AXA Health Insurance Policy Review
AXA Health’s Personal Health policy is their flagship policy for domestic private medical insurance in the UK. The Personal Health core cover includes in-patient treatment as standard; clients also benefit from access to an extensive hospital network with over 250 hospitals nationwide. In additional to the core cover there are several other options available to choose from.
Things you may wish to consider
If you are looking for family healthcare cover and one or more members has had cancer treatment or follow-ups in the last five years before the join date, AXA will downgrade all members on the policy to NHS Cancer support. If you find yourself in this position, one solution is to split the policy up.
Claiming on AXA Health’s Therapies benefit doesn’t affect the No Claims Discount (NCD) at renewal.
AXA Health will load the members premium if, when joining AXA Health, the client has had any of the following in the last five years:
- Heart Conditions or Heart Problems
- Mental Health Conditions
AXA apply an increase the premium for anyone who has used nicotine products within the last two years.
At renewal AXA Health offer the option of a ‘claims buyback’. If the increase in your renewal exceeds the value of your claim you would have the option to pay the value of your claim and retain your no claims discount.
If you have a heart condition and were unable to change health insurers, AXA Health may be an option for you. If the condition is under control with medication and reviewed by your GP and not a cardiologist, then in most circumstances, you will be able to switch with no exclusions.
If you have made more than three claims in the last five years, you cannot switch to AXA Health.
AXA allow overage dependants to continue cover if they live at the same address as the policy holder.
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AXA Health Benefits
Pure Gym discounted membership
ActivePlus gives members discounts on hundreds of health and fitness products
Committed to our clients
AXA Personal Health Core Cover
These benefits are included with all AXA Health Personal Health policies.
In-patient and day patient treatment
Full cover for hospital fees including operating theatre costs, diagnostic tests, nursing care, drugs & dressing, and physiotherapy
Full cover for MRI, CT & PET scans
Outpatient surgery is covered in full
Comprehensive Cancer Cover
Full cover for in-patient, day patient and outpatient treatment and consultations relating to cancer
Full cover for chemotherapy and radiotherapy
Full cover for high-cost cancer drugs proven to treat cancer
External Prostheses up to £5,000 a year
Wigs, and head coverings up to £400 a year
NHS Cash Benefit
£50 a night up to £2,000 a year where you have treatment through the NHS where AXA would have covered your treatment privately
Full cover for a nurse to give antibiotics by intravenous drip at home
Paid in Full
Full cover for specified oral treatment
Hospital accommodation for one parent, and up to £100 a night towards a hotel (up to £500 a year), while your child is receiving eligible treatment and is under the age of 16
Correctional Ear Surgery
Full cover for one operation to correct prominent ears (bat ears) for a child aged 14 and under
Full cover to improve the look of a port-wine stain on the face of a child aged 14 and under
Up to six sessions a year when needed because of developmental delay for a child aged 14 and under
If you are concerned about NHS wait times, explore private health insurance options
AXA Personal Health Optional Extras
Standard Outpatient Cover or Full Outpatient Cover
Both outpatient benefits with AXA cover all specialist referred diagnostic tests in full. Standard outpatient cover covers 3 specialist consultations per policy year whereas Full outpatient cover has no yearly limit
Full cover for physiotherapy, chiropractic treatment, osteopathy, homeopathy, and acupuncturist. Up to a maximum of 10 GP referred sessions however if you’re referred by a specialist this is unlimited
Full cover for in-patient, day patient and outpatient treatment and consultations related to mental health
Dentist and Optician Cash Back
Dentist Fees – 80% of the cost up to £400 each year
Optician’s fees – 80% of the cost of prescribed glasses or contact lenses up to £200 each year
£25 a year towards the cost of an eye test
European or Worldwide Travel Cover
Cover for emergency medical expenses abroad. The travel cover also includes benefits like lost baggage, delayed flights, and lost passports. AXA Health’s Travel Cover is also Medical History Disregarded so pre-existing conditions would be covered even if they arose before the policy started. There is an option to include the Adventure Sports upgrade giving cover for hazardous activities such as paragliding and bungee-jumping
Up to £500 each year for face-to-face GP consultations
Pre agreed overseas treatment is covered up to the cost it would have been covered to in the UK
Access to any hospital, day-patient unit or scanning centre in the UK even if this is not listed in the Directory of Hospitals
Extra cover for Fee-limited specialists
Protected No Claims Discount
If you claim on your AXA Personal Health policy and your no claims discount is protected, then your no claims discount will remain the same at the following renewal. The following year you would not be eligible to protect your no claims discount
AXA Health offer a Guided Hospital Option. If included you would be able to use any hospital in the Directory of Hospitals however the consultant you see must be recognised by AXA and work within their fee guidelines
AXA Health Underwriting
AXA offer three underwriting options on their health policies:
- Full Medical Underwriting – where you disclose your medical history to AXA
- Moratorium Underwriting – doesn’t require you to declare your full medical history upfront. Instead, it excludes cover for any conditions for which you have had symptoms, advice or treatment during the past five years.
- Switch Underwriting – This is reserved for clients who have an existing medical insurance. Subject to a couple of medical questions AXA Health would continue your medical underwriting from the previous insurer.
There are over 250 hospitals on AXA’s list and more than 36,500 recognised consultants and other practitioners.