AXA Health Insurance Review
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What Is AXA?
AXA traces its roots back to its foundation as the London Association for Hospital Services in 1938. They released their first recognised health policy in 1943, which was the Hospital Service Plan (HSP).
When the NHS expanded healthcare to all free at the point of use, the company changed its name to Private Patients Plan (PPP). In 1999 PPP joined the AXA group.
We will be covering what AXA offer, along with answering some common questions we get about their cover to help you determine if AXA is the right provider for you.
Why Choose AXA Health Insurance
AXA’s private medical insurance policy provides all of these benefits:
- 24/7 remote GP access
- Access to cutting-edge cancer drugs and treatments
- Fast Track Physio Access
- 24/7 Helpline access to assist with smaller health concerns
- Dedicated heart and cancer nurses
- Access to exclusive gym offers and more
How Much Does AXA Health Insurance Cost?
The cost of health insurance depends on multiple factors, including age, postcode and your current health status, i.e. if there is anything existing health problems that could affect cover. Then there is also the level of cover you are after which will depend on how much it costs, for example the more optional extras you have the more expensive the cover will be.
What Does AXA Personal Healthcare Cover?
AXA health cover allows you to choose from four options and create the plan that’s right for you. Below we will highlight the four options of care that you can get from AXA.
Cancer Care
The personal healthcare cancer cover supports and offers a wide range of treatments for any diagnosis that you receive after you join the plan, these include:
- Get private surgery and drug treatment for cancer, making sure that you don’t have to wait for treatment, surgery or any medication.
- Access to the latest approved cancer drugs and treatments, including those that aren’t routinely available with the NHS. This is only available if referred by a specialist and the drugs you are being prescribed within the terms of its licence. However, outpatient drugs are not covered in this plan.
- Phone support from 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 preferred by the patient and if approved by the doctor allowing you to not worry about going in for treatment.
Inpatient & Day Patient Care
Personal healthcare cover gives you access to approved hospitals that are covered by AXA – even if you need to stay in the hospital just for a day. This allows you to relax and not worry about anything other than the procedure you are going in for. Here is what AXA covers when you go for a hospital visit:
- Offers surgery or other inpatient care fast and in the comfort of a private hospital, allowing
you to get the care you need when you need it. - Covers day patient tests and treatment allowing you to get the results and peace of mind
quickly from AXA approved hospitals. - Covers follow-up outpatient test and treatment that is advised by a specialist once you
leave the hospital even if you don’t have outpatient diagnosis and care, for example
physiotherapy. - Offers cash payment if you decide to use the NHS for treatment that is covered in your
plan, allowing you to still utilise the NHS when needed and not limit you to just private
hospitals.
Outpatient Diagnosis & Care
This cover aims to get you in front of a specialist quickly, allowing you to get answers soon to what
is happening and begin your healthcare journey ASAP. Here is what you can get from AXA as far as
outpatient cover and care:
- See a specialist fast, AXA help you get booked in with a specialist ASAP meaning you aren’t
waiting around to begin your healthcare journey, they can even book the appointment for
you, allowing you to fit the appointment in ASAP but also around your day-to-day life. - Get as many tests, scans and x-rays as you need, meaning you don’t have to worry about
extra costs for more tests, giving you peace of mind that the specialists have your best
interest in mind. - AXA also provides a second opinion with the cover, meaning you can rest assure that if you
need further reassurance, it is covered and allows you to do what is best for you. - Online support for muscles, bones and joints, without having a GP referral, allowing you to
get support for those nagging feelings in your body without having to go through the
process, allowing you to feel at your best while still living your life.
Mental Health Care
The mental health care cover gives you access to help for any mental illnesses that develop or
come up after you have joined the plan. One thing to note with mental health cover, unlike the
others, this isn’t a standalone option that you can have without the other care options. AXA offers
mental health care in addition to one of the other plans. AXA’s mental health cover contains:
- Access to talking therapies with a GP referral, allowing you to have a space you can talk
about what is going on with you thanks to a dedicated therapist to help you along your
journey. - Allows you to see a mental health specialist at hospitals along with getting inpatient care if
you need psychiatric treatment, helping you through your treatment and surgery if needed
while you are being treated in hospital. - No yearly limit on fees, allowing you to have peace of mind that treatment and care for
mental health will not get cut off when you might need it the most.
Why use Healthplan to Compare AXA With Other Health Insurers?
Looking for private health insurance? Healthplan makes it easy to compare quotes from trusted
providers like AXA, helping you find the right cover at the right price. Whether you’re after speedy
diagnosis, specialist treatments, or peace of mind with 24/7 GP access, we’ll guide you through
your options and make sure you’re getting great value.
Why Compare Health Insurance with Healthplan?
- Industry experts – our team has years of experience within the health insurance industry and
is fully equipped to get you the right cover - Tailored to you – We ask the right questions to recommend policies that suit your needs
and budget. - Easy quotes – No jargon, no pressure – just clear comparisons.
- Trusted providers – We only work with leading insurers, including AXA, Bupa, Aviva and
more.
Start comparing today to find out how AXA stacks up against other top providers – and discover the
best deal for your private health insurance.
I tried to sort private health myself first off, but it was a minefield of options – most of which I didn’t understand. They clearly explained all of the available options and gave guidance on which would suit my needs and which I probably didn’t need. Clear, concise and very helpful. Would recommend.
FAQs
How Can You Lower the Cost of AXA Health Insurance?
To lower the cost of your health insurance premium, you can have a higher excess which will lower your premium. You can also review your current cover and remove extras that you don’t use or no longer need.
Can I Switch My Existing Health Insurance Cover To AXA?
Yes, you can switch your provider to AXA, your existing cover will continue until AXA accept your application and you’ll be able to move it over so long as AXA accept your application.
How to Cancel AXA Health Insurance in the UK?
To cancel you will need to contact AXA customer support, we recommend you call as most insurance providers will only allow you cancel your insurance over the phone.
What Does AXA Not Cover?
Not every medical procedure or treatment is covered by AXA and it’s important to be aware of what isn’t covered. Here is what AXA doesn’t cover:
- Pre-existing conditions: AXA doesn’t cover conditions you have prior to taking out the insurance or experiencing symptoms before joining AXA.
- Chronic conditions: Ongoing, recurring, and long-term conditions are not covered by AXA however acute flare-ups may be covered if they aren’t excluded in the policy.
- Pregnancy & childbirth: Routine pregnancy and childbirth are not covered by AXA.
- Cosmetic surgery: Any procedure that involves improving your appearance isn’t covered by AXA.
- Dental & optical treatment: This is not covered in the health insurance with AXA.
Is AXA a Good Health Insurance Company?
AXA cover has great ratings when you look at independent review companies like Trustpilot where they have over 14,000 reviews with an average score of 4.1 along with 67% of all reviews being 5 stars. Despite some low review scores the company reach out to everyone who leaves a review and follows up with either help they can provide or tries to address any concerns, indicating their focus on customer service.
Additionally, AXA has also received a 5-star rating on Defaqto.. With AXA you get:
- Access to private healthcare facilities: Enjoy faster access to treatments at private hospitals and clinics.
- Reduced waiting times for treatments: Avoid lengthy NHS queues and receive care when you need it.
- Tailored coverage to suit individual needs: Choose a plan that matches your specific health requirements.
- Peace of mind for unexpected health issues: Rest assured knowing you’re covered for unforeseen medical emergencies.