The AXA Health Plan

Build it.
Adapt it.
Use it your way, everyday.

Forget one-size-fits-all health plans. Now you can:

Simply pick and mix from four cover options
Have different cover for different family members
Include family members living at different addresses

Start a quote

Call us on 0800 169 7593

We're here until 6pm

Own a UK-based business with a business bank account?

You could be eligible for our business healthcare cover

Cover 1 – 249 employees and family members
Range of services included as standard
Choose different cover options for groups of 3 or more employees
Start a business quote

How it works

Build your own plan - choose from four options to create the plan that’s right for you

Standalone options include Outpatient diagnosis and care, Inpatient and day patient care and Cancer care. Mental health care must be selected with one of the other cover options. As with most insurance, there are some things we don’t cover under any care option. Key things your membership doesn’t cover.

Outpatient diagnosis and care

Designed to get you in front of a specialist fast, so you can start your healthcare journey quickly.

See a specialist fast – we can book the appointment for you.
Get as many tests, scans and x-rays as you need.
Get reassurance with our second opinion service.
Get support for muscles, bones and joints without a GP referral if you’re over 18.

Inpatient and day patient care

If you need to stay in hospital, even if it’s just for the day, this care option gives you access to a range of private hospitals.

Have surgery or other inpatient care fast, in the comfort of a private hospital.
Have day patient tests or treatment.
Get follow-up outpatient tests, treatment and physiotherapy that your specialist says you need after your treatment. If you choose 3 specialist consultations, follow-ups will come out of that limit.
Get a cash payment if you decide to use the NHS for treatment your plan would have covered.

Cancer care

Our Cancer care option gives you wide-ranging treatment and support.

Get private surgery and drug treatment for cancer.
Access the latest licensed approved cancer drugs and treatments including some that aren’t routinely available on the NHS - when your specialist refers you.
Get phone support from our experienced cancer nurses and a dedicated case manager who’ll be a consistent point of contact to support you (and your family) throughout your treatment.
Receive chemotherapy at home if you wish, if your doctor thinks it’s appropriate.

This option only covers new cancer – it doesn’t cover tests to diagnose cancer, or any cancer you’ve had in the past.

Mental health care

Our Mental health care option gives you access to private healthcare for mental illness.

Access cognitive behavioural therapy (CBT) or other therapy with a GP referral.
See a specialist at hospital, or get inpatient care if you need psychiatric treatment.
No yearly limit on fees for psychiatric treatment.

You won’t be able to add this option for anyone who has seen a specialist (such as a psychiatrist) for a mental health condition in the past 5 years.

As with most health insurance, there are some things we don’t cover under any care option. See what's not covered.

Questions about our private health insurance

More questions?

- The AXA Health Plan takes some of the worry out of accessing healthcare. It covers private treatment for new conditions, and includes access to our online private GP service.
- You can see everything about what we do and don’t cover in the information we’ll give you before you buy.
- You pay a monthly or yearly cost, and then if you become ill, you can choose to use private healthcare, so long as it’s covered by your membership.
- You usually start off by seeing a GP. Then if you need to see a specialist, you can get in touch with us and we’ll walk you through what you’re covered for.
- If you choose an option that covers seeing a specialist or having hospital treatment, this will usually be in a private hospital – we cover hundreds across the UK. We can source the specialist and book the appointment for you.
Private health insurance covers private treatment for new medical conditions – it’s not designed to cover conditions you already have symptoms of when you join. The treatment that’s covered will depend on the cover you choose – we offer a range of options so you can select what matters to you. For example, you could choose to have cover for:
- seeing a specialist for your first visits to discuss diagnosis
- inpatient or day patient treatment, including operations, in a private hospital
- cancer treatment if you ever get a cancer diagnosis
- help with mental health conditions.
You can work out a combination that’s right for you – and choose different combinations for any family members too.
As with most insurance, there are some things we don’t cover under any care option:

Chronic conditions
- We don't cover treatment or monitoring of ongoing, recurring and long-term conditions (chronic conditions).
Pregnancy and childbirth
- We don't cover pregnancy or childbirth
Dental or optical treatment

There’s no dental or optical option under the AXA Health plan. This means for this plan:
- We don't cover dental procedures.
- We don't cover services that a dentist or optician would usually carry out (primary care).
Treatments, drugs and dressings
- We don't cover fees for outpatient drugs, dressings and private prescriptions.
- We don't cover services that a GP practice would usually carry out (primary care).
- We don't cover preventative treatment or tests when there are no apparent symptoms.
- We don’t cover therapeutic vaccines, even when they are part of treatment of an existing medical condition, including cancer.
- We only cover treatment shown to be safe and effective by NICE, or by clinical trials that we recognise.
- We only cover the approved Advanced Therapeutic Medicinal Products (medicines based on genes or tissues) listed on our website.
You can see everything about what we do and don’t cover in the information we’ll give you before you buy.
Most health insurance, from any insurer, is designed to cover new medical conditions, not those you have already. So your cover for conditions that started before you joined will be limited.

For the AXA Health plan, a moratorium means that for most people joining the AXA Health Plan, we won’t cover any condition you had symptoms of in the three years before you joined. This includes if you had symptoms of a condition that hadn’t been diagnosed. This will last until you’ve been a member for at least two years, and you’ve had at least two years in a row trouble-free from the condition. Trouble-free means you haven’t gone to a medical practitioner, had any treatment or advice, followed a special diet, or taken medication, including over-the-counter medication.

As well as this rule, we also have specific rules for some conditions too - including:
- chronic conditions – we'll only cover acute episodes, not long-term treatment.
- cancer - we'll only cover new cancer, not cancer that you had at any point before you joined. This includes if the previous cancer comes back or spreads.
- diabetes - we won’t cover diabetes or some other specified conditions.
- raised PSA (Prostate Specific Antigen) - if you've had a raised PSA that has led to investigation, monitoring or treatment, we won't cover any prostate conditions.
If you are thinking of joining AXA Health, simply start a quote – it doesn’t take long, and we won’t ask tricky medical questions. You can also give us a call on 0800 169 7593. If you’re already with AXA Health, it’s easiest to contact us through your online account.
Our aim is to make sure you’re always happy with your membership. But if something goes wrong, it’s important to us that we put things right as quickly as possible. If you want to make a complaint, you can call us on 0800 169 3965 or write to us at AXA Health, International House Forest Road Tunbridge Wells, Kent, TN2 5FE. If we can’t respond within eight weeks or if you’re unhappy with our final response, you can ask the Financial Ombudsman Service for an independent review. More information can be found in our handbook on page 71.