Personal

Private health insurance

At AXA Health, we're here to help you bring out your best self

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.

We offer different levels of cover to choose from. For example if you want to be covered for consultations with a specialist, you'll need to select the outpatient option. 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 the rest is taken care of.

Our Core Private Health Insurance Cover

Personal Health, our private health insurance plan provides covers for the things that matter to you. As standard, we cover a wide range of treatment, including cancer, CT or MRI scans if you need to spend time in hospital on specialist referral. You can then choose to add levels of cover to suit your needs. If you'd like to be covered for diagnostics and specialist consultations you'll need to take out our out-patient option. 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
See the right specialist quickly – 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 (which cannot be removed). If you are effected by this, 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 this exclusion, 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 help find specialist insurers that provide affordable insurance for consumers with pre-existing medical 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*

Defaqto2021 Feefo Platinum Service Award 2021

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

Defaqto 5 Star Rating
Moneyfacts 5 Star Rating
Feefo Platinum Trusted Service Award

We cover more than just the basics

See a doctor whenever you want, where you are. A GP Service which fits with you.

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've always aimed to make a real difference for our members. We were founded by doctors and hospitals working together to give more people better access to healthcare, and in the 80 years since, we've grown to become part of the biggest insurance groups in the world, with all the reassurance that bring.

We're the health partner you can rely on: at your side to motivate you, and in your corner to support you when you need it.

About us

Frequently asked questions

We offer different levels of cover to choose from. Our cheaper plans have less cover and our best plans offer the most comprehensive cover available. For example if you want to be covered for consultations with a specialist, you'll need to select the outpatient option. 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 the rest is taken care of.

We offer different types of health insurance to suit your needs:

• Individual health insurance

• Joint health insurance

• Family health insurance

• Child health insurance

• Small business health insurance

• Corporate health insurance

Insurance is designed to cover new and unforeseen risks. Therefore, most private medical insurance doesn’t cover treatment for conditions you’re already suffering from until after a specified treatment free period. These are known as pre-existing conditions. View our short video on pre-existing conditions.

Pre-existing conditions are not normally covered under health insurance. Your cover for pre-existing conditions will depend on your underwriting terms when you join us. You can discuss this with one of our advisors before you purchase a plan.

Agreeing an excess when you take out your plan is a good way to make your premiums cheaper. When you call us to make a claim we’ll tell you whether there’s an excess on your plan.

When we receive an invoice for your treatment we’ll reduce the amount we’ll pay by your excess. You’ll only have to pay your excess once in each membership year and not if you have more treatment throughout the year.

We’ll let you know how to pay your excess when we send you a statement following a consultation or treatment. Take a look at our short video.

Your treatment must be with one of our approved medical practitioners. You must also use one of our approved private hospitals. Which approved practitioner and private hospital you can use will depend on your level of cover - a cheaper plan may not provide all the treatment you require. If you wish to use a medical practitioner or hospital that is not approved by your level of cover you may incur additional costs. We can discuss this with you when you come to claim.

Drugs must have been established as being effective. This means the drug must be licensed for use by either the European Medicines Agency (EMA), or the US Food and Drug Administration (FDA) if the treatment is to be provided outside Europe. The drug must be used within the terms of its licence.

Procedures and practices must have undergone appropriate clinical trial and assessment, and be sufficiently evidenced in published medical journals. For a surgical procedure to be covered it must be listed in our Schedule of Procedures and Fees. We will also pay for treatment not listed in our Schedule of Procedures and Fees if, before the treatment begins, it is established that the treatment is recognised as appropriate by an authoritative medical body.

We will not pay for treatment that has not been established as being effective or which is experimental. You are not covered for complications that arise as a result of unauthorised, unproven or experimental treatment.

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