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Flexible business health insurance

Investing for the future while managing your bottom line. It’s what makes you good at business. That’s why our flexible healthcare cover is designed to make both your heart and your head happy. As well as choosing the options you need, here are some other budget-friendly ways you can manage your plan. 

Ways to lower your costs

Here are some other ways you can look after your employees while still keeping an eye on your bottom line.

  • Pay up-front – save 5% by paying your subscription yearly instead of monthly.
  • Fix your subscription for two years – know exactly how much you’ll be investing in each employee over the next two years (tax changes still apply).
  • Choose an excess – reduce your annual subscription with an excess of for example £100, £250 or £500 per employee.
  • Pay less for using specialists that we’ve sourced – our Fast Track Appointments team will recommend up to three specialists and book an appointment to suit your employee (this ‘guided’ option is not available with Extended Cover).

Choose your underwriting options

You can also decide how you’ll cover your employees for any conditions they might have before they join us.  The underwriting you go for will affect the cost of your plan in different ways, depending on the options you’ve chosen.

  • Fully underwritten
    Your employees get the private healthcare cover that means so much to them, but pre-existing medical conditions aren’t covered.
  • Two-year moratorium
    We’ll cover pre-existing medical conditions your employees have after two years of cover, as long as they have been completely free from advice, treatment or a special diet for twelve consecutive months after joining.  We’ll also take care of new health concerns that begin while they are with us too. The terms and conditions of the cover you choose will apply.
  • Continuing medical exclusions
    If you’re coming from another provider, you can ‘lift and shift’ any underwriting you had with your previous health insurer across to your new plan. The terms and conditions for your new plan will apply.
  • Medical history disregarded
    We cover your hard-working employees for pre-existing medical conditions, subject to your membership terms. Available if you’re looking to cover 15 employees or more.

Call our small business experts

To find out more about how to lower the cost of your health insurance, and for more information about products that aren’t available on our website, call our small business experts on 0800 389 7413*

Call us on 0800 389 7413*

More managing costs information

Healthcare cover and tax relief

What are the tax implications of providing health insurance as a benefit for your employees? 

FAQs: Your business health insurance questions answered

If you've considered offering small business health insurance to your team, it's likely that you have questions around how it works. That's why we've created our small business guide to health insurance.

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Defaqto 5 star rating     feefo_platinum_service_2020_tag_dark.png     YMONEY.2019_DIRECT.HEALTHCARE.axa.jpg

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

* 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.