Pupils Schools page

Welcome to the AXA Health Pupils’ Healthcare Scheme online resource centre. Whether your child is an existing member of the scheme, or you are considering adding them, this site provides access to important information, guidance and documents.

The AXA Health Pupils' Healthcare scheme is designed to provide peace of mind, whether your child is attending or boarding with a school that provides private medical insurance for the benefit of its students.

Dependent on the cover your school has chosen, there are two products available under the scheme:

the AXA Health Pupils' Healthcare Scheme or
the AXA Health Pupils' Healthcare Scheme for Performing Arts

The main difference between the two options are the higher level of physiotherapy cover and a mandatory £100 excess within the Performing Arts scheme. Please follow the appropriate links below for further information.

The role of PHC

AXA Health has appointed its wholly owned subsidiary The Permanent Health Company (PHC) to assist in the administration of these Group Plans.

For further information on how these schemes are administered, you can access a Roles and Responsibilities document here.

Welcome and thank you for choosing the AXA Health Pupils' Healthcare scheme cover for your child.

Amidst the whirl of family life, there are few better feelings than providing support for your loved ones. The comfort from knowing that they're supported by private medical insurance in case they fall ill cannot be understated.

Here you'll find valuable information about your child’s healthcare cover to help you understand and make use of the policy should you need to. This includes useful information about the cover, how to make a claim under the cover and how to make a complaint, as well as your important policy literature.

Please select from the following two options, dependent upon which scheme your school provides access to:

Welcome

Welcome to the main AXA Health Pupils' Healthcare Scheme.

Below you can find useful and important information. We hope that your child remains healthy and well during the term and you enjoy the peace of mind in knowing that eligible medical diagnostics, treatment and support is at hand should it be needed.

What’s covered by the AXA Health Pupils Healthcare Scheme

IF YOUR CHILD IS AN IN-PATIENT OR DAY-PATIENT
Private hospital and day-patient fees	Paid in full	At a hospital or day-patient unit in our Directory of Hospitals.
Hospital accomodation for one adult while your child is in hospital whilst they are having eligible treatment	Paid in full	Covers the cost of one adult staying in the hospital with your child.
Hotel accomodation for one adult while your child is in hospital	Up to £100 a night up to £500 a year	Covers towards the costs for one adult to stay near to the private hospital where your child is having eligible treatment.
Specialist fees	No yearly limit	Includes fees for: surgeons \| anaesthetists \| physicians
Cash payment if the child uses a hospital or day-patient unit that’s not in the Directory of Hospitals	£100 a night for in-patient treatment, £100 a day for day-patient treatment	We will only pay this when: • the treatment would have been covered by the plan • we are not paying for the treatment.
IF YOUR CHILD IS AN OUT-PATIENT
Surgery	No yearly limit	At a facility listed in our Directory of Hospitals.
CT, MRI or PET scans	Paid in full	At a facility listed in our Directory of Hospitals.
Cash payment if the child has a private CT, MRI or PET scan at a hospital or day-patient unit that is not in the Directory of Hospitals	£100 each visit	If the child has a private CT, MRI or PET scan at a scanning centre that is not in the Directory of Hospitals.
Specialist consultations, diagnostic tests and practitioner fees when your child's specialist refers them	No yearly limit	Practitioners are nurses, dieticians, orthoptists, speech therapists, audiologists, psychotherapists or psychologists.
Fees for outpatient treatment by physiotherapists, acupuncturists, osteopaths or chiropractors	No yearly limit on fees up to a combined overall maximum of 10 sessions in a year when your child's GP refers them	We refer to physiotherapists, osteopaths and chiropractors as 'therapists'.
MENTAL HEALTH - IF YOUR CHILD IS AN IN-PATIENT OR DAY-PATIENT
Private hospital and day-patient unit fees for mental health treatment	Paid in full up to 45 days a year	So long as your child uses a hospital or day-patient unit in our Directory of Hospitals. Including fees for; accomodation \| diagnostic tests \| drugs.
Cash payment if the child uses a hospital or day-patient unit that is not in the Directory of Hospitals	£100 a night for in-patient treatment £100 a day for day-patient treatment Up to a combined maximum of 45 days a year	We will only pay this when: • the treatment would have been covered by the plan • we are not paying for the treatment
Specialist fees for mental health treatment	No yearly limit
MENTAL HEALTH - IF YOUR CHILD IS AN OUT-PATIENT
Specialist consultations	No yearly limit
Mental health treatment by psychologists and psychotherapists when a recognised specialist refers them	Up to 4 sessions on the referral of the child’s GP. If the child needs more than 4 sessions then they will need to be referred by a specialist
ADDITIONAL BENEFITS
Cash payment when your child has free NHS In-patient treatment that would have been covered by their scheme	£50 a night up to £1,000 each year	Admitted for in-patient treatment before midnight and if we would have covered the treatment if they had had it privately.
Oral surgery	Paid in full so long as the child uses a facility that we have an agreement with covering oral surgery	So long as the child’s dentist refers them, we will pay for: • reinserting the child’s own teeth after a trauma; or • surgical removal of impacted teeth, buried teeth and complicated buried roots; or • removal of cysts of the jaw (sometimes called enucleation).
Ambulance transport	Paid in full	If the child is having private in-patient or day-patient treatment and it is medically necessary to use a road ambulance to transport them to another medical facility

Cancer cover and care

The scheme includes cover for cancer including chemotherapy, radiotherapy, diagnostic tests and surgery.

