Personal

Private health insurance – your health in expert hands

What is private health insurance?

Private health insurance gives you access to eligible health treatment when you need it. From seeing a specialist for diagnosis to having a comfortable private hospital stay, we’re there to look after your health and wellbeing. We offer a range of levels of cover and premiums to best suit everyone's specific needs.

How does private health insurance work?

Private health insurance covers you for all the benefits of private healthcare without the worry of how to pay for your treatment. You pay regular premiums, and if covered under your plan your treatment will be covered.

Our private health insurance covers you for eligible treatment upon specialist referral and if you choose an out-patient option your specialist consultation will be covered. Our members can choose a private hospital from our Directory of Hospitals at a time and place convenient to them. This means they can put all their energy into getting better, knowing all other sides of things have been taken care of.

Our Core Private Health Insurance Cover

Personal Health, our private health insurance plan covers you for treatment for a wide range of conditions if you need to spend time in hospital on specialist referral. For out-patient cover you need to choose our out-patient option which will cover you for your specialist consultations and diagnostic tests. We do not cover out-patient drugs.

With our heart and cancer cover and care, you’ll be covered for radiotherapy and chemotherapy. You’ll also have access to a dedicated nurse helpline to help with healthcare concerns about the condition, treatment and care options. You can talk to us any time, day or night, so you’ll never have to find your way on your own.

Get a free health insurance quote

Get a free quote

Call us on 0800 111 4004*

The Benefits of Private Health Insurance

When life throws you an unexpected challenge, fast diagnosis and treatment are what matter most, along with genuine help, support and understanding from people who care. So here’s a summary of everything that comes with Personal Health, your private medical insurance plan, for new medical conditions after you join.

Convenience

Access to diagnostics to establish what might be wrong with our Fast Track Appointments service (when you choose an Out-patient option)

Choice

Your choice of hospital (from our Directory of Hospitals), specialist and appointment time

Access

Access the latest clinically recognised and eligible treatment and drugs (subject to medical history and cover options chosen. Out-patient drugs are not covered by this plan)

Benefits for you and your family

Unlimited online, video or telephone consultations with AXA Doctor at Hand our online GP service (powered by Doctor Care Anywhere. Subject to availability and DCA fair usage policy)
Get 24/7 health information with our Health at Hand and online health centres
Fast Track Appointments service – if you see your own NHS GP and get an open referral we will help to quickly find you the right specialist, at the right time and place for you (specialist fees covered if you have chosen an Out-patient option)
Our best ever no claims discount rewarding you when you don’t make a claim
Hospital accommodation for one parent, and up to £100 a night towards a hotel (up to £500 a year), while a child under 16 is receiving eligible treatment
Surgery to correct prominent ears for a child under 14
Six sessions of speech therapy for a child under 14 resulting from a delay in their development
Free cover on your plan for new-borns until your renewal date (restrictions may apply)

Benefits for your stays in hospital

Cover for diagnostic surgery, CT, MRI and PET scans (at a hospital from our Directory of Hospitals)
We’ll pay full in-patient and day-patient hospital fees (on specialist referral), including operating-theatre costs, nursing care, drugs and dressings, specialist fees, consultations, diagnostic tests, subsequent CT, MRI and PET scans and physiotherapy. Just use a hospital from our Directory of Hospitals)
A cash payment of £50 a night up to £2,000 a year when you have in-patient treatment free on the NHS
No yearly limit on out-patient surgery
Second Opinion Service available when an Out-patient option is selected

Benefits for cancer patients

Extensive heart and cancer cover and care, including access to the latest approved cancer drugs and eligible treatment - even licenced drugs not routinely available on the NHS (subject to medical history and cover options chosen. Out-patient drugs are not covered by this plan)
Specialist consultations with the same specialist who’s treating your cancer when you’re an out-patient (with an Out-patient option)
Chemotherapy and radiotherapy treatment
External prostheses (limbs), up to £5,000 a year, and wigs up to £400 a year - when you’re having treatment to remove cancer cells
Telephone support from our Dedicated Nurse Helplines where you can speak to nurses experienced in managing heart and cancer conditions

Get a free quote

Call us on 0800 111 4004*

Tailor your Private Health Insurance

We understand that everyone’s different. So we have a range of cover options letting you tailor your private health insurance so it’s right for you. When you get an online quote you can add and remove these options and see how it impacts the price.

Here are the main options you can add to your private medical insurance.

