medium enterprises (SME) with 1 to 249 employees. Below are some of the key findings:
One in two (50%) people who work in a UK SME are in poor mental health and one in five (21%) have needed sick leave for problems relating to their mental health in the last year. However, many SME employees (53%) wouldn’t be comfortable talking about their mental health with a manager or colleague.
Employees experiencing poor mental health could benefit from talking with an expert, such as those provided by AXA Health. Unfortunately, only two in five (41%) SME employees have access to any mental health and wellbeing support through their workplace.
Three quarters (73%) of SME employees say they would use mental health and wellbeing support provided through their workplace if it were available and they needed it.
Small business health insurance FAQs
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.
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.
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.
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.
We’re proud that our Business Health plan has been rated 5 stars and our Business Protect plan has been rated 4 stars by independent financial information business, Defaqto. The Defaqto ratings are 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.