IR - AXA health - Business Health

AXA health - Business Health

With Business Health, you build your plan around the benefits that are right for your business and your budget. So there’s no paying for cover you don’t want*. Below is a summary of our cover.

Plans covering just 1 or 2 people must include either the Treatment or Diagnostics Only option.

Benefits

Treatment Option	All Yes No
Diagnostics Only	All Yes No
Standard Out-patient	All Yes No
Enhanced Out-patient	All Yes No
Full Out-patient	All Yes No
Therapies	All Yes No
Mental Health	All Yes No
Dentist and Optician Cashback	All Yes No
Cancer Cover	All Comprehensive NHS Cancer Support No Covered
Annual Travel	All WorldWide Europe No
Extended Cover	All Yes No
Private GP	All Yes No
Employee Assistance Program	All Essential Premier No

Treatment Option

All Yes No

Diagnostics Only

All Yes No

Standard Out-patient

All Yes No

Enhanced Out-patient

All Yes No

Full Out-patient

All Yes No

Therapies

All Yes No

Mental Health

All Yes No

Dentist and Optician Cashback

All Yes No

Cancer Cover

All Comprehensive NHS Cancer Support No Covered

Annual Travel

All WorldWide Europe No

Extended Cover

All Yes No

Private GP

All Yes No

Employee Assistance Program

All Essential Premier No

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
Treatment Option - Yes	Paid in full, as long as your employee uses a hospital or day-patient unit in our Directory of Hospitals
Extended Cover - Yes	Extended Cover Extra cover for treatment at any hospital, day-patient unit or scanning centre in the UK that’s not listed in our Directory of Hospitals. Paid in full up to the normal daily rates published and charged by the facility
Diagnostics Only - Yes	Not covered
Surgeon / Consultant / Specialist & Anaesthetists fees
Treatment Option - Yes	No annual maximum
Extended Cover - Yes	Extended Cover Extra cover for a wider choice of fee-limited specialists, paid in full
Diagnostics Only - Yes	Not covered
Physicians fees & diagnostic tests
Treatment Option - Yes	Paid in full, as long as your employee uses a hospital or day-patient unit in our Directory of Hospitals
Extended Cover - Yes	Extended Cover Extra cover for a wider choice of fee-limited specialists, paid in full
Diagnostics Only - Yes	Not covered
Cancer Treatment Costs - Chemotherapy / Radiotherapy
Cancer Cover - Comprehensive	Comprehensive Cancer includes treatment of cancer including surgery, radiotherapy and chemotherapy
Cancer Cover - NHS Cancer Support	NHS Cancer Support Does not cover private cancer treatment so you'll use the NHS instead, or pay for the treatment yourself. During treatment, if your specialist wants to use a licensed cancer drug which is approved for your treatment but the NHS won't pay for, we'll pay for that drug and the cost of giving you the drug. (This doesn't include out-patient drugs as they aren't covered).
Cancer Cover - No Covered	Not available
Psychiatric treatment
Mental Health - No	Not covered
Mental Health - Yes	Private hospital and day-patient unit fees for psychiatric treatment, including accommodation, diagnostic test and drugs, Paid in full at hospital or day-patient unit in our Directory of Hospitals. Specialist fees for psychiatric treatment, no yearly limit
Six week option
	Not covered
Key Facts - Out-patient Charges
Complementary medicine
Therapies - No	Not covered
Therapies - Yes	Therapies Fees for out-patient treatment by a therapist (physiotherapist, osteopath or chiropractor), homeopath or acupuncturist No yearly limit: Up to a maximum of 10 sessions in a year when your GP refers you, or for physiotherapist, osteopath and chiropractor treatment when you have treatment through our Working Body team. Further sessions (as long as we agree them first) when the specialist refers you or your employee
Diagnostic tests (excluding scans)
Diagnostics Only - Yes	Diagnostic tests when your specialist refers you, No yearly limit
Standard Out-patient - Yes Enhanced Out-patient - Yes Full Out-patient - Yes	Diagnostic tests when your specialist refers you, No yearly limit
GP referred consultations
Diagnostics Only - Yes	GP Referred specialist consultations, Up to 2 consultations a year
Standard Out-patient - Yes	GP Referred specialist consultations, Up to 2 consultations a year
Enhanced Out-patient - Yes	GP Referred specialist consultations, Up to 4 consultations a year
Full Out-patient - Yes	GP Referred specialist consultations, No yearly limit
Physiotherapy consultant referred
Therapies - No	Not covered
Therapies - Yes	Therapies Fees for out-patient treatment by a physiotherapist No yearly limit: Up to a maximum of 10 sessions in a year when your GP refers you, or for physiotherapist,treatment when you have treatment through our Working Body team. Further sessions (as long as we agree them first) when the specialist refers you or your employee
Physiotherapy GP referred
Therapies - No	Not covered
