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.

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. 


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


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


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)

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.

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

Individual-PMI-Rating-Category-and-Year-5-Colour-RGB.png  feefo platinum service

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
  • Feefo Gold Trusted Merchant
  • Defaqto 5 Star Rating

We cover more than just the basics

Woman on tablet

Consult with a GP through your smartphone or laptop

people running

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

doctor showing information

Use Fast Track Appointments to arrange your consultation

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.

*Lines open 09.00 - 19.00 Mon - Fri. Closed Sat - Sun. Telephone calls may be recorded and/or monitored for quality assurance, training and as a record of our conversation