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The AXA Health Plan

Build it.
Adapt it.
Use it your way, everyday.

Forget one-size-fits-all health plans. Now you can:

  • Simply pick and mix from four cover options
  • Have different cover for different family members
  • Include family members living at different addresses

Start a quote

Call us on 0800 169 7593

We're here until 6pm

Reward

Receive a £100 M&S gift card with a plan

Purchase your AXA Health Plan by 28 February 2025 and receive a £100 M&S gift card

Once you take out a private healthcare plan with us, you will be sent an email to redeem the gift card within 28 days of your annual payment or within 28 days of your second monthly payment. See terms and conditions below.

Own a UK-based business with a business bank account?

You could be eligible for our business healthcare cover

  • Cover 1 – 249 employees and family members
  • Range of services included as standard
  • Choose different cover options for groups of 3 or more employees
  • Start a business quote

  • Fast access to
    private healthcare

  • Online GP service

  • 24/7 health support line

Build your AXA Health Plan

Your new building blocks for better health

  • Outpatient diagnosis and care
  • Inpatient and day patient care
  • Cancer care
  • Mental health care
  • Health and wellbeing benefits and extras included as standard.

The AXA Health Plan equips you with the tools to build and adapt a health insurance plan that's personal to you and your family. All with the reassurance of fast access to private healthcare, along with health and wellbeing benefits and extras you can use every day.

as standard for all members over 18 Health and wellbeing benefits and extras included Grandpa Dad Mum Daughter

How the AXA Health plan works

Have it your way. The plan that fits around you and your family

  • Build it.

    Build your health plan in just a few simple steps.

    • Simply pick and mix to create your own combination from four cover options.
    • Create different combinations for family members you want to add – even if they live at another address.
    • You can buy Cancer care, Outpatient diagnosis and care or Inpatient and day patient care as standalone cover options so you can focus on what matters to you.

  • Adapt it.

    Flex your plan to suit each member’s needs.

    • Select your preferred level of excess for each member.
    • Choose between three specialist options.
    • Add or remove members if you need to.
    • Just tap to see exactly what you’re covered for and what you’re not in your online account.

  • Use it your way, every day.

    Get hands on with health and wellbeing benefits and extras you can use every day

    • Use our online GP service whenever you need it, as well as our 24/7 health support line.
    • Keep on top of your health with easy access to health checks.
    • Stay healthy and happy with discounted gym memberships and wellbeing services.

How it works

Build your own plan - choose from four options to create the plan that’s right for you

Standalone options include Outpatient diagnosis and care, Inpatient and day patient care and Cancer care. Mental health care must be selected with one of the other cover options. As with most insurance, there are some things we don’t cover under any care option. Key things your membership doesn’t cover.

Outpatient diagnosis and care

Designed to get you in front of a specialist fast, so you can start your healthcare journey quickly.

  • See a specialist fast – we can book the appointment for you.
  • Get as many tests, scans and x-rays as you need.
  • Get reassurance with our second opinion service.
  • Get support for muscles, bones and joints without a GP referral if you’re over 18.

Inpatient and day patient care

If you need to stay in hospital, even if it’s just for the day, this care option gives you access to a range of private hospitals.

  • Have surgery or other inpatient care fast, in the comfort of a private hospital.
  • Have day patient tests or treatment.
  • Get follow-up outpatient tests, treatment and physiotherapy that your specialist says you need after your treatment. If you choose 3 specialist consultations, follow-ups will come out of that limit.
  • Get a cash payment if you decide to use the NHS for treatment your plan would have covered.

Cancer care

Our Cancer care option gives you wide-ranging treatment and support after a new cancer diagnosis is given.

  • Get private surgery and drug treatment for cancer.
  • Access the latest licensed approved cancer drugs and treatments including some that aren’t routinely available on the NHS - when your specialist refers you.
  • Get phone support from our experienced cancer nurses and a dedicated case manager who’ll be a consistent point of contact to support you (and your family) throughout your treatment.
  • Receive chemotherapy at home if you wish, if your doctor thinks it’s appropriate.

Mental health care

Our Mental health care option gives you access to private healthcare for mental illness.

  • Access cognitive behavioural therapy (CBT) or other therapy with a GP referral.
  • See a specialist at hospital, or get inpatient care if you need psychiatric treatment.
  • No yearly limit on fees for psychiatric treatment.

As with most health insurance, there are some things we don’t cover under any care option. See what's not covered.

Everyday healthcare

Health and wellbeing benefits and extras for the everyday, every day

Get more from your membership with a range of services and tools to help you stay happy and healthy. Available to all members over 18.

