What is private health insurance?

When you choose private healthcare, you’re seen and treated quickly when you’re ill. The earlier you get help, the sooner you can start getting better.

You’ll see a consultant and receive medical treatment in a private hospital or the private wing of an NHS hospital. You'll have your treatment in comfort usually in your own room with an ensuite bathroom and, normally, with flexible visiting hours.

What’s more, you can access breakthrough treatments, including new cancer drugs, as soon as they’re licensed and proven to work (subject to medical history and cover options chosen. Out-patient drugs are not covered).

Private health insurance is a way of getting the benefits of private healthcare, without the worry of how you’re going to pay for it.

How health insurance helps you

Our health insurance, Personal Health, has been designed to help our members when they face major health issues like cancer, heart disease or stroke - as well as other medical conditions that can stop them getting on with their lives, such as muscles, bone and joint pain (subject to the cover chosen and medical history).

If you or someone else in your family falls ill while you’re a member, we’ll help you get the medical treatment quickly. It's our calling to care for you - we'll be there for you and your family when you need us most, covering you for new medical conditions that arise after you join.

We’ll be there for you when you need us most

If you fall ill while you’re a health insurance member, we’re here to help you get the treatment you need.  The benefits of our private medical insurance, Personal Health, include:

  • Access to diagnosis and eligible treatment. This is one of the key reasons that people buy health insurance cover - they want to get seen and treated so life can carry on as normal.
  • Get access to consultants and eligible treatment when you include an Out-patient option on your plan using our Fast Track Appointment service.
  • Access to the latest licensed approved cancer drugs even if they aren’t available on the NHS (subject to medical history and cover chosen. Out-patient drugs are not covered).
  • Over 250 hospitals within our Directory of Hospitals, with more than 36,500 recognised consultants and other practitioners.
  • Ask us anything you like about your health, anytime - Health at Hand is our support line with nurses and counsellors available 24/7 to answer any questions.
  • Enhanced family and children’s health insurance, including free cover for new-borns (available until the next plan renewal and cover limitations may apply).

Dental insurance

Your smile is one of the most important things about you. So it’s important to look after it. Our dental insurance will mean you can do just that. We’ve plans that will help you budget for routine examination as well as more extensive dental work so you can smile with confidence.

Health & Wellbeing

Our health and wellbeing centres offer you and your family helpful information about medical conditions and illnesses as well as lots of tips to inspire and support you to make better decisions around your lifestyle and wellbeing.

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.

Leaving your company health insurance scheme?

If you’ve been covered with AXA Health on a scheme provided by your employer, you (and any family member also covered on the scheme) could qualify for a personal plan with the option to continue without further medical underwriting (cover will be subject to the plan you choose).

Award-winning health insurance cover

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.

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