AXA Health Insurance UK

The History of AXA Health

AXA PPP healthcare, or the London Associates as it was originally known, was conceived in 1938 as a health insurance scheme for middle income earners in London. In 1961, the name was changed to Private Patients Plan and by 1970 the member-base had grown to 367,000.

In the 1970s and 1980s the Company launched a number of ground-breaking initiatives including a Family Masterplan, Private Hospital Plan and Retirement Health Plan. In 1998 the Company was acquired by GRE, which was then acquired by Sun Life & Provincial Holdings (part of the AXA Group). Whilst on the acquisition trail AXA Group purchased the leading provider of occupational health services, Medical Industrial Services Ltd, which was re-branded AXA PPP Healthcare Occupational Health Services.

2001 saw the Company launch CommonSense, a packaged health and safety and occupational health product. To reflect this new ownership in 2002, it was renamed AXA PPP healthcare. As of October 2020, AXA’s health insurance (AXA PPP healthcare and Health-on-Line) and employee health and well-being support (Health Services/ICAS-UK) have united to form AXA Health.

AXA Health Insurance Policy Review

Personal Health is AXA Health’s private health insurance plan. It covers treatment for a wide range of conditions and surgery as an in-patient, as well as some out-patient treatment. In addition to the core cover there a number of optional added extras to enhance your cover.

AXA Health Core Cover

Included as a base to your cover with AXA Health Personal Health are the following benefits.

Benefit	Details
In-patient and day patient treatment	Full hospital fees including operating-theatre costs, nursing care, drugs and dressings, specialist fees, consultations, diagnostic tests, CT, MRI and PET scans and physiotherapy. Using a hospital from the AXA Health Directory of Hospitals.
Out-patient treatment	CT, MRI and PET scans at a scanning centre or hospital from AXA Health Directory of Hospitals Surgery – no yearly limit
Comprehensive Cancer Cover	Diagnostic surgery, CT, MRI and PET scans. Chemotherapy/radiotherapy. Support from dedicated cancer nurse. £100 a night hospice donation. External prostheses up to £5000 a year, wigs and head coverings up to £400 a year. Comprehensive cancer cover may not be available under certain circumstances such as medical history, and NHS cancer support would apply instead.
NHS Hospital Cash Benefit	A cash payment of £50 a night up to £2,000 a year when you have in-patient treatment free on the NHS
Home Nursing	A nurse to administer antibiotics by intravenous drip at home
Private Ambulance	Ambulance transport to another medical facility if you’re receiving private in-patient or day-patient treatment
Oral Surgery	For a number of procedures, paid in full
Parent Accommodation	Hospital accommodation for one parent staying in hospital with their child covered by the policy.
Laser treatment	Laser treatment to improve the look of a ‘port wine stain’ on the face of a child aged 14 and under
Speech Therapy	Six sessions of speech therapy needed for a child aged 14 and under as a result of a delay in their development
Free New-born Cover	Free cover on your plan for new-borns until your renewal date (cover restrictions may apply)

AXA Optional Extras

Additional optional extras are available to enhance your policy to suit your individual requirements:

