All you need to know about your membership

Written Explanations

    • If you’re struggling to understand what a simplified declaration is, or unsure how your excess works with an out-patient limit, then you’re probably not alone. To help you make sense of some of the terminology we use, we’ve created some videos and written explanations.

      • Individual Moratorium

        5:2:2 Specified

        This means that in the first two years of your membership we won’t cover pre-existing conditions. It also means, if you have pre-existing diabetes, raised blood pressure or abnormal PSA results, there are some conditions we won't cover until you have been trouble free for two continuous years or more.

        Find out more

        • 5:2:1 Rolling Moratorium

          5:2:1 Rolling moratorium

          This means that in the first two years of your membership, we won’t cover pre-existing conditions. However, after two years, we'll be able to consider claims for pre-existing conditions if you have been trouble free for at least one year.

          Find out more

        • Excess vs out-patient

          Excess and outpatient

          If you have an excess on your plan it will apply to each person on the plan when they make a claim.

          You may also have an out-patient allowance.

          Although these are separate benefits, you may end up using both at the same time depending on the type of treatment we're billed for first.

          Find out more

        • Flat 2 year promo

          Simplified declaration

          If you switch to an AXA PPP healthcare plan or leave your company paid plan for an individual one, we'll ask you two questions known as a 'simplified declaration' so we can give you a fair and accurate price.

          Find out more