AXA Health Insurance Review
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AXA Health Insurance Review
AXA Health has a long history, beginning in 1938 as the London Association for Hospital Services, a private insurance program targeted at upper earnings in the London region. Private Patients Plan or AXA PPP became the new name for the business after the NHS made healthcare free for all. AXA PPP will become AXA Health in October 2020 after dropping the PPP from its name. Numerous awards were given to the company for its outstanding performance in its industry, particularly for its claims handling. It received a 4 out of 5-star rating from over 6,000 Trustpilot reviews
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Quick Overview
Being a member of the Axa Group, one of the UK’s top health insurers should give you confidence that you are working with a trustworthy and secure organisation. The Axa Group insured nearly 16 million individuals in the United Kingdom, indicating that the British people also put their trust in them. Also, AXA is rated five stars by Defaqto, the independent financial comparison service.
Our expert says…
“Private Medical Insurance is becoming increasingly more popular due to the longer waiting times through the NHS and most people assume PMI will not be affordable given the increased cost of living over the past 12 months. However, as an independent broker with access to the leading UK insurers such as Aviva, AXA and Bupa to name a few, there are hundreds of variations available at any one given time and therefore policies can be tailor-made to meet their requirements and budget.“
– Stuart Hendy, PMI expert
How does AXA private healthcare work?
AXA offers cover for individuals, families, small businesses and corporations. There are three cover options available from Axa: Personal Health, Health-on-line and InSpire cover. Their health insurance products provide basic coverage with the ability to add extras. Among the advantages are:
Axa Policy Overview
Axa Personal Health offers some level of outpatient health insurance cover in addition to the core cover. By including optional benefits in your policy, you can customise your health insurance coverage to meet your needs. Your monthly premium could go up as a result.
Pros and Cons AXA Personal Health Insurance
As with all health insurance in the UK AXA has its Pros and Cons. Some of the Pros and Cons are listed below:
| Pros | -The biggest benefit of health insurance is peace of mind -You won’t pay for healthcare out of pocket -You will be able to access health care 24/7 -Access to a wide range of private hospitals -You can choose the specialist and clinic where you want to be treated. -You can add Worldwide cover to your cover -Extensive and comprehensive cancer cover -Reduces annual premium by 5% if paid in full -Exclusive incentives with AXA ActivePlus |
| Cons | -Does not cover pre-existing medical conditions -Does not cover childbirth or infertility treatments -A monthly premium is higher than other health insurance providers |
Contact our trained health insurance specialists to analyse the benefits and drawbacks of private medical insurance offered by all UK health insurance companies.
Guided Care
AXA’s core cover covers a wide range of situations. It includes the expense of surgery, specialist costs, and medications. It provides limited outpatient coverage and does not include outpatient drugs.
Axa offers three out-patient options cover to choose from:
Standard Out-patient
- You are entitled to three specialist consultations per year.
- There is no annual limit when referred by a consultant for diagnostic tests.
- There is no annual restriction when a specialist refers you to a dietitian, orthoptist, speech therapist, or nurse.
No Outpatient
By selecting this option, you will restrict your cover to out-of-hospital surgery, CT, MRI, and PET scans.
Full Out-patient
- Unlimited visits to specialists
- There is no annual limit when referred by a consultant for diagnostic tests.
- There is no annual restriction when a specialist refers you to a dietitian, orthoptist, speech therapist, or nurse.