The main things we don’t cover

Like all health insurance schemes, there are a few things that are not covered.
We’ve listed the most significant things here, but please also see the details in the scheme handbook.

Treatment of ongoing, recurrent and long-term conditions (chronic conditions).
Treatment received outside the UK.
Private GP fees.
Health checks and dental treatment.
Learning and development disorders.
Fees for specialists who aren’t recognised by AXA Health or charge above our agreed rates.
Any costs incurred once your child’s cover has ended, even if they were pre-authorised, or the condition began when your child was covered by the scheme.

The details given are a summary of the scheme. Full details of the cover available, including what is and isn’t covered, are given in the membership handbook.

Once your child is an AXA Health Pupils’ Healthcare Scheme member, there are a few things you need to know. Firstly, any treatment your child is looking to have needs to be medically necessary. We recommend you inform us before any treatment to confirm your child’s cover.

There will be cases where the NHS will be best placed to provide care locally, as not all private hospitals in all areas of the country have suitable facilities for children. When this is the case we will talk to you about your child’s NHS options as well.

Health Information, key contacts and using the Policy

Here you'll find important information about your child’s policy, how to use and contact details.

Up to the age of 16, as the parent/legal guardian, you have control over your child’s healthcare cover, including access to their medical information and claims detail.

It's important to know that, when your child turns 16, they can have full control over their own medical care and information.

This means that we won’t be allowed to share their medical information or claims details with you unless they give their permission.

If you get in touch to make a claim on your child’s behalf, we’d need their consent before we could discuss anything with you.

We’ve made it as simple as possible for your child to give their permission. They just need to provide us with a consent form instructing us on whether they wish you to have consent to act on their behalf or if they wish to take on this responsibility. The consent form can be found in the Member Document area of this site. This permission will remain in place until your child withdraws their consent.

Imagine having a health professional in the family - someone you could call anytime and they'd have time to listen, reassure and explain in words you understand.

That’s exactly what our 24/7 health support line is here for. You and your family can call our health professionals any time of the day or night. Our team of health professionals, including nurses, midwives, counsellors and pharmacists have experience in child health issues. So you can get information on vaccinations and childhood illnesses.

Our 24/7 health support line provides ongoing support for you and your family. Just call 0800 003 004.

Our nurses and counsellors are available 24/7. Our pharmacists and midwives are available: 8am-8pm Monday to Friday, 8am-4pm Saturday and 8am-12pm Sunday.

Making a claim, please call AXA Health on 03301 025 503

1. When your child’s GP says they need to see a specialist or have more treatment, ask the GP for an open referral

If the child’s GP says they need specialist treatment, tell them you want the child to go private and ask for an ‘open referral’.

With an open referral the GP advises the type of specialist the child needs treatment from but doesn’t name a particular specialist. This means our specialist appointment booking service can source specialists for you.

In some cases there will not be a private hospital with the necessary pediatrics facilities within a reasonable distance. In those cases we can pay for treatment that is covered to be provided privately at an NHS hospital.

2. Call us before the child sees the specialist

Call us as soon as the child has seen their GP.

It’s important you call us before the child sees the specialist or has any treatment so that we can tell you what they’re covered for. This will mean you don’t end up having to pay for costs that you’re not expecting.

Please help us by having the open referral information from the child’s GP to hand when you call. Occasionally, if we don’t have enough information to choose a specialist, we may ask for additional information from the GP and/or a copy of the open referral letter.

3. We’ll check the cover and let you know what happens next

We’ll check the treatment is covered by the plan, and help you find a suitable specialist.

We may ask you to provide more information, for example from the GP or specialist. You, the child, the GP or the specialist must provide us with the information we ask for by the date that we ask for it or we may not be able to cover the claim. Any costs that a GP charges for this additional information is not covered by your policy.

If the child needs further treatment, please call us first.

Specialist appointment booking service

We have a team who can source a fee-approved specialist. Our service is available if the child’s GP has given an ‘open referral’, meaning they don’t give a specialist’s name, just the type of specialist the child needs to see.

What if the child’s GP refers them to a named specialist?

Simply give us a call and we’ll help from there.

Second opinion service

If you would like a second opinion from another specialist, please call us and we can discuss the options with you.