  • Book an appointment with our online GP service at a time of day – or night – that suits you (subject to appointment availability). GPs are available 24/7 and Advanced Nurse Practitioners are available 8am to 10pm.
  • Diabetes and cholesterol blood assessment. Take this assessment at home for important information on your cholesterol and blood sugar levels
  • Chat a worry through with a mental health expert 24/7.
  • Get medical information fast from our 24/7 health support line. Nurses are available 24/7, midwives and pharmacists work to a schedule but will call you back.
  • Keep healthy with access to special members offers such as a fitness app or discounted gym memberships.

Your AXA Health plan

The plan that puts you first

Plenty of ways to control your costs and built-in features to make your membership work fairly.

  • More ways to control your costs

    Select a specialist network that suits your needs and your budget. Choose a different excess level for each member.

  • A fair no claims discount

    If you only claim a small amount, you'll keep more of your discount.

  • Fair excess that covers 12 months from your first treatment, regardless of your renewal date.

  • Over 250 approved hospitals across the UK.

Private health insurance

How the AXA Health Plan could work for you

We’ve created some examples of how the plan could work

  • Gavin wanted some reassurance for his whole family

    I wanted to know my family could get treatment without sitting on a waiting list for ages. And I wanted my mum to worry less too. So I built this plan to suit us. Ella and I have got all four options – we didn’t include Mental health care for Joshy as he’s only five. And then mum has cover for Inpatient. We use the online GP service a lot – we both work full-time so it’s good we can book appointments at the weekend. And we’ve both signed up for the gym again too – the discount makes a big difference. I feel happier knowing the cover is there if any of us need it.

  • Leila’s plan fits her budget

    I never thought I could afford health insurance, but the way this is set up, I can just have the bits I want. I worry about cancer – mum had it – so I just have the Cancer care option. So I know that if I ever get a cancer diagnosis, I can get treated privately. The online GP is brilliant - I paid for my antibiotics and got them sent to me in the post which saved me loads of hassle.

    It’s just an extra level of reassurance, without costing me too much.

Questions about our private health insurance

More questions?

    • The AXA Health Plan takes some of the worry out of accessing healthcare. It covers private treatment for new conditions, and includes access to our online private GP service.
    • You can see everything about what we do and don’t cover in the information we’ll give you before you buy.
    • You pay a monthly or yearly cost, and then if you become ill or have an accident, you can choose to use private healthcare, so long as it’s covered by your membership.
    • You usually start off by seeing a GP – that can be an NHS GP or a private one. Then if you need to see a specialist, you can get in touch with us and we’ll walk you through what you’re covered for.
    • If you choose an option that covers seeing a specialist or having hospital treatment, this will usually be in a private hospital – we cover hundreds across the UK. We can source the specialist and book the appointment for you.​

  • Private health insurance covers private treatment for new medical conditions – it’s not designed to cover conditions you already have symptoms of when you join. The treatment that’s covered will depend on the cover you choose – we offer a range of options so you can select what matters to you. For example, you could choose to have cover for:

    • seeing a specialist for your first visits to discuss diagnosis
    • inpatient or day patient treatment, including operations, in a private hospital
    • cancer treatment if you ever get a cancer diagnosis
    • help with mental health conditions.

    You can work out a combination that’s right for you – and choose different combinations for any family members too.

  • As with most insurance, there are some things we don’t cover under any care option:

    Chronic conditions

    • We don't cover treatment or monitoring of ongoing, recurring and long-term conditions (chronic conditions).

    Pregnancy and childbirth

    • We don't cover pregnancy or childbirth

    Dental or optical treatment

    • We don't cover dental procedures.
    • We don't cover services that a dentist or optician would usually carry out (primary care).

    Treatments, drugs and dressings

    • We don't cover fees for outpatient drugs, dressings and private prescriptions.
    • We don't cover services that a GP practice would usually carry out (primary care).
    • We don't cover preventative treatment or tests when there are no apparent symptoms.
    • We don’t cover therapeutic vaccines, even when they are part of treatment of an existing medical condition, including cancer.
    • We only cover treatment shown to be safe and effective by NICE, or by clinical trials that we recognise.
    • We only cover the approved Advanced Therapeutic Medicinal Products (medicines based on genes or tissues) listed on our website.

    You can see everything about what we do and don’t cover in the information we’ll give you before you buy.

  • Most health insurance, from any insurer, is designed to cover new medical conditions, not those you have already. So your cover for conditions that started before you joined will be limited.

    For the AXA Health plan, a moratorium means that for most people joining the AXA Health Plan, we won’t cover any condition you had symptoms of in the three years before you joined. This includes if you had symptoms of a condition that hadn’t been diagnosed. This will last until you’ve been a member for at least two years, and you’ve had at least two years in a row trouble-free from the condition. Trouble-free means you haven’t gone to a medical practitioner, had any treatment or advice, followed a special diet, or taken medication, including over-the-counter medication.

