Simply Business homepage
  • Business insurance

    • Business Insurance FAQs

    Business insurance covers

  • Support
  • Claims
  • Sign In
Call Us0333 0146 683
Our opening hours

Business health insurance

For small and large businesses between 1 and 500 employees from £8 per month*

Get tailored quotes in 7 minutes

Start your quote
  • 24/7 access to a virtual GP
  • Physiotherapy sessions on all plan levels
  • Access to private consultations, tests/scans, and hospital treatment
  • Gym discounts and home health check kits
  • All employee ages 16-69 cost the same
  • Equipsme_power_AXA_logo.jpg
health-hero.jpg

What's on this page

  • What does it cover?
  • Why is insurance important?
  • How much does it cost?
  • FAQs
  • Helpful articles

Health insurance benefits for your employees – looking after the health and wellbeing of you and your team

Help keep you and your team fit and well with access to practical health support including 24/7 private GP and nurse lines, physiotherapy, private specialist diagnosis and private hospital treatment. As well as helping to keep employees healthy and at work, private health cover is also a highly desirable employee benefit, helping small businesses to retain and recruit good people.

  • Fast – quick access to a 24/7 GP and to private consultants for diagnosis and treatment
  • Accessible – four plan options that can be tailored to your budget, starting at only £8 per month up to £48 per month
  • Practical – all plans have 24/7 GP access, physio sessions, health checks and gym discount

Start your quote

Business health insurance benefits

24/7 GP service

  • Unlimited GP appointments
  • 24/7, 365 days a year – by phone or online
  • Private prescription delivery service and private fit notes
  • Request appointments quickly and easily on the Equipsme App

Avaliable for the following plans:

  • GP Plus
  • Level 3
  • Level 2
  • Level 1

Speedy diagnosis referrals

  • Get Open Referral letters from the private GP service to help with private specialist consultations and diagnosis claims

Avaliable for the following plans:

  • Level 3
  • Level 2
  • Level 1

Not avaliable for GP Plus plans

Nurse helpline, plus cancer and heart support

  • 24/7 support line
  • Talk to trained nurses, midwives and pharmacists
  • Dedicated cancer and heart specialist nurse can provide guidance about yours or your family member’s condition

Avaliable for the following plans:

  • GP Plus
  • Level 3
  • Level 2
  • Level 1

Personalised health checks from Thriva

  • Track your health online through height, weight, smoking, drinking, exercise and diet and receive healthy living recommendations
  • Benefit from annual home blood test kits for cholesterol, diabetes and Vitamin D with online results (depending on your cover level)

Avaliable for the following plans:

  • GP Plus - Online health profile only
  • Level 3 - Annual home blood test and personal report: Vitamin D
  • Level 2 - Annual home blood test and personal report: Vitamin D & Cholesterol
  • Level 1 - Annual home blood test and personal report: Vitamin D, Cholesterol & Diabetes

AXA Health perks

  • Gym membership discount

Avaliable for the following plans:

  • GP Plus
  • Level 3
  • Level 2
  • Level 1

Physiotherapy

  • Physiotherapy, osteopathy, and chiropractic sessions (phone assessments and in person)
  • Bills settled by AXA Health direct so you’re not out of pocket. As long as medically necessary, not a pre-existing condition and authorised by AXA Health

The number of sessions you get depends on your plan:

  • GP Plus - 5 sessions. No excess.
  • Level 3 - 5 sessions. No excess.
  • Level 2 - 8 sessions. No excess.
  • Level 1 - No yearly limit. No excess.

Second opinion service

  • If you’re not getting the answers you need from your specialist and want to talk to an alternative specialist
  • Bills settled by AXA Health direct so you’re not out of pocket. As long as medically necessary, not a pre-existing condition and authorised by AXA Health

Avaliable for the following plans:

  • Level 3
  • Level 2
  • Level 1

Not avaliable for GP Plus plans

Diagnosis – private specialist consultations

  • No yearly limit on specialist consultations
  • Bills settled by AXA Health. As long as medically necessary, not a pre-existing condition and authorised by AXA Health

Avaliable for the following plans:

  • Level 3 - No excess
  • Level 2 - Combined £150 excess payable once across Consultations, Diagnosis and Hospital Treatment. We only take the £150 excess off once in each plan year
  • Level 1 - No excess

Not avaliable for GP Plus plans

Diagnosis – private specialist diagnostic tests

  • No yearly limit on specialist referred diagnostic tests, MRI scans, X-rays, and CT scans including up to cancer diagnosis
  • Bills settled by AXA Health. As long as medically necessary, not a pre-existing condition and authorised by AXA Health
  • Fast track booking to save time and hassle

Avaliable for the following plans:

  • Level 3 - No excess
  • Level 2 - Combined £150 excess payable once across Consultations, Diagnosis and Hospital Treatment. We only take the £150 excess off once in each plan year. Upgrade to next level to remove excess
  • Level 1 - No excess

Not avaliable for GP Plus plans

Treatment – private patient in hospital

  • No yearly limit on hospital treatment includes specialists, surgeons, room, dressings, and drugs
  • Bills settled by AXA Health. As long as medically necessary, not a pre-existing condition and authorised by AXA Health
  • No cancer treatment but cover up until cancer diagnosed

Avaliable for the following plans:

  • Level 2 - Combined £150 excess payable once across Consultations, Diagnosis and Hospital Treatment. We only take the £150 excess off once in each plan year. Upgrade to next level to remove excess
  • Level 1 - No excess

Not avaliable for GP Plus or Level 3 plans

Employee health insurance – why is it important?

