Who are Equipsme?
Equipsme launched in 2018 with a mission to make business health insurance simple, practical and great value for money. Today we help businesses take care of their people, and employees take care of their health – and their families.
Read more about other customers and members here.
Why Equipsme?
Your company may have decided to reset their health benefits - and move employees to Equipsme from a different health insurance or benefits supplier.
This means you will now have different benefits, which come with different terms and conditions.
The good news is it means your company can still offer you benefits that are designed to provide you with a health back-up when you need it.
Equipsme is also rare in the market because it allows you to pay in extra yourself to upgrade your plan over and above the level that your company has bought you - and get the level of cover you believe is right for you.
You can also pay separately to add your spouse/partner and children, giving you extra peace of mind that everyone is taken care of.
Read more information on how to upgrade benefits and add family:
How to add family to your Equipsme plan
How Equipsme supports family health
What do I need to be aware of?
Your plan will not be the same as any previous plan, so it’s really important to understand your benefits, so you can make the most of them.
Here are four key things to think about:
1. What benefits do I have now?
Your company has selected a plan for you.
They pick from different cover levels, and choose whether to add on services like our Stress support EAP, or Dental and Optical cover. These can only be bought by your employer for all employees and cannot be purchased individually.
If you’re already a member, you can find out what benefits are on your plan by visiting your members’ portal on the Equipsme website or App. Just click on an icon to access the benefit.
Visit your personal portal
All our plans include the following extra support and value:
- Private GP 24/7
- Physio support and F2F sessions (number of sessions dependant up on plan level)
- Nurse helpline 24/7
- Cancer & Heart support
- Annual home health check
- Elder care support
- Gym, health check and optical discount
- You can upgrade benefits
- You can add family.
Physio, diagnosis and treatment are accessed through AXA Health’s network of private specialists and hospitals, so you must obtain pre-authorisation from AXA Health first to know you’re in safe hands.
2. What benefits can I get for my family?
Adding your partner costs the same as your own plan costs. Adding children (aged under 25) costs just half of whatever your plan cost. What’s more – it’s half the cost for ALL children you add to your plan, not per child.
Find out more about adding family to your Equipsme plan here.
3. What about pre-existing conditions?
When you join Equipsme we don’t want you to have to fill out lengthy questionnaires about your detailed medical history. Instead, we exclude from physio, diagnosis and treatment cover for any pre‑existing conditions that you’ve had in the three years before your cover starts.
That means if you’ve had any disease, illness or injury, or any other symptoms for which you’ve received medication, advice or treatment for in the three years before the start of the Equipsme plan – you are NOT covered for these under your new plan.
This would also include any claims that you have had or are currently in the middle of with your current health insurance provider.
Find out more about pre-existing conditions here.
4. What other exclusions should I be aware of?
Your Equipsme plan also doesn’t cover cancer treatment. In order to help keep claim costs sustainable, we help our members get early medical attention and swift diagnosis, which can often help speed up the move back into the NHS for treatment.
Find out more about Equipsme and cancer care here.
Psychiatric in-patient care is also excluded from Equipsme cover along with some standard industry insurance exclusions.
You can find more information on our exclusions here.
There are benefits which you can use from day one which would cover existing health conditions. These are the GP services, nurse helplines and the health check, as well as stress support and dental and optical benefits (if chosen by the business for all employees).
Contact us
Whether you've got questions about your cover or about Equipsme, we’re here to help. You can either email us at [email protected] or call our friendly team on 020 3965 6410
Date reviewed: October 2025