    As well as this rule, we also have specific rules for some conditions too - including:

    • chronic conditions – we'll only cover acute episodes, not long-term treatment.
    • cancer - we'll only cover new cancer, not cancer that you had at any point before you joined. This includes if the previous cancer comes back or spreads.
    • diabetes - we won’t cover diabetes or some other specified conditions.
    • raised PSA (Prostate Specific Antigen) - if you've had a raised PSA that has led to investigation, monitoring or treatment, we won't cover any prostate conditions.

  • If you are thinking of joining AXA Health, simply start a quote – it doesn’t take long, and we won’t ask tricky medical questions. You can also give us a call on 0800 169 7593.

    If you’re already with AXA Health, it’s easiest to contact us through your online account.

The AXA Health Plan

AXA Health: fresh thinking from a brand you can trust

Plenty of ways to control your costs, direct access to healthcare support that we know our members want, and built-in features to make your membership work fairly. All backed up by the things you’d expect from us: fast access to a network of clinical specialists and over 250 hospitals across the UK.

Start a quote

Terms & Conditions - AXA Health M&S voucher offer: Subject to these terms, when you (the “Customer”) purchase an Eligible Plan (as defined below), between 2nd January 2025 to 28th February 2025 (the “Offer Period”), the Customer will be sent a £100 M&S gift voucher, via email, subject to availability. The promoter of this offer is AXA PPP Healthcare Group Limited (registered number 03148346), whose registered office is at 20 Gracechurch Street, London EC3V 0BG. AXA Health, (“we” or “us”). We are a service company to AXA Health (as defined below), and both companies are part of the AXA Group. “AXA Group” means AXA UK Plc and its subsidiary companies, any holding company of AXA UK Plc and any subsidiary companies of such holding company, as such terms are defined in section 1159 of the Companies Act 2006. “AXA Health” means AXA PPP healthcare Limited. “Eligible Plan” means the (i) AXA Health Plan, (ii) Personal Health plan or, (ii) Health for You, individual UK private medical insurance plan underwritten by AXA PPP healthcare Limited. AXA Health marketing incentive: 1. To take advantage of this offer, the Customer must purchase an Eligible Plan, directly with AXA Group (not via a broker). 2. Subject to these terms, and following the purchase of an Eligible Plan, within the Offer Period, Buyapowa Ltd will email the Customers with a URL which will enable the Customers to each select their one gift via the Buyapowa Ltd website. Buyapowa Ltd will send the selected gift to the Customers. If the Customer has opted to pay monthly, the selected gift will, subject to successful payment of the first two months premium, be issued within 70 days of purchase of the Eligible Plan. If the Customer chooses to pay for the Eligible Plan annually, the selected gift will be sent within 28 days of receiving their full annual payment. The selected gift will be sent by email to the email addresses that the Customers provided when they registered on the Buyapowa Ltd website. 3. For this offer to apply, the Customer must: a. Be at least 18 years old; b. Purchase an Eligible Plan between the Offer Period; and c. The Customer must not, and cannot have in the last three months, been a member of any individual or corporate plan, policy or trust scheme underwritten or administered by AXA PPP healthcare Limited or AXA Health Services Limited. 4. There is only one Offer Period: Opening Date and Time 00:00 GMT, 2 January 2025. Closing Date and Time 23:59 GMT, 28 February 2025. 5. Any Eligible Plan purchased before or after the Offer Period, will not be eligible to receive a gift. 6. If the Customer fails to comply with these terms, they shall not be entitled to receive a gift. 7. This offer is non-transferable with no cash alternative. The offer is limited to one gift per policy and may be withdrawn at any time or substituted for an equivalent product. 8. The Customers personal data will be collected, stored and processed for the purposes of administering and assessing the offer. AXA Health will comply with all requirements of the Data Protection Act 2018. 9. AXA Health reserves the right to suspend, withdraw, cancel or amend this offer at any time without notice. 10. AXA Health is not liable for any gift that is lost, stolen, or unused unless these are caused by AXA Health’s negligence. 11. By taking advantage of this offer, the Customer agrees that AXA Health are not liable for any loss, damage or personal injury whatsoever suffered or sustained in connection with this offer or use of the gift (including but not limited to direct, indirect or consequential losses, loss of profit, income or goodwill), save for any liability which cannot be excluded by law (including fraud, gross negligence or for death or personal injury caused by our or our affiliates’ negligence). 12. AXA Health reserves the right to revise these terms and conditions at any time without giving prior notice and by continuing to take part in the promotion subsequent to any revision of these terms & conditions, the Customers shall be deemed to have agreed to any such new or amended terms. 13. The terms and conditions of the offer do not alter or vary the terms and conditions of any AXA policy which may be purchased. 14. If any of these clauses should be determined to be illegal, invalid or otherwise unenforceable then it shall be severed and deleted from these terms and the remaining clauses shall survive and remain in full force and effect. 15. This offer is subject to English Law and the exclusive jurisdiction of the English courts.