Protecting contractors, freelancers, and the self-employed with private healthcare cover

Important information about the current health situation and the impact on private health insurance

Private medical facilities are now widely available again and ready to see private patients, which means you will be able to use your plan to access eligible treatment. Due to the current Covid-19 pandemic there may be some local disruption in certain areas, but we continue to work closely with private hospitals to understand the impact for our customers.

Get a 15% discount when you purchase business healthcare cover*

Get a quote online or call us on 0800 389 7413 ref: IPSE

We understand working for yourself can be as tough as it is rewarding.

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You often have to take on a lot of responsibility and, with so much on your mind, it can be easy to let your health take a back seat. Let us take care of your healthcare cover so you can concentrate on your business.

At AXA PPP healthcare, we think that the best way for you to get the business healthcare cover that’s right for you and your budget is to let you build your plan yourself. That’s why we offer a range of cover options and benefits that you can select from, so you only pay for the cover you need1. We provide healthcare cover for businesses with just one employee and upwards. 

No matter which options you choose, all of our small business cover options give you access to the following as standard:

  • Unlimited access to our 24/7 online GP service, Doctor@Hand (provided by Doctor Care Anywhere) giving you a 20 minute GP appointment online or over the phone at a time and place that suits you. Appointments subject to availability. Doctor Care Anywhere's fair usage policy applies. Visit for details.
  • Access to physiotherapist consultations over the phone with no need for a GP referral via our Working Body service. Available to members aged 18 and over. Any face to face treatment required must be eligible under the plan.
  • Wellbeing incentives such as discounted gym memberships
  • Access to 24/7 health information and support via our telephone helpline, Health at Hand.
  • Heart and cancer nurses, available by phone, who are dedicated to supporting you and your family

1Businesses covering only 1-2 employees will need to include either the Treatment option or Diagnostics Only option in their plan. Our EAP options are not available on their own, without other cover options in the plan. More information can be found in our small business health insurance brochure.

Included as standard

  • Unlimited access to our 24/7 online GP service, Doctor@Hand (provided by Doctor Care Anywhere). Subject to appointment availability. Doctor Care Anywhere's fair usage policy applies
  • Phone support for bone, muscle and joint problems via our Working Body service. Available to members aged 18 and over
  • Heart and cancer nurses available by phone, who are experienced in supporting you and your family when living with these conditions
  • Access to 24/7 health information and support via our telephone helpline, Health at Hand

Why AXA PPP healthcare:

  • One of the most experienced private healthcare insurance providers in the UK
  • Helping people to access the medical care they need for 80 years
  • 86% of members surveyed who claimed between May 2019 - April 2020 were satisfied with the service provided by AXA PPP healthcare**

Small business healthcare cover

For new members our healthcare plans are designed to provide cover for the eligible treatment of new medical conditions that begin after you take out the plan. If you have cover in place we can talk to you about cover for conditions you already have. Find out more about our small business health insurance, including what is and isn't covered, and get a quote by clicking the button below.

Personal healthcare cover

If you don’t have a business bank account find out how we can help you on a personal basis by calling us on 0800 587 0847 quoting IPSE or get a quote below.

Defaqto 5 star rating     feefo_platinum_service_2020_tag_dark.png

Our Business Health plan has been rated 5 Stars by independent financial information business, Defaqto. The Defaqto 5 Star Rating is 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.

Award-winning provider

  • Defaqto - 5 Star Rating
  • Feefo - Platinum Trusted Service Award
  • Your Money - Best Direct Healthcare Provider Award

Terms and conditions

*The 15% discount offer for IPSE members is for new direct customers and applies to the first year of your plan only. The 15% discount will be applied to each cover option that you purchase as part of your plan, which will equate to an overall 15% discount on your total contract price. This offer cannot be used in conjunction with any other offer, apart from our 5% discount for paying annually. Offer may be withdrawn at any time. At the renewal of your policy onwards, your premium will be calculated in the normal way.

**Survey – 2163 member responses who claimed between May 2019 - April 2020.

Lines are open 8.30am to 5.30pm weekdays. AXA PPP healthcare may record and/or monitor calls for quality assurance, training and as a record of our conversation.

The Association of Independent Professionals and the Self Employed (IPSE) is an introducer appointed representative of AXA PPP healthcare Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The private healthcare insurance plans are underwritten by AXA PPP healthcare Limited. Registered office: AXA PPP healthcare, 5 Old Broad Street, London EC2N 1AD. Registered in England and Wales number 3148119. Write to us at: AXA PPP healthcare, Phillips House, Crescent Road, Tunbridge Wells, Kent TN1 2PL.

Services purchased separately to your insurance cover are not regulated either by the Financial Conduct Authority or the Prudential Regulation Authority.