Exclusive Private Medical Insurance Package for small businesses

Small businesses are offering private healthcare as an employee benefit

In the wake of Covid-19, NHS waiting times have hit a record high with the latest figures showing that almost 7.21 million people are waiting for treatment, with nearly 3 million patients waiting over 18 weeks. Wait times for cancer and mental health treatments remain high with waiting lists for gynaecology, dermatology and cardiology growing the most over the last year. 

Research from the Independent Healthcare Providers Network highlights that one in five employers are considering offering private medical insurance to their staff in the coming year. Many employers are concerned the current rising NHS waiting times may result in employees taking long absences or permanently leaving work due to sickness.

It’s important to recognise that private medical insurance is not designed to simply replace the NHS, rather to complement it. But at a time when waiting lists show little signs of abating and people face ongoing uncertainty about when their treatment and procedures will take place, offering private healthcare as an employee benefit is a trend we expect to see continue.

Exclusive offer 

We've negotiated an exclusive offer with a leading private medical insurance provider to help SMEs access a private medical insurance package that offers additional benefits to support their employees*, not just those covered by the group PMI 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 the rest of your employees,* not included in the group private medical insurance plan, they will have access to AXA Health’s Optimise module+ at no additional cost to your business for the first 12 months.

^*A maximum of 80 uninsured members can have access to Optimise.

^**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 3 members on your Group PMI policy.