Small Business Health Insurance

If you are a small business owner, or self-employed, health insurance with Equipsme is an affordable reality. With no medical questions and a simple three year pre-existing conditions exclusion, it’s quick and easy to apply.

Equipsme can provide cover for you, your employees and families – whether you’re a self-employed business owner or a company with employees.

Equipsme plans feature practical health and wellbeing support including 24/7 GP access and health checks together with health insurance from AXA PPP healthcare. A health insurance plan not only gives your employees a benefit they really want, it makes good business sense too.

Erimus work exclusively with Equipsme for small business employee health insurance.

 

health insurance quote button

 

Why buy Small Business Health Insurance?

By having a Small Business Health Insurance plan for your business, you can give your staff quicker access to private medical treatments. This promotes productivity, wellbeing, reduces sick days and absenteeism.

You can also attract talent to your Small Business by showing you are an employer that cares about the health and wellbeing of your staff. This can increase employee loyalty to the organisation, especially when Equipsme allows partners and children to be included. Employees can pay separately to add their partner and children.

Do you need business health insurance?

Although Health Insurance isn’t a compulsory form of insurance, it can have many benefits for you and your business. Depending on the plan, it gives you access to a wide range of medical services that can keep your business running:

  • 24/7 GP Access – get a GP consultation by phone or video
  • Physio sessions – from 5 per year up to no yearly limit
  • Health checks – including blood tests, cholesterol, Vitamin D and diabetes
  • Health support – private nurse helpline
  • Diagnosis cover – consultations, diagnostic tests, MRI and CT scans
  • Hospital treatment – cover for specialists, surgeons, hospital room, dressings and drugs
  • Dental and optical – check-ups and treatment
  • Stress support – telephone service, counselling and face-to-face sessions

Health insurance plans for the self-employed

There are no medical questions, just a simple three year pre-existing conditions exclusion. All ages 16-59 years cost the same so you can work out your exact price with only three questions. You can find a summary of the cover here including significant exclusions.

Health insurance plans for your business

Starting with two employees, all ages from 16-69 years cost the same on all plans. There are no medical questions, just a simple three year pre-existing conditions exclusion. Employees can easily upgrade and add family members. You can find a summary of the cover here including significant exclusions.

3 Simple Steps

Step 1

The business chooses…

  • How many employees
  • What levels of cover
  • Add optional benefits

Step 2

Employees can upgrade their level of cover and easily add family members within a 21 day window before the plan start date

Step 3

You’re covered and can access benefits using the App or Portal

Small Business Health Insurance FAQs

Why should I get Small Business Health Insurance?

Business health insurance is considered an important employee benefit by many organisations. Giving staff quicker access to private medical treatments promotes productivity, wellbeing, less sick days and absenteeism.

Many employees appreciate working for a company that cares about their health, something that increases their loyalty to the organisation, especially when Equipsme allows partners and children to be included. Employees can pay separately to add their partner and children.

 

What is included in Small Business Health Insurance?

Depending on the level of cover you choose for your business, you will be able to access a range of health benefits and services, including:

  • 24/7 GP Access – get a GP consultation by phone or video
  • Physio sessions – from 5 per year up to no yearly limit
  • Health checks – including blood tests, cholesterol, Vitamin D and diabetes
  • Health support – private nurse helpline
  • Diagnosis cover – consultations, diagnostic tests, MRI and CT scans
  • Hospital treatment – cover for specialists, surgeons, hospital room, dressings and drugs
  • Dental and optical – check-ups and treatment
  • Stress support – telephone service, counselling and face-to-face sessions

 

Can I get cover without completing a medical questionnaire?

Yes, Equipsme offers business health insurance with no medical questionnaire required. This offers a simple way for you to cover your staff members with less admin involved.

All ages 16-69 cost the same on plans for two or more employees (16-59 for self-employed businesses) and we have a simple three-year pre-existing conditions exclusion.

 

Are Pre-existing Conditions covered?

Pre-existing conditions from the three years before your policy start date aren’t covered.

 

How much does Small Business Health Insurance cost?

The cost of small business health insurance can vary depending on the type of plan that you choose and the type of business that you are. Basic plans provide access to GPs, physio, and health support with the option to upgrade to provide more cover. More information can be found here.

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