In all cases we may record and/or monitor calls for quality assurance, training and as a record of our conversation.

Cancelling a membership within 21 days of joining

Your child’s membership can be cancelled before membership begins or within 21 days of the date your child’s membership began. It is your responsibility as the child’s parent/legal guardian to contact your child’s school to request the membership is cancelled. Provided no claims have been made by the child, a full refund of the subscription paid for that School Term will be payable. If the child has made a claim during the 21-day period, no refund will be payable.

Cancelling a membership after 21 days of joining

If your child needs to be removed from the group policy after 21 days of joining, you should notify your school scheme administrator. The school will remain liable for any premiums owed for children that we have not been informed are leaving in advance of each Term Cut-off Date.

Should your child leave the school part way through a school term, cover will continue to the end of the current school term. No refunds are payable in relation to the School Term for which the Pupil was insured.

If your child is leaving, we can usually offer continuation of cover options via an AXA Health personal plan. As the child’s parent/legal guardian you can call us on 0800 521 872 to discuss this. If your child transfers to an AXA Health personal plan we may be able to continue cover for an existing medical condition, subject to this being covered by their new plan. This underwriting option is available for a limited time (within 120 days) after they leave their current healthcare scheme.

Cover is provided under our agreement with the school. However, we do give all members full access to the complaint resolution process.

Our aim is to make sure members are always happy with their membership. If things do go wrong, it’s important to us that we put things right as quickly as possible.

If you want to make a complaint, you can call us or write to us using the contact details below.

To help us resolve your complaint, please give us the following details:

Your child’s name and membership number,
a contact telephone number,
the details of your complaint,
any relevant information that we may not have already seen.

Please call us on 03301 025 503.

Or write to:

AXA Health, International House, Forest Road, Tunbridge Wells, Kent, TN2 5FE

Answering your complaint

We’ll respond to your complaint as quickly as we can.

If we can’t get back to you straight away, we’ll contact you within five working days to explain the next steps.

We always aim to resolve things within eight weeks from when you first told us about your concerns. If it looks like it will take us longer than this, we will let you know the reasons for the delay and regularly keep you up to date with our progress.

The Financial Ombudsman Service

You may be entitled to refer your complaint to the Financial Ombudsman Service. The ombudsman service can liaise with us directly about your complaint and if we can’t respond fully to a complaint within eight weeks, or if you’re unhappy with our final response, you can ask the Financial Ombudsman Service for an independent review.

The Financial Ombudsman Service
Exchange Tower
Harbour Exchange Square
London
E14 9SR

Phone: 0300 123 9123 or 0800 023 4567 (These numbers may not be available from outside the UK – so from abroad please call +44 20 7964 0500)

Email: complaint.info@financial-ombudsman.org.uk

Website: financial-ombudsman.org.uk

Your legal rights

None of the information in this section affects your legal rights.

AXA PPP healthcare Limited is a participant in the Financial Services Compensation Scheme (FSCS). The Scheme may act if it decides that an insurance company is in such serious financial difficulties that it may not be able to honour its contracts of insurance. It may do this by:

providing financial assistance to the insurer
transferring policies to another insurer
paying compensation.

The Scheme was established under the Financial Services and Markets Act 2000 and is administered by the Financial Services Compensation Scheme Limited. You can find more information about the scheme on the FSCS website: fscs.org.uk.

Member documents

Parents/legal guardians of existing members of the AXA Health Pupils' Healthcare scheme can find their child’s policy literature here.

For the policy year 1 September 2025 to 31 August 2026, these are your relevant documents:

If your child was a member covered on the same plan, between 1 September 2024 to 31 August 2025, please refer here to your previous year's product information for comparison of cover:

AXA Health Pupils Healthcare Scheme handbook

If you would like alternative formats of these documents or should you have any queries about your membership documentation, please contact your school scheme administrator or us directly through either email - Pupilshealth@thephc.co.uk or telephone – 01923 770 000.

Welcome

Welcome to the AXA Health Pupils' Healthcare Scheme for Performing Arts.

Below you can find useful and important information, we hope that your child remains healthy and well during the term and you enjoy the peace of mind in knowing that eligible medical diagnostics, treatment and support is at hand should it be needed.

What’s covered by the AXA Health Pupils Healthcare Scheme for Performing Arts

Your scheme has a mandatory excess for the first £100 of eligible claims each year.