Therapies - Yes	Therapies Fees for out-patient treatment by a physiotherapist No yearly limit: Up to a maximum of 10 sessions in a year when your GP refers you, or for physiotherapist,treatment when you have treatment through our Working Body team. Further sessions (as long as we agree them first) when the specialist refers you or your employee
Psychiatric cover
Mental Health - No	Not covered
Mental Health - Yes	Specialist consultations for psychiatric treatment, no yearly limit Psychiatric treatment by psychologists and cognitive behavioral therapists, no yearly limit Counselling sessions through Stronger Minds – full details can be found in the members hand book
Radiotherapy / Chemotherapy
Cancer Cover - No Covered	Not available
Cancer Cover - Comprehensive	Comprehensive Cancer includes treatment of cancer including surgery, radiotherapy and chemotherapy
Cancer Cover - NHS Cancer Support	NHS Cancer Support Does not cover private cancer treatment so you'll use the NHS instead, or pay for the treatment yourself. During treatment, if your specialist wants to use a licensed cancer drug which is approved for your treatment but the NHS won't pay for, we'll pay for that drug and the cost of giving you the drug. (This doesn't include out-patient drugs as they aren't covered).
Scans - MRI / CT / PET
Treatment Option - Yes	Paid in full at a scanning centre, or a hospital listed as a scanning centre, in our Directory of Hospitals
Diagnostics Only - Yes	Paid in full at a scanning centre, or hospital listed as a scanning centre, in our Directory of Hospitals Paid for a scanning centre not in our Directory of Hospitals up to the normal daily rates
Extended Cover - Yes	Extended Cover Extra cover for treatment at any hospital, day-patient unit or scanning centre in the UK that’s not listed in our Directory of Hospitals. Paid in full up to the normal daily rates published and charged by the facility
Surgical Procedures
Diagnostics Only - Yes	Full refund for out-patient surgery
Treatment Option - Yes	Full refund for out-patient surgery, as long as your employee uses a hospital or day-patient unit in our Directory of Hospitals
Key Facts - Additional Benefits
NHS cash benefit
Diagnostics Only - Yes	Not available
Treatment Option - Yes	Cash payment when you have free in-patient treatment under the NHS, £100 a night up to £2,000 a year
Cancer Cover - Comprehensive	Cash payment for out-patient or day-patient radiotherapy or chemotherapy free on the NHS (Comprehensive Cancer Cover only), £50 a day up to £2,000 a year
Nursing at home
Treatment Option - Yes	Paid in full (for the administration of intravenous chemotherapy for the treatment of cancer or intravenous antibiotics which otherwise would require you to be admitted for in-patient treatment or day-patient treatment)
Treatment Option - No	Not covered
Parental accommodation
Diagnostics Only - Yes	Not covered
Treatment Option - Yes	Hospital accommodation for one parent when their child under 16 is covered by the plan and is receiving eligible treatment, Paid in full
Primary care
Private GP - Yes	Private GP Option Fees for visits to a private GP for consultations, up to £500 a year
	Unlimited video or telephone consultations with Doctor@Hand, an online private GP – this service is provided by Doctor Care Anywhere
Private ambulance
Treatment Option - Yes	Ambulance transport to another medical facility if your employee is receiving private treatment, Paid in full
Diagnostics Only - Yes	Not available
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum within your overall policy benefit allowance
Children covered
	Unmarried children can stay on the policy up to the renewal date following their 30th birthday irrespective of full-time education
Chiropractors & Osteopaths
Therapies - No	Not covered
Therapies - Yes	Therapies Fees for out-patient treatment by a therapist (osteopath or chiropractor) No yearly limit: Up to a maximum of 10 sessions in a year when your GP refers you, or for osteopath and chiropractor treatment when you have treatment through our Working Body team. Further sessions (as long as we agree them first) when the specialist refers you or your employee
Dental treatment
	Not covered
Dentist and Optician Cashback - Yes	Dentist and Optician Cashback Benefit Dental: 80% of the costs up to £400 a year
Treatment Option - Yes	Paid in full so long as you use a facility that we have an agreement with covering oral surgery
Extended Cover - Yes	Paid in full at a facility we don’t have an agreement with, up to the normal daily rate.
GP minor surgery
Private GP - No	Not covered
Private GP - Yes	Private GP Option Fees for visits to a private GP for consultations, up to £500 a year
GP Referred Chiropody, Podiatry or Homeopathy
Therapies - No	Not covered
