We’re here to help you bring out your best self. That means a healthy you – reassured that you can access the clinical expertise you need, whenever you need it. It means a confident you – up-to-date on the latest health, lifestyle and fitness information, and feeling fully supported in finding your own route to wellbeing. Whatever healthy looks like for you, we’re here to help you get there.

Our private health insurance plan, Personal Health, features and benefits available include:

  • Unlimited video or telephone consultations with AXA Doctor at Hand our online GP service (powered by Doctor Care Anywhere. Subject to availability and the Doctor Care Anywhere fair usage policy, not available on child-only policies)
  • Prompt access to specialists (when you choose an out-patient option)
  • Full in-patient and day-patient hospital fees cover (on specialist referral) including operating-theatre costs, nursing care, drugs and dressings, specialist fees, consultations, diagnostic tests, CT, MRI and PET scans and physiotherapy (at a hospital from our Directory of Hospitals)
  • Access to the latest licensed approved cancer drugs, on specialist referral, even if they aren’t available on the NHS (depending on your medical history and cover options chosen. Out-patient drugs are not covered by this plan)
  • Our support line, Health at Hand, with nurses and counsellors available 24/7 to answer any questions
  • Our Second Opinion Service giving you piece of mind (when you include an out-patient option with your plan)
  • Access to our free online Health Centres covering topics from allergies to mental health and ageing well

Tailor the level of cover you require

No two people are the same, and you should only pay for what you need.

With our private healthcare insurance you can easily tailor your cover to suit your requirements. Take a look to see some example cover options you can include in addition to our core cover:

  • Full out-patient cover with no limit on yearly tests, appointments, or consultations 
  • Standard out-patient Option with up to 3 specialist consultations a year
  • Dentist cashback of up to £400
  • Optician cashback of up to £200
  • Mental Health Option (subject to medical history)
  • Therapies such as physiotherapy, acupuncture, chiropractic, homoeopathy, and osteopathy with no yearly limit when recommended by a specialist
  • Extended cover to give you more choice of hospitals and overseas cover

These are optional cover choices, allowing you to build your ideal healthcare plan. Contact us today for details on what is and what is not covered on our plans.

What’s not covered

Here are the main things that aren’t covered as standard in our private health insurance:

  • Outpatient drugs’
  • Treatment of ongoing, recurrent and long-term conditions such as diabetes or asthma (we call these chronic conditions)
  • Treatment of medical conditions you had - or had symptoms of - before you joined
  • Treatment needed as a result of doing any sport for which you are paid, receive a grant or sponsorship, or are competing for prize money
  • Charges for treatment received outside of our Directory of Hospitals, unless you have our Extended Cover option
  • Pregnancy and childbirth

How much does private health insurance cost in Scotland?

Everyone’s different, so health cover will look different for everyone. The total cost of your private health insurance will depend on several factors. Things we consider include:

Age, smoker status, underlying conditions (such as chronic conditions), location, level of cover – you can expect prices to increase with every additional cover Option chosen.

To get an exact price for our private healthcare insurance in Scotland, get a quote.

Frequently asked questions

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This financial promotion is issued by AXA Health, a trading name of AXA Health Limited (Registered No. 12839134). AXA Health Limited is a wholly owned subsidiary of AXA PPP healthcare Group Limited and part of the global AXA Group. Underwritten by AXA PPP healthcare Limited (Registered No. 3148119). All of the companies are registered in England and Wales and have their registered office at 20 Gracechurch Street, London EC3V 0BG. AXA Health Limited is authorised and regulated by the Financial Conduct Authority. AXA PPP healthcare Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Nuffield Health gym membership & Hussle gym membership is not regulated by either the Financial Conduct Authority or the Prudential Regulation Authority. Write to us at: AXA Health, Phillips House, Crescent Road, Tunbridge Wells, Kent TN1 2PL. We may record and/or monitor calls for quality assurance, training and as a record of our conversation. For information about AXA Health, visit axahealth.co.uk/aboutaxahealth.