IF YOUR CHILD IS AN IN-PATIENT OR DAY-PATIENT
Private hospital and day-patient fees	Paid in full	At a hospital or day-patient unit in our Directory of Hospitals.
Hospital accomodation for one adult while your child is in hospital whilst they are having eligible treatment	Paid in full	Covers the cost of one adult staying in the hospital with your child.
Hotel accomodation for one adult while your child is in hospital	Up to £100 a night up to £500 a year	Covers towards the costs for one adult to stay near to the private hospital where your child is having eligible treatment.
Specialist fees	No yearly limit	Includes fees for: surgeons \| anaesthetists \| physicians
Cash payment if the child uses a hospital or day-patient unit that’s not in the Directory of Hospitals.	£100 a night for in-patient treatment, £100 a day for day-patient treatment	We will only pay this when: • the treatment would have been covered by the plan • we are not paying for the treatment.
IF YOUR CHILD IS AN OUT-PATIENT
Surgery	No yearly limit	At a facility listed in our Directory of Hospitals.
CT, MRI or PET scans	Paid in full	At a facility listed in our Directory of Hospitals.
Cash payment if the child has a private CT, MRI or PET scan at a hospital or day-patient unit that is not in the Directory of Hospitals	£100 each visit	If the child has a private CT, MRI or PET scan at a scanning centre that is not in the Directory of Hospitals.
Specialist consultations, diagnostic tests and practitioner fees when your child's specialist refers them	No yearly limit	Practitioners are nurses, dieticians, orthoptists, speech therapists, audiologists, psychotherapists or psychologists.
Fees for out-patient treatment by physiotherapists, acupuncturists, osteopaths or chiropractors	Up to a combined overall maximum of 20 sessions in a year when the child’s GP refers them for acupuncture, osteopathy or chiropractic treatment. GP referral is not necessary for physiotherapy treatment but the session limit still applies.Further sessions when the child’s specialist refers them as long as we agree them first.	We refer to physiotherapists, osteopaths and chiropractors as 'therapists'.
MENTAL HEALTH - IF YOUR CHILD IS AN IN-PATIENT OR DAY-PATIENT
Private hospital and day-patient unit fees for mental health treatment	Paid in full up to 45 days a year	So long as your child uses a hospital or day-patient unit in our Directory of Hospitals. Including fees for; accomodation \| diagnostic tests \| drugs.
Cash payment if the child uses a hospital or daypatient unit that is not in the Directory of Hospitals	£100 a night for in-patient treatment £100 a day for day-patient treatment Up to a combined maximum of 45 days a year	We will only pay this when: • the treatment would have been covered by the plan • we are not paying for the treatment
Specialist fees for mental health treatment	No yearly limit
MENTAL HEALTH - IF YOUR CHILD IS AN OUT-PATIENT
Specialist consultations	No yearly limit
Mental health treatment by psychologists and psychotherapists when a recognised specialist refers them	Up to 4 sessions on the referral of the child’s GP. If the child needs more than 4 sessions then they will need to be referred by a specialist
ADDITIONAL BENEFITS
Cash payment when your child has free NHS inpatient treatment that would have been covered by their scheme	£50 a night up to £1,000 each year	Admitted for in-patient treatment before midnight and if we would have covered the treatment if they had had it privately.
Oral surgery	Paid in full so long as the child uses a facility that we have an agreement with covering oral surgery	So long as the child’s dentist refers them, we will pay for: • reinserting the child’s own teeth after a trauma; or • surgical removal of impacted teeth, buried teeth and complicated buried roots; or • removal of cysts of the jaw (sometimes called enucleation).
Ambulance transport	Paid in full	If the child is having private in-patient or day-patient treatment and it is medically necessary to use a road ambulance to transport them to another medical facility

Cancer cover and care

The scheme includes cover for cancer including chemotherapy, radiotherapy, diagnostic tests and surgery.

The main things we don’t cover

Like all health insurance schemes, there are a few things that are not covered.
We’ve listed the most significant things here, but please also see the details in the scheme handbook.

Treatment of ongoing, recurrent and long-term conditions (chronic conditions).
Treatment received outside the UK.
Private GP fees.
Health checks and dental treatment.
Learning and development disorders.
Fees for specialists who aren’t recognised by AXA Health or charge above our agreed rates.
Any costs incurred once your child’s cover has ended, even if they were pre-authorised, or the condition began when your child was included.

The details given are a summary of the scheme. Full details of the cover available, including what is and isn’t covered, are given in the membership handbook.

Once your child is a AXA Health Pupils’ Healthcare Scheme for Performing Arts member, there are a few things you need to know. Firstly, any treatment your child is looking to have needs to be medically necessary. We recommend you inform us before any treatment to confirm your child’s cover.

Health Information, key contact and using the Policy

Here you'll find important information about your child’s policy, how to use and contact details.

Up to the age of 16, as the parent/legal guardian, you have control over your child’s healthcare cover, including access to their medical information and claims detail.

It's important to know that, when your child turns 16, they can have full control over their own medical care and information.

This means that we won’t be allowed to share their medical information or claims details with you unless they give their permission.

If you get in touch to make a claim on your child’s behalf, we’d need their consent before we could discuss anything with you.

Imagine having a health professional in the family - someone you could call anytime and they'd have time to listen, reassure and explain in words you understand.

