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, rather than a junior doctor or a registrar. You receive medical treatment in a private hospital, or the private wing of an NHS hospital. You have your treatment in comfort - your own room, an ensuite bathroom and 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 joint pain and other musculoskeletal issues (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 right 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 quickly.  The benefits of our private medical insurance, Personal Health, include:

  • Speedy 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 quickly so life can carry on as normal.
  • Access to our Fast Track Appointments service, giving you swift access to consultants and eligible treatment when you include an Out-patient option on your plan
  • 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 33,500 recognised consultants and other practitioners
  • Ask us anything you like about your health, anytime - Health@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).
  • Make changes that help you live a healthier life, from half-price gym membership, to health tests you can take at home with our health and wellbeing site, ActivePlus

Manage your private health insurance online

Member Online makes managing your membership easy. Just register using your AXA PPP healthcare 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 PPP healthcare 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.

Feefo 5 star gold trusted service rating for 2018Defaqto 5 star individual private medical insurance rating for 2019Awarded Best Direct Healthcare Provider for 2018 by YourMoney.com

The Defaqto 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 2018
  • Feefo Gold Trusted Merchant
  • Defaqto 5 Star Rating

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