Therapies - Yes	Therapies Fees for out-patient treatment by a therapist (physiotherapist, osteopath or chiropractor), homeopath or acupuncturist No yearly limit: Up to a maximum of 10 sessions in a year when your GP refers you, or for physiotherapist, osteopath and chiropractor treatment when you have treatment through our Working Body team. Further sessions (as long as we agree them first) when the specialist refers you or your employee
Hospice care cash benefit
	Not covered
Extended Cover - Yes	We will make a donation of £100 for every night you spend in a hospice or have hospice at home care.
Infertility investigations
	Not covered
Maternity cash benefit
	Not covered
Optional cash benefit
Dentist and Optician Cashback - No	Not covered
Dentist and Optician Cashback - Yes	Dentist and Optician Cashback Benefit * Dental care: 80% of the costs incurred will be paid, up to £400 each year * Optical cover: 80% of the costs incurred will be paid, up to £200 every years for prescribed spectacles and contact lenses needed to correct vision * Eye test: Up to £25 each year for an eye test
Out of pocket expenses
	Not covered
Overseas cover
Annual Travel - No	Not covered
Annual Travel - Europe	Travel Cover European including cover for private medical and travel insurance for employees who travel abroad for business or leisure. A comprehensive range of medical and travel-related benefits, including cover for on-piste skiing * Any costs incurred when travelling against Foreign and Commonwealth Office advice * The member must be fit to travel. Claims relating to a member’s psychiatric illness or terminal illness are not covered. Most other pre-existing conditions are covered. Please see the membership handbook for full detail
Annual Travel - WorldWide	Travel Cover Worldwide including cover for private medical and travel insurance for employees who travel abroad for business or leisure. A comprehensive range of medical and travel-related benefits, including cover for on-piste skiing * Any costs incurred when travelling against Foreign and Commonwealth Office advice * The member must be fit to travel. Claims relating to a member’s psychiatric illness or terminal illness are not covered. Most other pre-existing conditions are covered. Please see the membership handbook for full detail
Extended Cover - Yes	Extended Cover Extra cover for planned, pre-approved treatment outside of the UK, Up to the cost we would pay for equivalent treatment in the UK
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	Not covered
Pregnancy
	As pregnancy and childbirth are not medical conditions and because the NHS provides for them, our cover is limited. We don’t cover the normal checks or other interventions, such as monitoring and screening, that you will have during pregnancy and birth. However, if you develop a medical condition while pregnant or giving birth, we may cover it. What is covered? We will cover the additional costs for treatment of medical conditions that arise during pregnancy or childbirth. For example: * ectopic pregnancy (pregnancy where the embryo or foetus grows outside the womb) * hydatidiform mole (abnormal cell growth in the womb) * retained placenta (afterbirth retained in the womb) * placenta praevia * diabetes (If you have exclusions because of your past medical history related to diabetes, then you will not be covered for any treatment * post partum haemorrhage (heavy bleeding in the hours and days immediately after * miscarriage requiring immediate surgical treatment)
Stress counselling helpline
Employee Assistance Program - No	Not available
Employee Assistance Program - Essential	EAP Essential Unlimited 24/7 access to phone support for psychological and mental-health conditions, including a fully qualified counsellor just a phone call away or on email Access to our LifeManagementTM services for help with everyday struggles like debt, childcare provision, relationship problems and legal issues, or for support during life-changing events like bereavement Online information and guidance for your team through a dedicated website
Employee Assistance Program - Premier	EAP Premier Unlimited 24/7 access to phone support for psychological and mental-health conditions, including a fully qualified counsellor just a phone call away or on email Access to our LifeManagementTM services for help with everyday struggles like debt, childcare provision, relationship problems and legal issues, or for support during life-changing events like bereavement Online information and guidance for your team through a dedicated website plus: * Up to eight sessions of face-to-face counselling with a clinical specialist per team member * Structured online live-chat counselling * Referral to a psychologist in complex cases * Support for your managers to help them to meet day-to-day team challenges
Transplants
	Not covered
Other benefits
Extended Cover - Yes	Extended Cover Routine management of specified chronic conditions including: asthma, diabetes, epilepsy, high blood pressure, osteoarthritis, rheumatoid arthritis, thyroid problems, angina, ulcerative colitis and heart valve problems

