business owner
business owner

Small business health insurance – Simply Business UK

Small business health insurance for Simply Business customers.

You’ll be eligible for healthcare cover with Equipsme if you (and any employees you’re applying for) are aged between 16 and 69 (59 if you’re a sole trader). You can also add your partner and up to six children (aged 25 or under) to your plan. There are no medical questions, but pre-existing conditions from the three years before your start date won’t be covered.

If you have employees, your health cover will start 21 days after you take out your policy. This is to give your employees time to add their families and upgrade their cover. If you’re the business owner and you’re only taking cover out for yourself and your family, your cover will start on the day after you purchase it.

Coronavirus and business health insurance

We know it’s a challenging time for small businesses, and especially for those with employees, who’ll be thinking about their health and wellbeing too.

The NHS is coordinating all Covid-19 (coronavirus) treatment and care, which means treatment for Covid-19 won’t be covered under the healthcare plan. If you have Covid-19 symptoms, you may be advised to stay at home for treatment and recovery. If your symptoms are serious, you’ll be advised to call 111, or 999 for urgent treatment.

Private healthcare gives access to treatment for other illnesses and injuries. Business health insurance gives you 24/7 access to remote GP appointments, but there may be some delays to treatment because of Covid-19’s impact on healthcare resources.

Why buy small business health insurance?


Quicker access to health professionals gets you back in business faster


Different levels of healthcare access to suit your needs and budget


Offering health insurance helps you attract and retain good employees

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