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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Worried about hospital waiting times? Get back to the things you enjoy with private health insurance

Benefits of our Personal Health plan

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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.
  • Unlimited video or telephone consultations with AXA Doctor at Hand, our online GP service, powered by Doctor Care Anywhere. Subject to availability and the Doctor Care Anywhere fair use policy. (Not available on child-only plans.)
  • 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)
  • Access to our free online health and wellbeing centres, covering topics like allergies, mental health and ageing well.
Start a quote Call us on 0800 587 0861

Gym discounts to keep you fit and healthy

Our personal healthcare plans don't just help you get well, our great gym offers also help you proactively look after your physical and mental health. Plus, the offers are available for everyone covered on your personal healthcare plan, including partners, spouses and direct dependants.

40% off Nuffield Health monthly individual memberships

Nuffield’s Fitness and Wellbeing Centres are a great place to develop healthy new habits, with over 114 centres nationwide to choose from. Terms apply.*

Find out more

40% off Nuffield Health 24/7 online memberships

Get access to Nuffield's online-only fitness classes, with a range of durations and intensity levels to choose from, including prehab and rehab classes designed by physiotherapists. So, you and your team can keep fit even when the gym's not an option. Terms apply.*

Find out more

40% off Hussle’s Monthly+ pass

Get access to multiple gyms, pools and spas, near home or away, for the ultimate flexibility. Terms apply.*

Find out more

Shape your small business health insurance around your business

Your business is different from the rest. It makes sense to choose healthcare cover that is too. Here’s how you start to shape your plan:


Step one

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Choose the cover options that are right for your business.

Step two

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Decide who to cover and how you’d like to handle existing conditions.

Step three

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Only pay for the cover you want.*



*If you are buying cover for 1-2 people only, you will need to include either the Treatment Option or the Diagnostics Only Option in your plan. For more information about our cover, any cover limitations and what we don't cover please see our product brochure.

Find out more Get a business quote

Our call centre lines are open 09:00 - 19:00 Mon - Fri. Closed Sat - Sun.

Terms & Conditions:

*Discount applies to Nuffield Health fitness and wellbeing centre monthly individual membership only. You, your spouse, partner or dependent must be a named member on a current AXA Health  healthcare plan to get a 40% discount and be 18 years or older. As a member, you can access your home club (the one you select on joining) as well as many more clubs around the country. These depend on your home club. You must use your home club at least 50% of the time. The joining fee is £39 and may be subject to change by Nuffield Health. Existing members of Nuffield Health who transfer to a 40% off AXA Health discount will be charged a £39 administration fee by Nuffield Health. Read full terms and conditions at axahealth.co.uk/terms/gym-discount.

40% off Nuffield Health 24/7 online memberships - available to you and your spouse, with or without an AXA Health membership. Read full terms and conditions at axahealth.co.uk/terms/gym-discount.

40% off the purchase of a Hussle Monthly+ pass is available to members on an AXA Health healthcare plan. A partner or spouse and direct dependants included on their healthcare plan can also get 40% off the purchase of a Hussle Monthly+ pass. Read full terms and conditions at axahealth.co.uk/terms/gym-discount.

Nuffield Health gym offer and Hussle offer T&C's: https://www.axahealth.co.uk/terms/gym-discount/