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings

Treatment Option - Yes

Paid in full, as long as your employee uses a hospital or day-patient unit in our Directory of Hospitals

Extended Cover - Yes

Extended Cover
Extra cover for treatment at any hospital, day-patient unit or scanning centre in the UK that’s not listed in our Directory of Hospitals. Paid in full up to the normal daily rates published and charged by the facility

Diagnostics Only - Yes

Not covered

Surgeon / Consultant / Specialist & Anaesthetists fees

Treatment Option - Yes

No annual maximum

Extended Cover - Yes

Extended Cover
Extra cover for a wider choice of fee-limited specialists, paid in full

Diagnostics Only - Yes

Not covered

Physicians fees & diagnostic tests

Treatment Option - Yes

Paid in full, as long as your employee uses a hospital or day-patient unit in our Directory of Hospitals

Extended Cover - Yes

Extended Cover
Extra cover for a wider choice of fee-limited specialists, paid in full

Diagnostics Only - Yes

Not covered

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Cancer Cover - Comprehensive

Comprehensive Cancer
includes treatment of cancer including surgery, radiotherapy and chemotherapy

Cancer Cover - NHS Cancer Support

NHS Cancer Support
Does not cover private cancer treatment so you'll use the NHS instead, or pay for the treatment yourself. During treatment, if your specialist wants to use a licensed cancer drug which is approved for your treatment but the NHS won't pay for, we'll pay for that drug and the cost of giving you the drug. (This doesn't include out-patient drugs as they aren't covered).

Cancer Cover - No Covered

Not available

Psychiatric treatment

Mental Health - No

Not covered

Mental Health - Yes

Private hospital and day-patient unit fees for psychiatric treatment, including accommodation, diagnostic test and drugs, Paid in full at hospital or day-patient unit in our Directory of Hospitals. Specialist fees for psychiatric treatment, no yearly limit

Six week option

Not covered

Key Facts - Out-patient Charges

Complementary medicine

Therapies - No

Not covered

Therapies - Yes

Therapies
Fees for out-patient treatment by a therapist (physiotherapist, osteopath or chiropractor), homeopath or acupuncturist No yearly limit:
Up to a maximum of 10 sessions in a year when your GP refers you, or for physiotherapist, osteopath and chiropractor treatment when you have treatment through our Working Body team. Further sessions (as long as we agree them first) when the specialist refers you or your employee

Diagnostic tests (excluding scans)

Diagnostics Only - Yes

Diagnostic tests when your specialist refers you, No yearly limit

Standard Out-patient - Yes

Enhanced Out-patient - Yes

Full Out-patient - Yes

Diagnostic tests when your specialist refers you, No yearly limit

GP referred consultations

Diagnostics Only - Yes

GP Referred specialist consultations, Up to 2 consultations a year

Standard Out-patient - Yes

GP Referred specialist consultations, Up to 2 consultations a year

Enhanced Out-patient - Yes

GP Referred specialist consultations, Up to 4 consultations a year

Full Out-patient - Yes

GP Referred specialist consultations, No yearly limit

Physiotherapy consultant referred

Therapies - No

Not covered

Therapies - Yes

Therapies
Fees for out-patient treatment by a physiotherapist No yearly limit:
Up to a maximum of 10 sessions in a year when your GP refers you, or for physiotherapist,treatment when you have treatment through our Working Body team. Further sessions (as long as we agree them first) when the specialist refers you or your employee