Optional Benefit	Details
Full Out-patient cover	The standard out-patient option covers up to three specialist consultations a year. The full out-patient option has no yearly limit. There isn't a limit on diagnostic tests or practitioner charges when your specialist refers you, for either option.
Therapies Cover	Adds cover for out-patient treatment by physiotherapists, acupuncturists, homeopaths, osteopaths and chiropractors with no yearly limit on fees. Up to an overall maximum of 10 sessions in a year when your GP refers you, or when you have therapist treatment through the Working Body team
Mental Health	Extends cover to include mental health treatment as an in-patient or day-patient. Psychiatric treatment, including accommodation, diagnostic tests and drugs, paid in full at a hospital or day-patient unit in one of Axa's Directory of Hospitals. No yearly limit on specialist fees for psychiatric treatment.
Dentist and Optician Cash Back	Dentist’s fees – 80% of costs up to £400 each year Optician’s fees – 80% of the cost of prescribed glasses and contact lenses up to £200 each year £25 a year towards the cost of an eye test
Extended Cover	Includes cover of up to £500 for visits to a private GP for consultations, cover for hospitals outside the Directory of Hospitals, planned treatment overseas (when agreed in advance), and unlimited consultations every year with a Doctor@Hand+ GP.
European or Worldwide Travel Cover	Adds cover for emergency medical expenses abroad. Also includes cover for travel-related hassles like lost baggage, delays and lost passports. Plus personal accident cover and cover for on-piste skiing. And if you have the Worldwide Travel Cover, you’ll also have cover for emergency dental treatment and business travel. With the Adventure Sports upgrade, you can add cover for activities such as bungee-jumping and paragliding.

Factors that Impact the Pricing of AXA Health Insurance

As with all health insurance providers, AXA Health Insurance has a variety of factors that can impact the cost of your private health insurance, some in your control, some out of your control.

Here are some factors AXA consider when they create a quote for you:

Your age: Health insurance premiums typically rise as you age (see below for more information), particularly as you approach and enter retirement. It’s beneficial to secure insurance early to manage costs effectively.
Your employment status: Whether you're a student, in full-time employment, or happily retired will impact the price of your health insurance coverage.
Where you live: Urban residents often face higher medical treatment costs than those in rural areas, which can reflect in higher insurance premiums.
Cover level: At AXA, the scope of coverage you choose is a significant adjustable factor. Opting for a basic policy reduces costs, whereas a more comprehensive policy with additional features will be costlier.
Your excess: A higher excess generally lowers your premiums at AXA.
Consultant choice: AXA, like other leading insurers, offers options concerning consultant access. You can choose a restricted network for potential savings or opt for unrestricted access.
Hospital list: AXA has an approved list of hospitals you can attend. Costs vary across private hospitals, especially those in central London. Adding other hospitals outside of this list can cause costs.
No-claims discount: AXA provides a no-claims discount that grows with each claim-free year. The more years you have with no-claims, the cheaper your insurance might be, although there are other factors that can influence the cost of your policy.
Additional cover: Expanding your coverage to include add-ons such as mental health cover, dental cover, and therapy cover will increase your AXA premium.
Inflation and rising costs: The general increase in the cost of goods and services, including medical treatments, contributes to the annual rise in health insurance costs.
Your personal medical history: If you have pre-existing conditions, are a smoker, or live an unhealthy lifestyle, these factors may affect your policy costs.
Dependents: Adding family members such as your partner or your kids to your policy will increase the overall cost.

Understanding these factors can help you tailor your AXA health insurance policy to meet your needs while managing costs effectively. Remember, if you need an AXA quote, you can always reach out to our expert advisors who can talk you through your individual pricing.

Average AXA Health Insurance Pricing Across Various Age Groups in 2024

Your age is a very important factor in determining the cost of your AXA personal health insurance. As we grow older, our bodies often require more medical care and we may encounter additional health challenges.

Consequently, we’ve found that AXA health insurance for older people tends to be more expensive than for younger ones. It's important to also remember that AXA health insurance typically covers only new medical conditions that arise after you enrol in the AXA plan, and does not extend to pre-existing conditions.

Let’s take a look at the average cost of AXA health insurance by age in 2024 in the table below.

Average Cost of AXA Health Insurance in 2024

Applicants' Age	Monthly Premium
30-years-old	£40.59
40-years-old	£50.42
50-years-old	£65.59
60-years-old	£101.57
70-years-old	£164.58

AXA Health Insurance Cost For Families

For young or expanding families, getting family private health insurance with AXA is a smart move. It ensures that every family member, from the youngest to the oldest, can get quick and effective medical care without it being too costly. As well as this, having one policy for the whole family makes it easier to manage everything, including mental health cover, cancer cover, therapy cover, and dental care.