Standard Out-Patient option

Up to three specialist consultations a year
No yearly limit on diagnostic tests when a specialist refers you
No yearly limit on practitioner charges when a specialist refers you (includes dieticians, nurses, orthoptists and speech therapists)

Full Out-Patient option

No yearly limit on specialist consultations
No yearly limit on diagnostic tests when a specialist refers you
No yearly limit on practitioner charges when a specialist refers you (includes dieticians, nurses, orthoptists and speech therapists)

Dentist and Optician Cashback

Cover for 80% of your dentist’s fees, up to £400 each year
Cover for 80% of your optician’s fees for prescribed glasses and contact lenses, up to £200 each year
£25 a year towards the cost of eye tests

Therapies option

Adds cover for out-patient treatment by physiotherapists, acupuncturists, homeopaths, osteopaths and chiropractors
No yearly limit on charges for out-patient treatment from recognised physiotherapists, osteopaths, homeopaths, acupuncturists and chiropractors – up to an overall maximum of 10 sessions a year for GP-referred treatment. Further sessions (as long as we agree them first) when referred by a specialist
Get up to 10 sessions a year when your GP refers you, or when you have therapist treatment through our Working Body team

Mental Health option

As an in-patient or day-patient:

Cover for psychiatric treatment, including accommodation, diagnostic tests and drugs, at a hospital or day-patient unit in our Directory of Hospitals
No yearly limit on specialist fees for psychiatric treatment

As an out-patient:

No yearly limit on specialist consultations for psychiatric treatment
No yearly limit on psychiatric treatment by psychologists and cognitive-behavioural therapists, as long as your specialist oversees treatment

Extended Cover

Cover for visits to a private GP for consultations, up to £500 a year
Cover when you use hospitals outside our Directory of Hospitals, giving you more choice of where you’re treated
We’ll provide overseas cover for planned treatment up to the value of the equivalent UK treatment

Travel option

European or Worldwide Travel Cover for emergency medical expenses abroad
Also includes cover for lost baggage, delays and lost passports, as well as personal accident cover and cover for on-piste skiing
Worldwide Travel Cover includes emergency dental treatment and business travel
With the Adventure Sports upgrade, you can add cover for activities like bungee-jumping and paragliding

As with most private healthcare plans, there are exclusions and limitations. If you'd like to find out more about what is and isn't covered, call us on 0800 111 4004. Travel cover is offered on a fit to travel basis. If you have any doubts about whether you’re fit to travel, you must consult your doctor in the week before you travel. We won’t cover if you travel against advice of the Foreign, Commonwealth and Development Office (FCDO). We also do not cover claims for cancellation where you cannot or choose not to travel due to any restrictions relating to a pandemic declared by the World Health Organisation, or where you choose not to travel because of a pandemic; including if you choose not to travel due to compulsory quarantine either at your trip destination or when you return.

Our Travel policies include exclusions for Terminal Illnesses and Psychiatric cover (which cannot be removed). If you have either of these, we won’t pay claims under Section 1 (Medical benefits) and Section 4 (Cancellation and curtailment) caused directly or indirectly by these medical conditions. However, if you need cover for these exclusions, details of providers that may cover these conditions can be found in the MaPS Travel Directory or by calling 0800 138 7777. This provides information and helps find specialist insurers that provide affordable insurance for consumers with pre-existing medical conditions. For policies starting from 1 April 2021, the exclusions for psychiatric illness will be removed. Members with policies starting from 1 April 2021 will be able to claim under Section 1 and Section 4 as a result of a psychiatric condition, subject to all other terms and conditions.

Get a free quote

Call us on 0800 111 4004*

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 ‘continued medical exclusions’
Pregnancy and childbirth - we do offer free cover on your plan for newborns until your renewal date (restrictions may apply)
Treatment of ongoing, recurring and long-term conditions, such as diabetes or asthma (we call these ‘chronic conditions’)
Cosmetic treatment (except for birthmarks and prominent ears, which are covered under our enhanced family cover)
There are some specialists whose costs we can’t cover in full, so please call us if you need to claim

Unsure? Call us on 0800 111 4004*

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The Defaqto and Moneyfacts 5 Star Rating is based on an assessment of the overall product, including the optional components. Where not all of the options are taken, this might affect the rating of the product.

Award-winning provider

Your Money - Best Direct Healthcare Provider 2019
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Defaqto 5 Star Rating

We cover more than just the basics

Consult with a GP through your smartphone or laptop

AXA Doctor at Hand

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

Working Body

Use Fast Track Appointments to arrange your consultation

Fast track

Manage your private health insurance online

Member Online makes managing your membership easy. Just register using your AXA Health membership number and you’ll be able to see how much of your private medical insurance cover you’ve used, check the conditions, treatments and payments you’ve claimed for.

Why choose us?

We know health, how precious it is and how much it means to you. We were founded by doctors and hospitals working together, and our service is still shaped by clinicians today.

About us

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