Private health insurance in Scotland

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We’re here to help you bring out your best self. That means a healthy you, reassured that you can access the clinical expertise you need, whenever you need it. It means a confident you, up-to-date on the latest health, lifestyle and fitness information, and feeling fully supported in finding your own route to wellbeing. Whatever healthy looks like for you, we’re here to help you get there.

Benefits of our Personal Health plan

Our healthcare plans are designed to cover the treatment of new medical conditions that begin after you join.

  • See the right specialist quickly when you've chosen to include an outpatient option on your plan.
  • Video or telephone consultations with AXA Doctor at Hand, our online GP service, powered by Doctor Care Anywhere.
  • Full inpatient and day patient hospital fees cover (on specialist referral) including operating-theatre costs, nursing care, drugs and dressings, specialist fees, consultations, diagnostic tests, CT, MRI and PET scans and physiotherapy (at a hospital from our Directory of Hospitals).
  • 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 by this plan).
  • 24/7 health support line with nurses and counsellors available to answer your questions.
  • Get a second opinion if there's something you're not sure about (when you include an outpatient option with your plan).
Start a quote Call us on 0800 111 4004*

Make sure your plan covers all the things you want it to

With our private healthcare insurance, you can easily make sure your plan covers the things you may want or need for the future. Here are some examples of cover options you can include, in addition to our core cover:

  • Full Outpatient cover with no yearly limit on tests or specialist consultations.
  • Standard Outpatient option with no yearly limit on diagnostic tests and scans and up to 3 specialist consultations a year.
  • The Dentist and Optician cashback option offers money back towards dentist fees, optician fees and eye tests.
  • Mental Health Option (subject to medical history).
  • Extended cover to give you more choice of hospitals and cover for planned, pre-approved treatment overseas.
  • Therapies Option covering physiotherapy, osteopathy, acupuncture and chiropractic outpatient treatment.

These are optional cover choices, allowing you to build your ideal healthcare plan. Contact us today for details on what is and what is not covered on our plans.

What’s not covered

Here are the main things that aren’t covered as standard in our private health insurance:

  • Treatment of medical conditions that you had – or had symptoms of – before you joined, unless you’ve switched from another plan and have underwriting called ‘continuing medical exclusions’.
  • Treatment of ongoing, recurring and long-term conditions, such as diabetes or asthma (we call these ‘chronic conditions’).
  • Preventative treatment or tests when you don't have symptoms as well as treatment that hasn't yet proven to be effective.
  • Charges for treatment received outside of our Directory of Hospitals, unless you have our Extended Cover option.
  • There are some specialists whose costs we can’t cover in full, so please call us if you need to claim.
  • Routine pregnancy and childbirth - we do offer free cover on your plan for your newborn until your renewal date (restrictions may apply).

How much does private health insurance cost in Scotland?

Everyone’s different, so health cover will look different for everyone. The total cost of your private health insurance will depend on several factors. Things we consider include:

  • Age.
  • Smoker status.
  • Underlying conditions (such as chronic conditions).
  • Location.
  • Level of cover – you can expect prices to increase with each additional cover options chosen.

To find out how much it would cost you to join AXA Health, get a quote here.

Start a quote Call us on 0800 111 4004*

Frequently asked questions

Our cover is the same as long as you are located in the UK. However, the price you pay might differ depending on where you are located.

We offer a range of private health insurance options that can be perfectly tailored to best suit your individual needs. 

Defaqto - 5 Star Rating

We’re proud that our Personal Health plan has been rated 5 Stars by independent financial information business, Defaqto.

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


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