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Personal Health - your client's health in expert hands

All our healthcare insurance plans start with peace of mind

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Our Core Cover

Personal Health, our private health insurance plan, covers treatment for a wide range of conditions as well as the cost of surgery, specialists’ fees and drugs,  if your clients need to spend time in hospital.

With our heart and cancer cover and care, they'll be covered for radiotherapy and chemotherapy and have a dedicated team of cancer nurses to support them over the phone. 

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Find out what's important to your clients

By encouraging your clients to make a list of their priorities, you can help them choose the right plan for their needs. If there’s something they want to cover, it’s always worth asking us.

Our additional options include: Standard or Full Out-Patient, Guided Option, Mental Health, Therapies and Extended Cover.

Download our brochure for a full list and explanation of what options are available to your clients, as well as what is, and isn’t covered.

We cover more than just the basics

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Consult with a GP through a smartphone or laptop

Imagine your client is struggling to juggle work and family but can fit in a GP’s appointment when it suits them. Imagine they need a prescription for their child before they go away on a school trip in 48 hours. At AXA Health we’ve imagined it all. That’s why we give your individual clients unlimited access to AXA Doctor at Hand, our online, private GP service, delivered by Doctor Care Anywhere1.

1Doctor Care anywhere is not an emergency medical service and our plans do not cover emergencies.

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Talk to a Working Body physiotherapist over the phone without a GP referral

They’ll assess your clients' symptoms and talk to them about what they could mean. If they think exercise could ease the pain, they’ll recommend some they  can try at home. And if they need further treatment, they’ll help your clients plan what to do next. Working Body is available to over 18s only.

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Use Fast Track Appointments to see a consultant quickly

With an open referral from a GP your clients will be given a choice of three doctors with the right specialism to treat them. And with our private medical insurance they’ll only ever be a consultant – never a junior doctor or registrar. On average, members who use our Fast Track service are seen twice as fast as those members whose GPs have referred them to a named private specialist*. Your clients will  need to include an out-patient option in their plan for the consultation to be covered.

*based on our 2019 Fast Track Appointments service data, recorded from the date the member called our Personal Advisory team.

Other services available for your clients

Get a second opinion

If your client's consultant has recommended an operation or treatment and they’re not sure about it, we’ll arrange for them to see another specialist who can confirm what the doctor has told them, or suggest a different course of action. It's up to them to decide what to do next. This service is available if our Out-patient option is chosen.

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Ask us about health, anytime

Checking medication with a pharmacist. Discussing treatment options with a nurse. Talking to a counsellor about how you’re feeling. Speaking to a midwife about your pregnancy. Your client's private medical insurance is here to put their mind at ease, so they don’t worry for a minute longer than they have to.

Support through a serious illness

We’ve got a team of nurses available on the phone, who specialise in caring for those living with cancer and heart disease. Every one of them knows what a diagnosis like this means, so your clients' will never have to find their way on their own.

Managing the costs

We offer a wide range of cost-controlling options including a choice of excess levels, the opportunity to pay up front, and a protected no claims discount. Full details of all the options available are explained within the sales brochure.

Guided Option

Another way we can help your clients is with our Guided Option. With this, your clients will be agreeing to use our Fast Track Appointment Service every time they need to see a specialist. They'll still have full access to our hospital list, but we’ll do the work for them - sourcing up to three specialists, who focus on their condition. We’ll book the one they choose at a time and place that’s right for them. This option can’t be taken out if your clients have our Extended Cover Option. 

Member Online

Member Online is a quick, convenient and secure way for members to access useful information, such as policy documents and how to make a claim, at the touch of a button.

It's really important that you do not register your details on Member Online on your clients' behalf, even if you think you have their permission.


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.

Defaqto - 5-Star Rated

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

Additional Downloads

Download the latest AXA Health Directory of Hospitals

IDD target market information

For information on our IDD requirements in relation to the intended target markets of our products, please follow the link below.