What is health insurance?

Private health insurance, often referred to as private medical insurance, is an insurance policy that helps safeguard your health. You pay a monthly, or yearly subscription and this covers the cost of treatment that you need, as long as it is covered by your plan. 

At the heart of private health insurance is a commitment to your wellbeing and the wellbeing of your loved ones. Simply put, it provides fast access to private healthcare when you need it. Our AXA Health Plan, like most health insurance, only covers new conditions that develop after you join and not pre-existing conditions.

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

Our AXA Health Plan gives you the flexibility to combine care options to best suit your needs. You can even choose to have different care options for different people on your plan, giving you more control over your cover levels and the cost of your plan.

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 care options. Inpatient and day patient care must be included when buying Cancer care and Outpatient diagnosis and care together.

As with most insurance, there are some things we don’t cover under any care option (you can find more information on exclusions below).

Cancer care

Our Cancer care option gives you wide-ranging treatment and support for a new cancer diagnosis that you receive after you join.

  • 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 and the drug is being prescribed within the terms of its licence. Outpatient drugs are not covered by this plan.
  • 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.

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 our approved hospitals.

  • Have surgery or other inpatient care fast, in the comfort of a private hospital.
  • Have day patient tests or treatment.
  • Get the follow-up outpatient tests and treatment that your specialist says you need after hospital, including physiotherapy, even if you don’t have the Outpatient diagnosis and care.
  • Get a cash payment if you decide to use the NHS for treatment your plan would have covered.

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

Mental health care

Our Mental health care option gives you access to private healthcare for mental illness that begins after you join.

  • Access to talking therapies 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.


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Get more from your AXA Health Plan with Everyday healthcare

With an AXA Health Plan, if you are aged 18 or over, you get access to Everyday healthcare. Everyday healthcare provides a range of services and tools, as well as access to offers, to help you stay happy and healthy.

Everyday healthcare Includes...

What does our AXA Health Plan cover?

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:

  • Video or phone access to our online 24/7 GP service (subject to availability).
  • 24/7 health support line with nurses and counsellors available to answer your questions.
  • See the right specialist quickly (when including the Outpatient diagnosis and care option).
  • Full inpatient and day patient hospital fees cover (when including the Inpatient and day patient care option).
  • Cancer cover and care (when including the Cancer care option).


To find out about our care options explore our compare health insurance options page.




What's not covered by our AXA Health Plan?

Like all insurance plans, there are some things we don't cover. Here are some of our key exclusions:

  • Treatment or monitoring of ongoing, recurring and long-term conditions (chronic conditions)
  • Routine pregnancy and childbirth
  • Dental or optical treatment
  • Some treatments, outpatient drugs and dressings.
  • Pre-existing conditions, we only cover new conditions that develop after you join

More information about the exclusions and limitations of cover will be provided when you get a quote.

Unsure? Call us on 0800 169 7953*

Who do you need health insurance for?

Choose who you would like health insurance for and we'll provide more information about the relevant health insurance plan available to you.

What do I need to get a health insurance quote?

Ready to get your health insurance quote?

Here's some information you'll need:

  • Personal details such as your name, address and date of birth.
  • Details of any family members you'd like to add to your policy.
  • The date you'd like your policy to begin.


Our health insurance quote process usually takes just a few minutes, so why not get an online quote now?

Frequently asked questions

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