Adaptable healthcare cover for businesses

Healthcare cover for businesses with 1 - 74 employees in the Channel Islands, Isle of Man, UK and Europe.

As you keep your business moving forward, you need a healthcare plan that can keep up

Your people are the foundation of your business so looking after their health and that of their families is a key priority.

Whether you’re a family-run business looking to grow or a company protecting the wellbeing of your employees, Islands Health Adapt will evolve with you. 

Build your personalised plan

Islands Health Adapt is our modular insurance product that flexes to meet the healthcare needs of your business and helps look after your workforce.The plan comes with a core level of cover and then you can choose from a range of optional modules.

You can choose to pay in monthly, quarterly or annual payments. If you decide to pay annually, we'll offer you a 5% discount. So, you'll be able to provide your employees care whilst keeping costs in check.

Making things simple

With Islands Health Adapt, your employees will have access to the care and support they need to keep themselves and your business thriving.

Icon of phone and healthcare cross
24/7 health support line

If your employees have a question about their health, they can call or email our 24/7 health support line. They’ll be supported by our team of experienced health professionals including nurses, midwives, counsellors and pharmacists.1

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Access to our extensive medical network

Your team will have access to our extensive medical network. We’ll be able to arrange payment with these providers directly, meaning less paperwork to complete and fewer out-of-pocket expenses.

Everything they need online

With access to online solutions, your employees can manage their policy in a way that suits them. 

If you select the Outpatient Module, your team will have access to the healthcare payment card to make smaller payments simple.

Core Module

Included in all plans 


No matter what modules you choose, your employees will have our Core Module. 
It has no overall limit, but some treatment may have a separate limit. 


Treatment covered under this module includes: 

 

  • Hospital charges as an inpatient or a day patient 
  • A wide range of cancer treatment including radiotherapy, chemotherapy and biological therapies 
  • Emergency evacuation and repatriation
  • Surgery
  • Ambulance transport
  • Parental accommodation – if your employee’s child is having treatment covered by the plan, a parent can stay nearby
  • Accidental damage to teeth
  • Inpatient psychiatric treatment
  • Outpatient psychiatric treatment up to £2,500 a year
  • £100 a night cash benefit when your employees receive free inpatient treatment

Build your plan with a choice of additional modules

You have a choice between three limits. The limit you select is the maximum amount we’ll pay for treatment covered under the Outpatient Module, per person, per year.  

  • £1,000 or
  • £2,500 or
  • Paid in full 

The Outpatient module covers your employees for outpatient consultations with medical practitioners, diagnostic tests, outpatient psychiatric treatment, physiotherapy, and Chinese medicine. With this module, your employees will also benefit from our healthcare payment card.

Requires the Outpatient Module to be selected  

You have a choice between three limits. The limit you select is the maximum amount we’ll pay for treatment covered under the GP Module, per person, per year.  

  • £500 or
  • £800 or
  • Paid in full* 

The GP Fees Module provides your employees with primary care services provided by a general practitioner. 

*The paid in full GP Fees Module limit can only be chosen if the £2,500 or paid in full Outpatient Module limits have been included.

Requires the Outpatient Module to be selected  

You have a choice between three limits. The limit you select is the maximum amount we’ll pay for treatment covered under the Drugs and Dressings Module, per person, per year.  

  • £200 or;
  • £300 or
  • £400 

The Drugs and Dressings Module covers outpatient drugs and dressings that have been prescribed by a medical practitioner or nurse. 

Requires the Outpatient Module to be selected  

You have a choice between two limits. The limit you select is the maximum amount we’ll pay for treatment covered under the Dental Care Module, per person, per year.  

  • 80% up to £400 or;
  • 80% up to £700 

The Dental Care Module covers your employees for non-routine dental treatment for example, replacing crowns.

Requires the Outpatient Module to be selected  

You have a choice between two limits. The limit you select is the maximum amount we’ll pay for treatment covered under the Optical Module, per person, per year.  

  • 80% up to £200 or;
  • 80% up to £400 

The Optical Module covers your employee for one eye test a year (up to £60), prescription glasses and contact lenses.

Requires the Outpatient Module to be selected  

You have a choice between three limits. The limit you select is the maximum amount we’ll pay for treatment covered under the Health Check Module, per person, per year.  

  • £200 or;
  • £500* or;
  • £1,000** 

The Health Check Module provides your employees cover for a health check. This could include checking resting blood pressure, cholesterol tests and cancer screening tests. 

*The £500 Health Check Module limit can only be selected if the £2,500 or paid in full Outpatient Module limits have been chosen. 

** The £1,000 Health Check Module limit can only be selected if the paid in full Outpatient Module limit has been chosen. 

Healthcare payments in the palm of your hand

No pre-pay. No pre-loading. No pre-authorisation. With the Islands Health Adapt Outpatient module, your employees will benefit from our innovative healthcare payment card.2 This gives them the ability to pay for eligible outpatient treatment from their mobile device quickly, and without using their own funds.3

All that's left to do is upload a photo of their invoice to the AXA Global Healthcare Card app and we'll take care of the rest. It's claiming made simple. 

Manage your policy with our all-in-one-app

With the Islands Health Adapt plan, your employees will have access to our all-in-one app which combines policy management with personalised wellness features and medical support from our Virtual Care services.

Empower your team with our Virtual Care services

As part of Core Module, your team will have access to reliable medical support, wherever they are in the world. 

Virtual Doctor service

Wherever work takes them, your employees will have Virtual Doctor by their side. From working in Spain to Singapore, they'll have a qualified doctor at their fingertips.4

Mind Health service

No matter how small, your employees don't have to carry it alone. The Mind Health service connects them with professionals who care. For up to six sessions, they'll be heard and helped by a qualified psychologist.5

Second Medical Opinion service

Your employees can take control of their health with a second medical opinion. Global experts will provide them with the insights so they can make informed decisions about their treatment options.6

Find out more about Islands Health Adapt

Our summary of benefits and sales brochure will give you more information about the flexible benefits you’ll get with Islands Health Adapt.

1 Nurses and counsellors are available 24/7. Pharmacists and midwives are available: 8:00 - 20:00 UK time, Monday to Friday, 8:00 - 16:00 UK time Saturdays and 8:00 - 12:00 UK time Sundays.

2 The AXA Global healthcare Card app is provided by Paysure. The healthcare payment card from AXA is issued by Nium Fintech Limited pursuant to a licence by Visa Europe. Nium Fintech Limited is a company registered in England with company number 09039850, authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 901024).

3 The healthcare payment card must only be used to pay for genuine claims for treatment that’s been received, and which are eligible within the terms and conditions of the policy.

4 The Virtual Doctor service is provided by Teladoc Health and is part of the Virtual Care from AXA offering. Telephone appointments can be booked 24/7, 365. Callbacks are typically within 24 hours. Operating hours vary according to region. For availability in your local market and further information on the Virtual Doctor service, please click here.

5 The Mind Health service is provided by Teladoc Health and is part of the Virtual Care from AXA offering. The service provides up to six sessions with a psychologist per non-emergency mind health concern, per year. For further information about the Mind Health service, including consultation availability, please click here.

6 The Second Medical Opinion service is provided by Teladoc Health and is part of the Virtual Care from AXA offering. For further information about the Second Medical Opinion service, please click here.