Investing in family health insurance with whichever provider you choose is a smart decision that keeps your loved ones healthy, making sure everyone can get quality private medical care when they need it.

Want to know how much AXA Health Insurance would cost for a family of three or four? Check the table below for our average rates for 2024.

How Much Does AXA Health Insurance Cost for a Family of 3?

Applicants' Age	Monthly Premium
30-years-old	£92.65
40-years-old	£112.31
50-years-old	£142.65
60-years-old	£214.61
70-years-old	£340.63

How Much Does AXA Health Insurance Cost for a Family of 4?

Applicants' Age	Monthly Premium
30-years-old	£103.47
40-years-old	£123.13
50-years-old	£153.47
60-years-old	£225.43
70-years-old	£351.45

AXA Health Insurance Cost For Couples

Choosing to get health insurance with your partner is a smart way to make sure you're both covered for any unexpected medical expenses. By opting for a joint health insurance plan from AXA, you might also enjoy discounts and benefits that aren't available with individual policies.

Wondering about the cost? The table below shows the average prices for couples' health insurance from AXA for you and your partner in 2024. It's a practical and cost-effective way to manage your healthcare needs together.

How Much Does AXA Health Insurance Cost for Couples?

Applicants' Age	Monthly Premium
30-years-old	£81.18
40-years-old	£100.84
50-years-old	£131.18
60-years-old	£120.38
70-years-old	£329.16

Disclaimer — *Prices based on a new moratorium policy mid-level 200 excess outside London, April 2024 start date.

Frequently Asked Questions

Do AXA cover cancer care?

AXA Personal Health cover cancer care as standard at a comprehensive level. They will cover the costs of your diagnosis and treatment, including drugs and procedures that may not be available on the NHS. Should you be medically advised to be treated at home, AXA will cover the costs of at-home chemotherapy.

Will My AXA policy cover my outpatient treatment?

AXA offer two outpatient options: Standard and Full cover. Standard cover provides unlimited diagnostic test and scans and up to three consultations per year. AXA Full cover option gives access to unlimited diagnostic tests, scans and specialist consultations.

Do AXA have any exclusions on their policies?

Like most leading insurers, AXA health insurance is intended to cover acute conditions as opposed to chronic conditions, such as diabetes – acute flare ups may be covered providing it is not excluded in the underwriting.

Do I need health insurance?

We are blessed in the UK to have a National Health Service, so health insurance is not a legal requirement. Health insurance provides the peace of mind however that should you require treatment you can access private health services and avoid NHS waiting times. We believe there is a policy to suit everyone. To read more, see our Guide to Health Insurance.

What are AXA’s excess options?

AXA’s excess options range from £100 to £5,000. The excess is only to be paid once per year, meaning you can have multiple claims but only have to pay your excess once. The excess options you choose will impact the premium you pay – the higher your excess, the lower the premium you pay will be.

Do AXA offer No Claims Discount?

AXA operates on a seventeen level no claims discount system with 80% being the maximum discount available. For each year you don’t make a claim on your policy, your discount increases by one level. Should you make a claim on your policy, your no claim discount will decrease by three levels.

Do AXA offer a Digital GP service?

AXA’s Doctor@Hand is a 24/7 remote digital GP service giving you access to both video and phone appointments with a registered GP. This service enables you to receive advice, referrals and prescription without having to wait for a GP appointment at your local surgery.

Why Compare Health & Life Insurance with us?

Here at Usay Compare, we can help you to compare prices and cover from the market leading UK health and life insurance companies such as Aviva, AXA and Bupa. Our service is completely free of charge and we are totally independent and impartial.

Our team of friendly, expert advisers are on the end of the phone, ready to guide you easily through the whole process. They will get to know your unique individual requirements, do all the hard work comparing prices and policies for you; then advise on the best and most cost-effective quote.

AXA Health Insurance