Benefits of AXA Personal Health policy
AXA Personal health policy offers a range of benefits, which may vary depending on the specific plan or coverage. Some potential benefits of AXA health insurance may include:
| In-patient and day-patient treatment | You can use hospitals from the Axa Directory of hospitals*. The full cost of a hospital stay, including physiotherapy, nursing care, medication and dressings, specialist fees, consultations, diagnostic testing, CT, MRI, and PET scans are included with core cover. |
| Outpatient Cover | All scans, including CT, MRI, and PET scans, are covered with outpatient coverage at the top hospitals in the UK that are included in the AXA’s Directory of Hospitals. There are no yearly limits for surgeries. |
| Comprehensive Cancer Cover | Diagnostic surgery, CT, MRI and PET scans. Chemotherapy/radiotherapy. Dedicated cancer support from a trained nurse Hospice donation of £100 a night Up to £5000 for an external prosthesis a year Up to £400 for wigs and head covering a year Comprehensive cancer coverage may be excluded if you have a cancer-related medical history, and your policy may be downgraded to NHS cancer support. For more information on cancer cover please read over the latest guide to Health Insurance Cancer Cover |
| NHS Hospital Cash Benefit | When you use NHS hospitals for inpatient treatments instead of private treatments you are entitled to a cash payment of £50 a night up to £2,000 a year |
| Correctional Ear Surgery | A child aged 14 and under will have surgery to correct prominent ears. |
| Oral Surgery | Paid in FULL for specialist referred oral treatments |
| Laser treatments | Laser therapy to enhance the appearance of a “port wine stain” on a child’s face aged 14 and under. |
| A child under the age of 14 who is experiencing a delay in development can have six sessions of speech therapy. | |
| Home Nursing | An at-home intravenous drip antibiotic administration by a dedicated nurse is included with your health insurance cover. |
| End of Life care | Even if your cancer cannot be cured AXA will continue to support you and will offer you care to relieve pain. This may include radiotherapy, and chemotherapy, and also might fit stents or drain fluid. Donation of £100 a night to a hospice where you will receive end-of-life care. |
| Parent Accommodation | While your child (under 16) is undergoing treatment, you as a parent are qualified to will get hospital accommodation for one parent and up to £100 per night toward a hotel (up to £500 per year). |
| *Directory of Hospitals |
Other optional benefits
Additional optional extras are available to customise your policy to meet your specific needs
| Extended Cover Option | Access to private GP with limited to a maximum of £500 per year Choose your own recognised specialist All UK hospitals including London HCA hospitals Use of Doctor on Hand app |
| Full out-patient cover option | Unlimited outpatient cover Unlimited diagnostics and tests |
| Dental and Optical | Up to 80% off your dentist’s fees (limit to £400 a year) Cover for prescribed glasses and contact lenses (limit to £200 a year) Eye test cover (limit to £25 a year) |
| Worldwide and European Travel Cover Option | You can add this option to your core cover to cover you for emergency medical expenses abroad in case of a medical emergency. Which includes cover for lost luggage, delays and loss of travel documents. |
| Mental Health | |
| Therapies Cover | Includes coverage for unlimited outpatient cover from chiropractors, physiotherapists, acupuncturists, homoeopathy and osteopaths. When your GP refers you, or when you receive therapist treatment through the Working Body team, you will have 10 sessions per year. |
Axa Health Insurance underwriting options.
AXA offers underwriting options for their health insurance plans, which determine how the insurer assesses and prices the risk of providing coverage to an individual. Underwriting options may include:
Full Medical Underwriting
With this option, AXA will assess the applicant’s medical history and current health status in detail to determine the coverage and premium. This may involve providing detailed information about pre-existing conditions, past medical treatments, and current health status. The coverage and premium will be based on the individual’s health risks as assessed by AXA
Moratorium Underwriting
Under this option, AXA may impose a moratorium period during which coverage for pre-existing conditions is excluded. After a certain period of time, typically 2-5 years, coverage for pre-existing conditions may be considered if the individual has not sought treatment or advice for those conditions during the moratorium period. Premiums may be lower compared to full medical underwriting, but coverage for pre-existing conditions may be restricted during the moratorium period.
Underwriting Switch Moratorium Underwriting
With this option, AXA does not consider the individual’s medical history or pre-existing conditions when determining coverage or premium. This means that the individual’s medical history is not taken into account, and coverage is provided for all conditions, including pre-existing conditions, without exclusions. Premiums may be higher compared to other underwriting options as the insurer assumes a higher level of risk.
Medical History Disregarded (MHD) Underwriting
This option allows individuals who are already covered under an existing health insurance plan with another insurer to switch to an AXA plan without providing detailed medical information. A moratorium period may be imposed during which coverage for pre-existing conditions may be excluded, and after a certain period of time, coverage for pre-existing conditions may be considered if the individual has not sought treatment or advice for those conditions during the moratorium period.
It’s important to note that underwriting options and their availability may vary depending on the specific AXA health insurance plan, location, and individual circumstances. It’s recommended to review the policy terms and conditions, including the underwriting options, to understand how the coverage and premiums are determined and what limitations or exclusions may apply. Consulting with a qualified insurance professional or AXA representative can also help in understanding the underwriting options available for a particular health insurance plan.
How much does health insurance cost with AXA?
The cost of health insurance with AXA Personal Health, Health-on-Line and In Spire covers are broken down below. These are based on non-smoker 25 years old individuals who are in good health and have no pre-existing conditions. As the table shows, you may adjust the pricing to your needs by adding or removing the additional cover from your core cover.