That’s exactly what our 24/7 health support line is here for. You and your family can call our health professionals any time of the day or night. Our team of health professionals, including nurses, midwives, counsellors, pharmacists and dieticians have experience in child health issues. So you can get information on vaccinations and childhood illnesses.

Our 24/7 health support line provides ongoing support for you and your family. Just call 0800 003 004.

Our nurses and counsellors are available 24/7. Our pharmacists and midwives are available: 8am-8pm Monday to Friday, 8am-4pm Saturday and 8am-12pm Sunday.

Making a claim, please call AXA Health on 03301 025 503

1. When your child’s GP says they need to see a specialist or have more treatment, ask the GP for an open referral

If the child’s GP says they need specialist treatment, tell them you want the child to go private and ask for an ‘open referral’.

2. Call us before the child sees the specialist

Call us as soon as the child has seen their GP.

3. We’ll check the cover and let you know what happens next

We’ll check the treatment is covered by the plan, and help you find a suitable specialist.

If the child needs further treatment, please call us first.

Specialist appointment booking service

What if the child’s GP refers them to a named specialist?

Simply give us a call and we’ll help from there.

Second opinion service

If you would like a second opinion from another specialist, please call us and we can discuss the options with you.

In all cases we may record and/or monitor calls for quality assurance, training and as a record of our conversation.

Your child’s cover has a mandatory excess for the first £100 of eligible claims each year. Here is how the excess works:

We will take your child’s excess off the amount covered by the plan for the first claim for the child in each membership year.

If your child’s claim is for a treatment that has a limit we will apply the limit before we take the excess off.

Even if your child’s treatment costs less than the excess, please tell us about it so we can make sure we take this into account if you make a claim for your child again.

We only take the £100 excess off once each year. So even if you make a claim for your child several times we will only take the excess off once. It doesn’t matter if you claim several times for the same medical condition or for several medical conditions.

If your child’s claim goes over the renewal, we’ll take the excess off the amount we pay for your child’s claim before renewal, then we’ll take the excess off the amount we pay for your child’s claim after the renewal.

Cancelling a membership within 21 days of joining

Cancelling a membership after 21 days of joining

Cover is provided under our agreement with the school. However, we do give all members full access to the complaint resolution process.

Our aim is to make sure members are always happy with their membership. If things do go wrong, it’s important to us that we put things right as quickly as possible.

If you want to make a complaint, you can call us or write to us using the contact details below.

To help us resolve your complaint, please give us the following details:

Your child’s name and membership number,
a contact telephone number,
the details of your complaint,
any relevant information that we may not have already seen.

Please call us on 03301 025 503.

Or write to:

AXA Health, International House, Forest Road, Tunbridge Wells, Kent, TN2 5FE

Answering your complaint

We’ll respond to your complaint as quickly as we can.

If we can’t get back to you straight away, we’ll contact you within five working days to explain the next steps.

The Financial Ombudsman Service

The Financial Ombudsman Service
Exchange Tower
Harbour Exchange Square
London
E14 9SR

Phone: 0300 123 9123 or 0800 023 4567 (These numbers may not be available from outside the UK – so from abroad please call +44 20 7964 0500)

Email: complaint.info@financial-ombudsman.org.uk

Website: financial-ombudsman.org.uk

Your legal rights

None of the information in this section affects your legal rights.

providing financial assistance to the insurer
transferring policies to another insurer
paying compensation.

Member documents

Parents/legal guardians of existing members of the AXA Health Pupils' Healthcare for Performing Arts scheme can find their child’s policy literature here.

For the policy year 1 September 2025 to 31 August 2026, these are your relevant documents:

If your child was a member covered on the same plan, between 1 September 2024 to 31 August 2025, please refer here to your previous year's product information for comparison of cover:

AXA Health Pupils Healthcare for Performing Arts Scheme handbook

Welcome and thank you for considering the AXA Health Pupils' Healthcare scheme cover for your child.

Here you'll find valuable information to help you understand and decide whether the heathcare cover is right for you and your child. This includes useful information about the cover, how to make a claim under the cover and how to make a complaint, as well as your important policy literature.

Please select from the following two options, dependent upon which scheme your school provides access to:

Welcome

Welcome to the main AXA Health Pupils' Healthcare Scheme.

What’s covered by the AXA Health Pupils Healthcare Scheme

The feeling your child is in a safe pair of hands is reassuring in a difficult time. If your child is unwell and their GP recommends further treatment, their Pupils' Healthcare Scheme membership will aim to make the experience easier and less stressful through:

Cover for an adult to stay with your child in hospital when they are receiving inpatient treatment, even though the parent is not an AXA Health member.
Hotel accommodation benefit of up to £100 a night, up to £500 a year in addition to the parent accommodation benefit.
Treatment by experts in their field, so you can be confident your child will receive appropriate treatment and care.
Covering conditions that were present before the membership started (subject to the condition being eligible under the terms & conditions of the plan).
Cover outside of school hours and term times, providing treatment is in the UK.

