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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.
If you have employees, your health cover will start 21 days after you take out your policy. This is to give your employees 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 purchase it.
We know it's a challenging time for small businesses, and especially for those with employees, who'll be thinking about their health and wellbeing too.
The NHS is coordinating all Covid-19 (coronavirus) treatment and care, which means treatment for Covid-19 won't be covered under the healthcare plan. If you have Covid-19 symptoms, you may be advised to stay at home for treatment and recovery. If your symptoms are serious, you’ll be advised to call 111, or 999 for urgent treatment.
Private healthcare gives access to treatment for other illnesses and injuries. Business health insurance gives you 24/7 access to remote GP appointments, but there may be some delays to treatment because of Covid-19’s impact on healthcare resources.
Quicker access to health professionals gets you back in business faster
Different levels of healthcare access to suit your needs and budget
Offering health insurance helps you attract and retain good employees
Small business health insurance isn’t compulsory, but here’s why it’s worth considering:
Your small business can’t function without you (and your team, if you have one). If you or an employee gets sick or injured, private healthcare can give you quick access to healthcare professionals, including GPs, specialists and physiotherapists.
If you don’t spend as much time waiting for a diagnosis and treatment, you can get back to running your business and making money quicker. Buying through your business can also give you a more competitive price for your personal health insurance.
Staff like to know their employer is looking out for their wellbeing. If you have employees or are thinking about hiring, health insurance can be a big incentive for them to stay with (or join) your business.
24/7 access to a virtual GP, but depending on your cover level you can also access:
Depending on the plan you choose, you can access treatment through a network of specialists and hospitals, covering:
Physiotherapy help by phone, plus hands-on sessions as standard. The number of sessions you get depends on your plan.
Small business health insurance 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 may not spend as much time waiting for diagnosis and treatment.
Pre-existing conditions from the three years before your policy start date aren’t covered.
The cost of small business health insurance usually depends on the kind of plan you choose. For example, you can choose a plan that gives you access to a GP, physio, health support and a health check. If you'd also like access to diagnosis and treatment, this will be more expensive.
As this is small business health insurance, the Equipsme healthcare plan is available for sole traders and businesses with employees. Equipsme’s plans cover:
If you have employees, your cover will start 21 days after your take out your policy. This is to give employees time to increase cover levels or add family members – get more details here. 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 purchase it.
Our score is based on the reviews we’ve collected on Feefo, the independent customer research specialist.Read our reviews
“It is a very good and easy to use service. I've been a customer for several years and the renewal system is very straight forward. I've always found the quotes competitive too. I'd definitely recommend Simply Business.”
– R Matthews, Handyman
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© Copyright 2021 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.