Physiotherapy GP referred

Therapies - No

Not covered

Therapies - Yes

Psychiatric cover

Mental Health - No

Not covered

Mental Health - Yes

Specialist consultations for psychiatric treatment, no yearly limit
Psychiatric treatment by psychologists and cognitive behavioral therapists, no yearly limit
Counselling sessions through Stronger Minds – full details can be found in the members hand book

Radiotherapy / Chemotherapy

Cancer Cover - No Covered

Not available

Cancer Cover - Comprehensive

Comprehensive Cancer
includes treatment of cancer including surgery, radiotherapy and chemotherapy

Cancer Cover - NHS Cancer Support

Scans - MRI / CT / PET

Treatment Option - Yes

Paid in full at a scanning centre, or a hospital listed as a scanning centre, in our Directory of Hospitals

Diagnostics Only - Yes

Paid in full at a scanning centre, or hospital listed as a scanning centre, in our Directory of Hospitals
Paid for a scanning centre not in our Directory of Hospitals up to the normal daily rates

Extended Cover - Yes

Surgical Procedures

Diagnostics Only - Yes

Full refund for out-patient surgery

Treatment Option - Yes

Full refund for out-patient surgery, as long as your employee uses a hospital or day-patient unit in our Directory of Hospitals

Key Facts - Additional Benefits

NHS cash benefit

Diagnostics Only - Yes

Not available

Treatment Option - Yes

Cash payment when you have free in-patient treatment under the NHS, £100 a night up to £2,000 a year

Cancer Cover - Comprehensive

Cash payment for out-patient or day-patient radiotherapy or chemotherapy free on the NHS (Comprehensive Cancer Cover only), £50 a day up to £2,000 a year

Nursing at home

Treatment Option - Yes

Paid in full (for the administration of intravenous chemotherapy for the treatment of cancer or intravenous antibiotics which otherwise would require you to be admitted for in-patient treatment or day-patient treatment)

Treatment Option - No

Not covered

Parental accommodation

Diagnostics Only - Yes

Not covered

Treatment Option - Yes

Hospital accommodation for one parent when their child under 16 is covered by the plan and is receiving eligible treatment, Paid in full

Primary care

Private GP - Yes

Private GP Option
Fees for visits to a private GP for consultations, up to £500 a year

Unlimited video or telephone consultations with Doctor@Hand, an online private GP – this service is provided by Doctor Care Anywhere

Private ambulance

Treatment Option - Yes

Ambulance transport to another medical facility if your employee is receiving private treatment, Paid in full

Diagnostics Only - Yes

Not available

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum within your overall policy benefit allowance

Children covered

Unmarried children can stay on the policy up to the renewal date following their 30th birthday irrespective of full-time education

Chiropractors & Osteopaths

Therapies - No

Not covered

Therapies - Yes

Therapies
Fees for out-patient treatment by a therapist (osteopath or chiropractor) No yearly limit:
Up to a maximum of 10 sessions in a year when your GP refers you, or for osteopath and chiropractor treatment when you have treatment through our Working Body team. Further sessions (as long as we agree them first) when the specialist refers you or your employee

Dental treatment

Not covered

Dentist and Optician Cashback - Yes

Dentist and Optician Cashback Benefit
Dental: 80% of the costs up to £400 a year

Treatment Option - Yes

Paid in full so long as you use a facility that we have an agreement with covering oral surgery

Extended Cover - Yes

Paid in full at a facility we don’t have an agreement with, up to the normal daily rate.

GP minor surgery

Private GP - No

Not covered

Private GP - Yes

Private GP Option
Fees for visits to a private GP for consultations, up to £500 a year

GP Referred Chiropody, Podiatry or Homeopathy

Therapies - No

Not covered

Therapies - Yes

Hospice care cash benefit

Not covered

Extended Cover - Yes

We will make a donation of £100 for every night you spend in a hospice or have hospice at home care.