Personal Health
| Excees per year | Monthly premium |
| £500 | £48 |
| £250 | £55 |
| £0 | £67 |
Health-on-Line
| Excees per year | Monthly premium |
| £500 | £39 |
| £250 | £51 |
| £0 | £63 |
InSpire
| Excees per year | Monthly premium |
| £500 | £34 |
| £250 | £48 |
| £0 | £55 |
Cost for Additional Benefits
AXA The cost of AXA Health add-ons can vary depending on several factors, including the specific add-on, the level of coverage, the location, and the age and health status of the insured individual. Add-ons are typically offered as optional extras to the base health insurance policy, and they are priced separately.
| Standard Outpatient | £5.69 |
| Full Outpatient | £12.08 |
| Extended Cover | £7.95 |
| Mental Health | £3.87 |
| Therapies | £2.90 |
| Dental and Optical | £11.03 |
| European Travel | £12.00 |
| Worldwide Travel | £17.00 |
| Guided Option | -£4.12 |
| NHS Cancer Support | -£1.03 |
Comparing prices with AXA
No Claims Discount
The no-claims discount program at AXA is organised into seventeen tiers. On the highest tier, you are only eligible for a maximum premium discount of 80%.
If you claim → falls by three tiers
If you do not claim → goes up by one tier
You won’t be penalised for using:
No matter what claims you made or how much they were worth, this will impact your renewal price in the following year. You won’t be penalised for using:
- Claims for the NHS treatment and NHS cancer treatment benefits
- Consultations using the Doctor at Hand App
- Therapies claim if you have this option included in your core cover
- Dental and optical cash back if you have this option included in your core cover
- Speech therapies cover
NHS Cancer Support
AXA may downgrade your cancer cover to NHS Cancer treatments if you had Cancer previously or were just diagnosed with cancer. This means that any cancer treatments will be treated with the NHS. However, if you need the latest improved cancer drugs which are not available with the NHS, Axa might help to cover them.
Choose a higher excess
You can lower your monthly premium by selecting a high optional excess. The maximum excess available through AXA is between £2,500 and £5,000. This will give you more options if you ever need to claim procedures that would cost significantly more than the excess you’ve selected.
Dedicated Heart and Cancer Nurses
You will get a dedicated team of cardiac or cancer nurses to support your treatments at any time if you are diagnosed with a cardiovascular condition or cancer.
Fast Track Physio Access
You may skip a GP referral for musculoskeletal physiotherapy with AXA’s Working Body program. This allows you to get quick care when you need it the most.
Proton Beam Therapy
This is only available if you go for comprehensive cover with AXA insurance. In the following cases, Axa will pay for treatments:
- If the policyholder is under the age of 21 with brain or spinal cord cancer or a malignant solid cancer
- For the therapies of chordomas or chondrosarcomas that have not progressed to the base of the skull or neck bones
- To treat malignancy of the iris, ciliary body, or choroid of the eye that has not spread
How to reduce your monthly premium with the Axa Health policy?
AXA personal health insurance policy cover, like all insurance companies in the UK, has a way to lower monthly premiums:
- Choose a higher excess option –Lower your monthly premium by choosing a higher excess you’re willing to pay in the event of a claim. Given that you only pay the excess once a year and not for each claim, it ought to be affordable.
- No claims discount- If you don’t make any claims for a year, AXA will offer you a no-claim bonus of up to 80%.
- Select a Guided option- Allow AXA to select the expert for your treatment since AXA has set pricing with a certain specialist. This will result in a lower monthly premium.
- Choose to pay annually- Only with the AXA policy, can you save 5% on your annual premium by paying it all at once
What is not included with health insurance from AXA?
When applying for health insurance, it is critical to read the terms and conditions carefully for any health exclusions. This refers to things that are not covered by your policy or are ‘excluded’ from it. While private medical care covers many things, like physiotherapy, diagnostic tests, and hospitalisation, some exclusions are unlikely to be covered and AXA is not different from any other health insurance provider in the UK.
The general exclusions are:
- Chronic conditions
- Pre-existing conditions
- Cosmetic surgeries
- Prescriptions
- Pregnancy and childbirth
- Professional sports injuries
How to get health insurance quotes from AXA?
Choosing the best health insurance plan for your needs can be challenging, especially if there are many options available. If you have a policy with AXA already or are looking to get a quote, contact our advisors who are specialists in health insurance services. They will help you navigate through this difficult process and tailor the best health insurance quote for you. Call us on 02045250884 or send us an email to conatct@premierpmi.co.uk and one of our dedicated advisors will get in touch with you.
What customers say about us
SOURCES
https://www.macmillan.org.uk/about-us/what-we-do/research/cancer-statistics-fact-sheet/
https://www.lasereyesurgeryhub.co.uk/data/cataract-statistics/
https://www.mytribeinsurance.co.uk/knowledge/private-medical-treatment-costs/
https://prohealthclinic.co.uk/blog/hip-replacement-cost-uk/
https://www.spirehealthcare.com/spire-little-aston-hospital/treatments/a-z/skin-cancer-treatment/
https://www.england.nhs.uk/2018/11/first-children-with-cancer-to-begin-treatment-with-revolutionary-car-t-therapy/
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