IF YOUR CHILD IS AN IN-PATIENT OR DAY-PATIENT
Private hospital and day-patient fees	Paid in full	At a hospital or day-patient unit in our Directory of Hospitals.
Hospital accomodation for one adult while your child is in hospital whilst they are having eligible treatment	Paid in full	Covers the cost of one adult staying in the hospital with your child.
Hotel accomodation for one adult while your child is in hospital	Up to £100 a night up to £500 a year	Covers towards the costs for one adult to stay near to the private hospital where your child is having eligible treatment.
Specialist fees	No yearly limit	Includes fees for: surgeons \| anaesthetists \| physicians
Cash payment if the child uses a hospital or day-patient unit that’s not in the Directory of Hospitals	£100 a night for in-patient treatment, £100 a day for day-patient treatment	We will only pay this when: • the treatment would have been covered by the plan • we are not paying for the treatment.
IF YOUR CHILD IS AN OUT-PATIENT
Surgery	No yearly limit	At a facility listed in our Directory of Hospitals.
CT, MRI or PET scans	Paid in full	At a facility listed in our Directory of Hospitals.
Cash payment if the child has a private CT, MRI or PET scan at a hospital or day-patient unit that is not in the Directory of Hospitals	£100 each visit	If the child has a private CT, MRI or PET scan at a scanning centre that is not in the Directory of Hospitals.
Specialist consultations, diagnostic tests and practitioner fees when your child's specialist refers them	No yearly limit	Practitioners are nurses, dieticians, orthoptists, speech therapists, audiologists, psychotherapists or psychologists.
Fees for outpatient treatment by physiotherapists, acupuncturists, osteopaths or chiropractors	No yearly limit on fees up to a combined overall maximum of 10 sessions in a year when your child's GP refers them	We refer to physiotherapists, osteopaths and chiropractors as 'therapists'.
MENTAL HEALTH - IF YOUR CHILD IS AN IN-PATIENT OR DAY-PATIENT
Private hospital and day-patient unit fees for mental health treatment	Paid in full up to 45 days a year	So long as your child uses a hospital or day-patient unit in our Directory of Hospitals. Including fees for; accomodation \| diagnostic tests \| drugs.
Cash payment if the child uses a hospital or day-patient unit that is not in the Directory of Hospitals	£100 a night for in-patient treatment £100 a day for day-patient treatment Up to a combined maximum of 45 days a year	We will only pay this when: • the treatment would have been covered by the plan • we are not paying for the treatment
Specialist fees for mental health treatment	No yearly limit
MENTAL HEALTH - IF YOUR CHILD IS AN OUT-PATIENT
Specialist consultations	No yearly limit
Mental health treatment by psychologists and psychotherapists when a recognised specialist refers them	Up to 4 sessions on the referral of the child’s GP. If the child needs more than 4 sessions then they will need to be referred by a specialist
ADDITIONAL BENEFITS
Cash payment when your child has free NHS In-patient treatment that would have been covered by their scheme	£50 a night up to £1,000 each year	Admitted for in-patient treatment before midnight and if we would have covered the treatment if they had had it privately.
Oral surgery	Paid in full so long as the child uses a facility that we have an agreement with covering oral surgery	So long as the child’s dentist refers them, we will pay for: • reinserting the child’s own teeth after a trauma; or • surgical removal of impacted teeth, buried teeth and complicated buried roots; or • removal of cysts of the jaw (sometimes called enucleation).
Ambulance transport	Paid in full	If the child is having private in-patient or day-patient treatment and it is medically necessary to use a road ambulance to transport them to another medical facility

Cancer cover and care

The scheme includes cover for cancer including chemotherapy, radiotherapy, diagnostic tests and surgery.

The main things we don’t cover

Like all health insurance schemes, there are a few things that are not covered.
We’ve listed the most significant things here, but please also see the details in the scheme handbook.

Treatment of ongoing, recurrent and long-term conditions (chronic conditions).
Treatment received outside the UK.
Private GP fees.
Health checks and dental treatment.
Learning and development disorders.
Fees for specialists who aren’t recognised by AXA Health or charge above our agreed rates.
Any costs incurred once your child’s cover has ended, even if they were pre-authorised, or the condition began when your child was covered by the scheme.

The details given are a summary of the scheme. Full details of the cover available, including what is and isn’t covered, are given in the membership handbook.

Health Information, key contact and using the Policy

Here you will find important information about your child’s policy, how to use and contact details.

The AXA Health Pupils’ Healthcare Scheme gives you the peace of mind that should your child become ill, which is an already stressful time, they have fast access to treatment and care for eligible conditions. Cover is available for only £158 per child for each term (£474 per school year) during the membership year 1 September 2025 to 31 August 2026. This includes Insurance Premium Tax (IPT), however AXA Health reserve the right to amend the charge if IPT increases.