You’ll be eligible for healthcare cover with Equipsme if you (and any employees you’re applying for) are aged between 16 and 69 (59 if you’re a sole trader). You can also add your partner and up to six children (aged 25 or under) to your plan. There are no medical questions, but pre-existing conditions from the three years before your start date won't be covered.

Health cover for your employees will start 21 days after you take out your policy. This is to give them time to add their families and upgrade their cover. If you're the business owner and you're only taking cover out for yourself and your family, your cover will start on the day after you buy it.

GP Plus plans start from £8 per person, per month

With 3 further levels of cover from between £20 pppm and £48 pppm

Please review the main benefits of each plan carefully to ensure your chosen level (ie, GP Plus, Level 3, 2 or 1) meets the needs of your company. Month pricing figures are per person, per month.

Get your tailored quotes in minutes

Start your quote

Business health insurance FAQs

Whether you’re new to buying health insurance or you’ve had it for for a while, here are the answers to some commonly asked questions about health insurance for small and large businesses.

  • Health insurance plan for business is private medical cover for you and your employees. If you or an employee gets ill or injured, it can help you access healthcare professionals and treatment quickly. It can also give added benefits such as access to nurse helplines, stress support, and online health checks.

    Business health insurance isn’t a legal requirement, but it can keep your business running efficiently, as you and your team may not spend as much time waiting for diagnosis and treatment.

  • Health insurance for your business isn’t compulsory, but here’s why it’s worth considering:

    Save time

    Your business can’t function without you (and your team). If you or an employee gets sick or injured, private healthcare benefits can give you quick access to healthcare professionals, including GPs, specialists, and physiotherapists.

    Get back to business

    If you don’t spend as much time waiting for a diagnosis and treatment, you and your employees can get back to running your business and making money quicker. Buying private health cover for your business can also give you a more competitive price when compared to personal health insurance.

    Attract good people

    Staff like to know their employer is looking out for their wellbeing. Health insurance benefits and services for employees can be a big incentive for them to stay with (or join) your business.

  • The cost of business health insurance usually depends on the kind of plan you choose.

    An employee health insurance plan from Equipsme starts from £8 per person, per month. The most popular plan, which includes private specialist diagnosis and private hospital treatment, costs just £33 per employee, per month.

    With Equipsme employee health insurance plans, you have the option to select different levels of cover for different members of your team – helping you get the right cover for the right people, at the right price.

  • The Equipsme healthcare plan is available for businesses of all sizes that have employees. Equipsme’s plans cover:

    • the business owner (including sole traders aged 16-59 at the start of cover)
    • any employees that the owner chooses to cover (as long as they're aged 16-69 at the start of cover)
    • an employee’s partner and children (aged 25 and under)

    Cover for employees will start 21 days after you take out the company plan. This is to give employees time to increase cover levels or add family members. If you're a self-employed business owner and you're only taking cover out for yourself and your family, cover will start on the day after you purchase it.

  • A business insurance plan can protect you and your employees if the unexpected happens. It can also save time so they can focus on running your business, and it can help you to attract and retain employees.

    You can choose a mixture of cover levels to suit your business needs and budget, depending on the number of employees you have. The plan will last for 12 months (unless otherwise agreed) and is subject to an annual renewal.

  • Pre-existing conditions that a person has had symptoms, medication, advice or treatment for in the three years before the plan start date aren’t covered.

    • Treatment of cancer – the plan doesn’t cover the treatment of cancer. However, members on cover Level 1, 2, or 3 have cover up to the point at which cancer has been diagnosed so the plan can help you find out what’s wrong faster
    • Pregnancy and childbirth – but the plan will pay to treat certain medical conditions that arise during pregnancy (depending on cover level including treatment)
    • Ongoing, recurrent, and long-term conditions – we call these “chronic conditions”
    • Treatment received outside the UK
    • Mental health conditions – the plan doesn’t cover the treatment of these conditions but if you have included the Stress Support extra cover, we can help with telephone and face-to-face counselling

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Helpful articles for employee wellbeing

Woman sat at her laptop

27 January 2021 • 3-minute read

Practical steps for the self-employed to help manage stress

Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.

Subscribe to our newsletter
Business health insurance

Insurance

Public liability insuranceBusiness insuranceProfessional indemnity insuranceEmployers’ liability insuranceLandlord insuranceTradesman insuranceSelf-employed insuranceRestaurant insuranceVan insuranceInsurers

About

About usOur teamAwardsPress releasesPartners & affiliatesOur charitable workModern Slavery ActSection 172 statementSocial mediaSite map

Customer support

Contact & supportPolicy renewalMake a claimProof of policyComplaintsAccessibility

Address

6th Floor99 Gresham StreetLondonEC2V 7NG

Northampton 900900 Pavilion DriveNorthamptonNN4 7RG

Careers

Careers at Simply BusinessTech careersCurrent opportunities

Benefits

BenefitsRefer a friendFinance

Legal

Terms & conditionsPrivacy policyCookie policyVuln Disclosure policy

Knowledge

Knowledge centreOpinionsMicrosites

© Copyright 2024 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.