AXA HEALTH INSURANCE

Private medical insurance that fits your life

From as little as £1.39 per day¹

1. Price (£42.05 per month) based on a 30-year-old living in Bournemouth with outpatient cover and inpatient cover (max. 3 consultations), cancer cover, a £250 excess and using our foundation hospital network.

YOUR AXA HEALTH PLAN

The plan that puts you first

Outpatient diagnosis and care

Access to as many tests, scans and x-rays as you need; this option is designed to get you in front of a specialist fast, so you can start your healthcare journey quickly.

Cancer care

Wide-ranging treatment and support including a dedicated case manager to be your constant point of contact. This option only covers new cancer, not cancer you'd had in the past, including if the same cancer spreads or comes back, or tests to diagnose cancer.

Mental health care

Access cognitive behavioural therapy (CBT) or other therapy with a GP referral. You won't be able to add this option on for anyone who has seen a specialist for a mental health condition in the past 5 years.

Inpatient and day patient care

If you need to stay in hospital, even just for the day, this care option covers you for inpatient and day patient treatment and tests at a private hospital in our network.

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. Pre-exisiting conditions are not covered. As with most insurance, there are some things we don't cover under any care option.

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

Trusted since 1940

Providing tailored private medical insurance plans for over 85 years
Top Private Health Insurer

Recognised as a UK top health insurance company by The Telegraph
1+ million members

Join the 1.4 million members who have already chosen AXA Health

Start a quote

What is health insurance?

Private health insurance, often referred to as private medical insurance, is an insurance policy that safeguards your health. You pay a monthly, or yearly, subscription and if you require treatment covered by your policy, the cost will be covered.

With AXA Health, your health comes first. Depending on the options chosen, we'll support you with fast access to diagnosis and treatment, as well as guidance and tools that can help you manage your health every day, not just when there is a problem. Our AXA Health Plan, like most health insurance, is designed to cover new conditions that develop after you join and not pre-existing conditions.

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.
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, or treatment for, 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 after joining. 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.

*Lines are open 09:00 - 19:00 Mon - Thurs, 09:00 - 17:00 Fri and closed Sat - Sun. We may record and/or monitor calls for quality assurance, training and as a record of our conversation.