2 months healthcare cover free^ for BA Clubs members

Plus one gift from three available choices* when you join. Details below. 

An expert rated healthcare plan

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The Defaqto 5 Star Rating is based on an assessment of the overall product including all optons. If some of the options are not selected, this will affect the product's Star Rating.

Benefits of our Personal Health plan

  • Fast access to treatment at over 250 hospitals, within our directory.
  • Cover for in patient and day patient treatment fees (on specialist referral), including operating theatre costs, nursing care, dressings, specialist fees, consultations, diagnostic tests, CT, MRI and PET scans and physiotherapy.
  • Support for muscle, bone and joint pain. Get the help you need online or by phone; we’ve made sure members aged 18 and over can speak to an expert fast and without a GP referral.
  • Access to our online GP service. Book a video or phone appointment with a fully qualified GP, whenever you want. (Subject to appointment availability, not available on child only plans).
  • If you have a question about your health, our 24/7 health support line offers clear, up-to-date information and support, day and night, from our experienced nurses and counsellors.
  • Access to specialist cancer treatment, subject to medical history and cover options chosen.
  • Access to the latest licensed approved cancer drugs – on specialist referral, even if they aren’t available on the NHS (depending on your medical history and cover options chosen. Outpatient drugs are not covered).
  • Access to member offers such as discounted gym membership from Hussle and Nuffield Health. Access classes, gyms and spas across the country, so you can enjoy a range of benefits for your mind and body. For more information and T&Cs click here.

    Private health insurance explained

    Private health insurance gives you access to eligible health treatment when you need it. From seeing a specialist for diagnosis (subject to the options chosen) to having a comfortable private hospital stay, we’re here to look after your health and wellbeing. In addition to your core cover, we offer a range of extra cover options, meaning you can tailor your plan to suit your needs. Like all insurance, our health plans are designed to cover new medical conditions that begin after you join. So, there may be some things we can't cover – depending on the options you choose and your medical history.

    Call for a quote and full details of what is and isn't covered


    2 months free^

    Plus a free gift when you join*


    You will be able to choose between one of the following gifts* when you join:

    • £100 M&S gift card
    • Fitbit Charge 6
    • Nuffield Health Assessment

    Terms and conditions

    Lines are open 9am to 7pm weekdays. We may record and/or monitor calls for quality assurance, training and as a record of our conversation.

    ^The two months cover free offer is for newly signing customers only on the purchase of a Personal Health or Health For You plan. Offers limited to customers who are not, and have not in the last three months, been a member of any individual or corporate plan, policy or trust scheme underwritten or administered by AXA PPP healthcare Limited or AXA Health Services Limited. If paying annually, you will only be charged for 10 months of cover. If you pay monthly, the last two months of cover will be free. This offer cannot be used in conjunction with any other offer, apart from our 5% discount for paying annually. Offer may be withdrawn at any time. At the renewal of your policy onwards, your premium will be calculated in the normal way.

    *Choice of one of the following three offers available on purchase of a Personal Health, Health for You or inSpire plan (excludes child only plans). Offers limited to customers who are not, and have not in the last three months, been a member of any individual or corporate plan, policy or trust scheme underwritten or administered by AXA PPP healthcare Limited or AXA Health Services Limited. Offer is non-transferable with no cash alternative. Offer limited to one per household and may be withdrawn at any time or substituted for an equivalent product. A one-time voucher code will be sent to the email address you provided on purchase of your Personal Health plan, within 28 days of receiving your payment if paying annually or, if paying monthly, within 28 days of receiving your second month’s subscription (as long as you haven't cancelled your Personal Health plan). The voucher code will only be redeemable against one of the following three items (T&Cs apply): 1. £100 M&S gift card 2. Fitbit Charge 6; and 3. Nuffield Health Assessment

    BA Clubs is an introducer appointed representative of AXA PPP healthcare Limited. AXA Health is a trading name of AXA PPP healthcare Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The healthcare plans are underwritten by AXA PPP healthcare Limited. Registered office: AXA PPP healthcare, 20 Gracechurch Street, London EC3V 0BG. Registered in England and Wales number 03148119. Write to us at: AXA Health, International House, Forest Road, Tunbridge Wells, Kent, TN2 5FE. For information about AXA Health, visit