Infertility investigations

Not covered

Maternity cash benefit

Not covered

Optional cash benefit

Dentist and Optician Cashback - No

Not covered

Dentist and Optician Cashback - Yes

Dentist and Optician Cashback Benefit
* Dental care: 80% of the costs incurred will be paid, up to £400 each year
* Optical cover: 80% of the costs incurred will be paid, up to £200 every years for prescribed spectacles and contact lenses needed to correct vision
* Eye test: Up to £25 each year for an eye test

Out of pocket expenses

Not covered

Overseas cover

Annual Travel - No

Not covered

Annual Travel - Europe

Travel Cover
European including cover for private medical and travel insurance for employees who travel abroad for business or leisure.
A comprehensive range of medical and travel-related benefits, including cover for on-piste skiing
* Any costs incurred when travelling against Foreign and Commonwealth Office advice
* The member must be fit to travel. Claims relating to a member’s psychiatric illness or terminal illness are not covered. Most other pre-existing conditions are covered. Please see the membership handbook for full detail

Annual Travel - WorldWide

Travel Cover
Worldwide including cover for private medical and travel insurance for employees who travel abroad for business or leisure.
A comprehensive range of medical and travel-related benefits, including cover for on-piste skiing
* Any costs incurred when travelling against Foreign and Commonwealth Office advice
* The member must be fit to travel. Claims relating to a member’s psychiatric illness or terminal illness are not covered. Most other pre-existing conditions are covered. Please see the membership handbook for full detail

Extended Cover - Yes

Extended Cover
Extra cover for planned, pre-approved treatment outside of the UK, Up to the cost we would pay for equivalent treatment in the UK

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Not covered

Pregnancy

As pregnancy and childbirth are not medical conditions and because the NHS provides for them, our cover is limited.
We don’t cover the normal checks or other interventions, such as monitoring and screening, that you will have during pregnancy and birth. However, if you develop a medical condition while pregnant or giving birth, we may cover it.
What is covered?
We will cover the additional costs for treatment of medical conditions that arise during pregnancy or childbirth. For example:
* ectopic pregnancy (pregnancy where the embryo or foetus grows outside the womb)
* hydatidiform mole (abnormal cell growth in the womb)
* retained placenta (afterbirth retained in the womb)
* placenta praevia
* diabetes (If you have exclusions because of your past medical history related to diabetes, then you will not be covered for any treatment
* post partum haemorrhage (heavy bleeding in the hours and days immediately after
* miscarriage requiring immediate surgical treatment)

Stress counselling helpline

Employee Assistance Program - No

Not available

Employee Assistance Program - Essential

EAP Essential
Unlimited 24/7 access to phone support for psychological and mental-health conditions, including a fully qualified counsellor just a phone call away or on email
Access to our LifeManagementTM services for help with everyday struggles like debt, childcare provision, relationship problems and legal issues, or for support during life-changing events like bereavement
Online information and guidance for your team through a dedicated website

Employee Assistance Program - Premier

EAP Premier
Unlimited 24/7 access to phone support for psychological and mental-health conditions, including a fully qualified counsellor just a phone call away or on email
Access to our LifeManagementTM services for help with everyday struggles like debt, childcare provision, relationship problems and legal issues, or for support during life-changing events like bereavement
Online information and guidance for your team through a dedicated website
plus:
* Up to eight sessions of face-to-face counselling with a clinical specialist per team member
* Structured online live-chat counselling
* Referral to a psychologist in complex cases
* Support for your managers to help them to meet day-to-day team challenges

Transplants

Not covered

Other benefits

Extended Cover - Yes

Extended Cover
Routine management of specified chronic conditions including: asthma, diabetes, epilepsy, high blood pressure, osteoarthritis, rheumatoid arthritis, thyroid problems, angina, ulcerative colitis and heart valve problems


Insurer & Benefits:	Insurers, Featured Insurers
Find a broker:	Find a Broker

Insurer & Benefits:

Insurers, Featured Insurers

Find a broker:

Find a Broker