What is health insurance?

Private health insurance, often referred to as private medical insurance, is an insurance policy that safeguards 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 policy. 

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 Personal Health plan, like most health insurance, only covers new conditions that develop after you join and not pre-existing conditions.

What are the core benefits of our Personal Health plan?

When life throws you an unexpected challenge, fast access to diagnosis and treatment are what matter most, along with genuine help, support and understanding from people who care. Here’s a summary of everything that comes with our Personal Health plan.

What are the additional cover options of our Personal Health plan?


Full Outpatient

Cover for unlimited specialist consultations, diagnostic tests and practitioner charges when a specialist refers you.

Mental health cover

Mental Health cover

Cover for specialist consultations and treatment with psychologists and cognitive behavioural therapists upon referral (subject to medical history).

helping hand


Cover for outpatient treatment by physiotherapists, acupuncturists, osteopaths and chiropractors.


Travel cover

Cover for emergency medical expenses abroad and travel-related hassles like lost passports.


Dentist and Optician Cashback

Cover towards dentist and optician's fees including prescribed glasses and contact lenses.

What does our Personal Health plan cover?

  • See the right specialist quickly (when including an outpatient option).
  • Video or phone access to our online 24/7 GP service (subject to availability).
  • Full in-patient and day patient hospital fees cover (on specialist referral, at a hospital from our directory).
  • Heart and cancer cover and care (subject to medical history and cover options chosen).
  • 24/7 health support line with nurses and counsellors available to answer your questions.

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

What's not covered by our Personal Health plan?

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

  • Treatment of medical conditions that you had – or had symptoms of – before you joined
  • Routine pregnancy and childbirth
  • Treatment of ongoing, recurring and long-term conditions

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

Unsure? Call us on 0800 111 4004 +

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 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?

"Your no quibble attitude to my cancer treatment made what was a pretty horrific time in my life considerably easier.

Going through that feeling supported by AXA, rather than having to fight to get what I needed, has been more of a help than I could easily explain. Thank you."

An AXA Health member

Personal Health plan, with all cover options chosen, won a five-star defaqto expert rated award for PMI (Individual) plans in 2024.

Defaqto - 5 Star Rating

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

Frequently asked questions

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