Should you decide that you require cover for your child, the cost will be added to your child’s term fees and collection will be arranged by your child’s school. For more information, please discuss with your school’s scheme administrator.

Once cover has commenced it will continue as long as your child remains at the school, the premium continues to be paid and the school continues in the Scheme.

Up to the age of 16, as the parent/legal guardian, you have control over your child’s healthcare cover, including access to their medical information and claims detail.

It's important to know that, when your child turns 16, they can have full control over their own medical care and information.

This means that we won’t be allowed to share their medical information or claims details with you unless they give their permission.

If you get in touch to make a claim on your child’s behalf, we’d need their consent before we could discuss anything with you.

Imagine having a health professional in the family - someone you could call anytime you have a health worry, big or small.

That’s exactly what our 24/7 health support line is here for. You and your family can call our health professionals any time of the day or night. Our team of health professionals, including nurses, midwives, counsellors and pharmacists have experience in child health issues. So you can get expert information on vaccinations and childhood illnesses.

Our 24/7 health support line provides ongoing support for you and your family.

*Our nurses and counsellors are available 24/7. Our pharmacists and midwives are available: 8am-8pm Monday to Friday, 8am-4pm Saturday and 8am-12pm Sunday.

Making a claim, please call AXA Health on 03301 025 503

1. Ask the child’s GP for an open referral

If the child’s GP says they need specialist treatment, tell them you want the child to go private and ask for an ‘open referral’.

2. Call us before the child sees the specialist

Call us as soon as the child has seen their GP.

3. We’ll check the cover and let you know what happens next

We’ll check the treatment is covered by the plan, and help you find a suitable specialist.

If the child needs further treatment, please call us first.

Specialist appointment booking service

We have a team who can help find a fee-approved specialist. Our service is available if the child’s GP has given an ‘open referral’, meaning they don’t give a specialist’s name, just the type of specialist the child needs to see.

What if the child’s GP refers them to a named specialist?

Simply give us a call and we’ll help from there.

Second opinion service

If you would like a second opinion from another specialist, please call us and we can discuss the options with you.

In all cases we may record and/or monitor calls for quality assurance, training and as a record of our conversation.

Cancelling a membership within 21 days of joining

Cancelling a membership after 21 days of joining

Cover is provided under our agreement with the school. However, we do give all members full access to the complaint resolution process.

Our aim is to make sure members are always happy with their membership. If things do go wrong, it’s important to us that we put things right as quickly as possible.

If you want to make a complaint, you can call us or write to us using the contact details below.

To help us resolve your complaint, please give us the following details:

Your child’s name and membership number
a contact telephone number
the details of your complaint
any relevant information that we may not have already seen.

Please call us on 03301 025 503.

Or write to:

AXA Health, Nightingale House, Redland Hill, Redland, Bristol BS6 6SH

Answering your complaint

We’ll respond to your complaint as quickly as we can.

If we can’t get back to you straight away, we’ll contact you within five working days to explain the next steps.

The Financial Ombudsman Service

The Financial Ombudsman Service

Exchange Tower

Harbour Exchange Square

London

E14 9SR

Phone: 0300 123 9123 or 0800 023 4567 (These numbers may not be available from outside the UK – so from abroad please call +44 20 7964 0500)

Email: complaint.info@financial-ombudsman.org.uk

Website: financial-ombudsman.org.uk

Your legal rights

None of the information in this section affects your legal rights.

AXA health is a participant in the Financial Services Compensation Scheme (FSCS). The Scheme may act if it decides that an insurance company is in such serious financial difficulties that it may not be able to honour its contracts of insurance. It may do this by:

providing financial assistance to the insurer
transferring policies to another insurer
paying compensation.

Member documents

Parents/legal guardians of existing members of the AXA Health Pupils' Healthcare scheme can find their child’s policy literature here.

For the policy year 1 September 2025 to 31 August 2026, these are your relevant documents:

Welcome

Welcome to the AXA Health Pupils' Healthcare for Performing Arts Scheme information and support online resource centre.

What’s covered by the AXA Health Pupils Healthcare for Performing Arts Scheme

The feeling your child is in a safe pair of hands is reassuring in a difficult time. If your child is unwell and their GP recommends further treatment, their AXA Health Pupils' Healthcare for Performing Arts Scheme membership will aim to make the experience easier and less stressful through:

Cover for an adult to stay with your child in hospital when they are receiving inpatient treatment, even though the parent is not an AXA Health member.
Hotel accommodation benefit of up to £100 a night, up to £500 a year in addition to the parent accommodation benefit.
Treatment by experts in their field, so you can be confident your child will receive appropriate treatment and care.
Covering conditions that were present before the membership started (subject to the condition being eligible under the terms & conditions of the plan).
Cover outside of school hours and term times, providing treatment is in the UK.

