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Target markets

Target markets for private healthcare cover

The industry regulator, The Financial Conduct Authority (FCA), requires all insurers to provide details of the target market of our plans to intermediaries. This is alongside any other related product information to help ensure good outcomes for our customers. Due to this requirement we have laid out below the different plans we offer and the type of customer we had in mind, as well as some of the key coverage benefits. For more information on the key features and exclusions applicable to each plan please see the appropriate Insurance Product Information Document (IPID) and the plan handbook. This information will assist you in establishing the health insurance demands and needs of our customers. It will also help our customers to make informed decisions about the suitability of individual and SME plans, and whether they meet these health insurance demands and needs.

Personal Health

Personal Health is aimed at individuals, couples, and families looking to build their own private healthcare cover. This plan suits those looking for comprehensive cover and comes with access to over 21,000 specialists across 250 hospitals and 400 scanning centres. This is a modular product where a range of options can be added to suit individual customer demands, needs and budget. 

Personal Health IPID 

Health For You

Health For You is aimed at individuals, couples and families looking to build private healthcare cover to suit their demands, needs and budget. Although this plan has a shorter list of hospitals and specialists when compared to Personal Health, members benefit from a reduction in premium as a result. 

Health For You IPID

inSpire Health Plan

inSpire Health Plan is aimed at individuals, couples and families where cost is a key factor in deciding the level of cover to purchase. Members on this plan can only use specified Ramsey and Spire hospitals, so it’s important that they’re within a comfortable distance to access these hospitals. This specified list of hospitals limits where they can get treatment in favour of a reduction in premiums. This product is not suitable for members who are not within easy reach of the specified Ramsey and Spire hospitals.

inSpire comes with a unique cashback benefit for specific surgeries. Meaning if a member chooses to have eligible treatment for certain specified surgical procedures through an alternative route (not the NHS), rather than claim for the private treatment under their plan, they’ll be eligible for a cash lump sum to spend as they wish. This treatment needs to be agreed with us in advance. A separate cash benefit is also included where the member chooses to have treatment through the NHS. 

inSpire IPID

The following plans are no longer available to new customers and can only be accessed by renewing members who are currently on one of these plans.

Health Select

Health Select is aimed at renewing individuals, couples and families looking to build private healthcare cover. Cancer cover is included as standard and more options can be added to increase and personalise cover, depending on demands, needs and budget. The standard plan has no out-patient benefits, however the member can choose from a range of options if this cover is required. 

Health Select IPID

Assure

Assure provides cover for eligible private in-patient and day-patient treatment, and out-patient surgical procedures at any of the hospitals in our Directory of Hospitals. Assure may not be suitable for those who need out-patient cover for specialist consultations and diagnostic tests, which are not available on this plan. 

Assure IPID

Key

Key provides cover for eligible private in-patient and day-patient treatment and out-patient surgical procedures at any of the hospitals in our Directory of Hospitals. It also provides some cover for out-patient treatment, such as charges for out-patient consultations, physiotherapists and diagnostic tests up to £750 a year. 

Key IPID

Ideal

Ideal provides cover for eligible private in-patient and day-patient treatment and out-patient surgical procedures at any of the hospitals in our Directory of Hospitals. It also covers out-patient treatment, such as charges for out-patient consultations, psychologists, physiotherapists and diagnostics tests, up to £1250 a year. 

Ideal IPID

Premier

Premier provides access to eligible private in-patient and day-patient treatment, out-patient surgical procedures, specialist consultations and tests, with no limit to how much eligible treatment you can claim for each year. Members on this plan have access to all hospitals listed in our Directory of Hospitals and have the option to extend this so that they can use hospitals outside of our directory. 

Premier IPID

Business Health

Business Health is a flexible product aimed at small businesses proactively looking to help keep their employees healthy. This plan has no ‘core’ cover level, allowing businesses with up to 250 employees to build a plan to fit their needs, out of various PMI and health and wellbeing options. This means they’ll only pay for the options they choose. Costs can also be managed according to the business’ budget by making changes to how the plan is paid for, such as adding or changing excess levels per employee.

If buying cover for 1-2 people only, the plan needs to include either Treatment or Diagnostics Only. Out-patient options can only be bought with a Treatment option and cannot be bought with Diagnostics Only. The EAP options must be bought with at least one other option within the plan.

Businesses can also create separate benefit packages for different employee groups if they wish, as long as they have 6 or more employees to cover. 

Business Health IPID

The following plans are no longer available to new customers and can only be accessed by renewing SMEs who are currently on one of these plans.

Business Health Select

Business Health Select is a product aimed at renewing small businesses looking to provide private healthcare cover to its employees. It comes with a core cover level as standard, which can be added to with one of three levels of out-patient cover, and a selection of health and wellbeing options. Costs can also be managed according to the business’ budget e.g. by making changes to how the plan is paid for or adding or changing excess levels per employee.  

Business Health Select IPID

Directors

Our Directors plan is aimed at renewing small businesses with up to 250 employees, looking to provide in-patient, day-patient and out-patient cover for their employees.

Directors IPID

Executive, VIP and Business Express plans

These plans are aimed at renewing small businesses of up to 250 employees, looking to provide in-patient, day-patient and out-patient cover for their employees.

Executive, VIP and Business Express IPID

Advance

Advance is aimed at corporate businesses, typically looking to provide private healthcare cover as part of their wellbeing strategy and increase their employee benefits. All Advance members have access to our Proactive Health Gateway, an online healthy living tool that helps them make achievable and sustainable improvements to their health and wellbeing. 

AXA Health do not charge a fee for setting up cover. However our Account Managers may receive a payment for arranging sales as part of their overall sales and retention targets. The actual payment amount will depend on sales and quality targets being consistently met by that employee throughout the year.