Private medical insurance package for small businesses
Designed to help reduce the impact of ill health in the workplace
Why offer employees group private medical insurance
As a small business owner, have you thought about how the health of your employees directly impacts your bottom line? While it's natural to focus on innovative products and services, overlooking employee health could lead to some serious consequences. In today’s competitive market, where attracting and keeping top talent is more important than ever, offering health benefits has become important for small businesses.
Offering group private medical insurance as an employee benefit is a key move that can set your business apart. It not only boosts employee satisfaction and productivity but also helps retain valuable employees.
According to research from the Independent Healthcare Providers Network, more businesses are exploring private medical insurance (PMI) for their employees this year. With NHS waiting lists at record highs, many employers are worried that treatment delays could mean longer staff absences or even losing key team members altogether. PMI isn’t about replacing the NHS, it’s about working alongside it, giving quicker access to care when it's needed most.
Download your essential guide to group private medical insurance
Take the guesswork out of group private medical insurance with our free, straightforward guide! Packed with practical tips and expert insights, this resource will support you to make the best decision for your business and employee needs.
Exclusive offer for small businesses
We've negotiated an exclusive offer with leading insurance provider, AXA, designed specifically for small businesses. This group private medical insurance package offers a range of additional complimentary benefits that can be extend to support to all employees, not just those included in the plan.
Giving you choice and flexibility
The group private medical insurance (PMI) plan* offers a wide range of benefits and special offers at a competitive premium.
These include:
- Guaranteed to save a minimum of 10% against your current insurers renewal terms (subject to Terms & Conditions, please contact us for full details).
- Renewal Price Guarantee. First year renewal increase will be capped, regardless of claims.
- Claims Promise. AXA Health will honour any claims authorised by your current provider in the three months before you transfer. Valid for the first 12 months you’re with AXA Health
- Choice to add a complimentary module at no extra cost**, either:
- Dental and Optical cash back, or
- Health Assessments
- Option to choose Medical History Disregarded joining terms (priced accordingly).
‘Optimise’ – Four complimentary benefits
For every insured employee three employees, not included in the group private medical insurance plan, can have access to AXA Health’s Optimise module+ at no additional cost to your business.**
1. A Comprehensive Employee Assistance Programme
• 24/7 telephone counsellor answered support helpline
• Online counselling support
• Up to 8 face-to-face counselling sessions
• Telephone access to health information and support from nurses, midwives & pharmacists
• Line manager support for those with an impacted team member
• Access to AXA Health’s Life Management ™ team for guidance and advice
2. Access to AXA Health’s remote GP service AXA Doctor at Hand
This service is delivered by Doctor Care Anywhere, and their fair-usage policy applies:
• 20 minute GP consultations available 24/7/365
• Register and book appointments 24/7/365
• Appointments typically available within a few hours
• All appointments with a General Medical Council registered GP – confidentiality assured
• Private prescriptions delivered to your door (prescription charges may apply, even for those with an NHS exemption)
• Member selects convenient time and method (phone or video)
• Select doctor by name or gender preference
3. Access to Muscles, bones and joints service
Talk to a physiotherapist over the phone without a GP referral. Available to members aged 18 and over. The physio will discuss your symptoms, talk to you about what they could mean and what you need to do next.
4. Discounts Available on Gym Memberships
Save up to 40% off monthly individual membership fees for you and your employees at Nuffield Health Fitness and HUSSLE.
*For groups of up to 10 employees at inception
** Included for the lifetime of the policy at no additional cost whilst your Group PMI policy remains insured with AXA Health through Howden under this arrangement. If you move to a different adviser, at subsequent renewals this option will be subject to additional cost.
+To qualify for Optimise you must have a minimum of three members on your Group PMI policy.