IF YOUR CHILD IS AN IN-PATIENT OR DAY-PATIENT
Private hospital and day-patient fees	Paid in full	At a hospital or day-patient unit in our Directory of Hospitals.
Hospital accomodation for one adult while your child is in hospital whilst they are having eligible treatment	Paid in full	Covers the cost of one adult staying in the hospital with your child.
Hotel accomodation for one adult while your child is in hospital	Up to £100 a night up to £500 a year	Covers towards the costs for one adult to stay near to the private hospital where your child is having eligible treatment.
Specialist fees	No yearly limit	Includes fees for: surgeons \| anaesthetists \| physicians
Cash payment if the child uses a hospital or day-patient unit that’s not in the Directory of Hospitals	£100 a night for in-patient treatment, £100 a day for day-patient treatment	We will only pay this when: • the treatment would have been covered by the plan • we are not paying for the treatment.
IF YOUR CHILD IS AN OUT-PATIENT
Surgery	No yearly limit
CT, MRI or PET scans	Paid in full	At a facility listed in our Directory of Hospitals.
Cash payment if the child has a private CT, MRI or PET scan at a hospital or day-patient unit that is not in the Directory of Hospitals	£100 each visit	If the child has a private CT, MRI or PET scan at a scanning centre that is not in the Directory of Hospitals.
Specialist consultations, diagnostic tests and practitioner fees when your child's specialist refers them	No yearly limit	Practitioners are nurses, dieticians, orthoptists, speech therapists, audiologists, psychotherapists or psychologists.
Fees for outpatient treatment by physiotherapists, acupuncturists, osteopaths or chiropractors	No yearly limit on fees up to a combined overall maximum of 20 sessions in a year when your child's GP refers them	We refer to physiotherapists, osteopaths and chiropractors as 'therapists'.
MENTAL HEALTH - IF YOUR CHILD IS AN IN-PATIENT OR DAY-PATIENT
Private hospital and day-patient unit fees for mental health treatment	Paid in full up to 45 days a year	So long as your child uses a hospital or day-patient unit in our Directory of Hospitals. Including fees for; accomodation \| diagnostic tests \| drugs.
Cash payment if the child uses a hospital or day-patient unit that is not in the Directory of Hospitals	£100 a night for in-patient treatment £100 a day for day-patient treatment Up to a combined maximum of 45 days a year	We will only pay this when: • the treatment would have been covered by the plan • we are not paying for the treatment
Specialist fees for mental health treatment	No yearly limit
MENTAL HEALTH - IF YOUR CHILD IS AN OUT-PATIENT
Specialist consultations	No yearly limit
Mental health treatment by psychologists and psychotherapists when a recognised specialist refers them	Up to 4 sessions on the referral of the child’s GP. If the child needs more than 4 sessions then they will need to be referred by a specialist
ADDITIONAL BENEFITS
Cash payment when your child has free NHS In-patient treatment that would have been covered by their scheme	£50 a night up to £1,000 each year
Oral surgery	Paid in full so long as the child uses a facility that we have an agreement with covering oral surgery	So long as the child’s dentist refers them, we will pay for: • reinserting the child’s own teeth after a trauma; or • surgical removal of impacted teeth, buried teeth and complicated buried roots; or • removal of cysts of the jaw (sometimes called enucleation).
Ambulance transport	Paid in full	If the child is having private in-patient or day-patient treatment and it is medically necessary to use a road ambulance to transport them to another medical facility

Cancer cover and care

The scheme includes cover for cancer including chemotherapy, radiotherapy, diagnostic tests and surgery.

The main things we don’t cover

Like all health insurance schemes, there are a few things that are not covered.
We’ve listed the most significant things here, but please also see the details in the scheme handbook.

Treatment of ongoing, recurrent and long-term conditions (chronic conditions).
Treatment received outside the UK.
Private GP fees.
Treatment for normal ageing, for example puberty.
Health checks and dental treatment.
Learning and development disorders.
Fees for specialists who aren’t recognised or charge above our agreed rates.
All costs incurred once your child’s cover has ended, even if they were pre-authorised, or the condition began when your child was included.

The details given are a summary of the scheme. Full details of the cover available, including what is and isn’t covered, are given in the membership handbook.

Health Information, key contact and using the Policy

Here you'll find important information about your child’s policy, how to use and contact details.

The AXA Health Pupils’ Healthcare for Performing Arts Scheme gives you the peace of mind that should your child become ill, which is an already stressful time, they have fast access to treatment and care for eligible conditions. Cover is available for only £553 per child for each term (£1,659 per school year) during the membership year 1 September 2025 to 31 August 2026. This includes Insurance Premium Tax (IPT), however AXA Health reserve the right to amend the charge if IPT increases.