Private health insurance

Join the next generation of healthcare

Private health insurance

    • Health me get better icon

      • Access to our Fast Track Appointments service, giving you swift access to consultants and eligible treatment.
      • Over 250 hospitals within our directory, with more than 26,000 recognised consultants and other practitioners.
      • Our enhanced family health insurance makes sure that you and your family get the treatment you need when you need it
      • Access to the latest approved cancer drugs and treatment – even those not routinely available on the NHS*

      *Subject to medical history and cover options chosen. Out-patient drugs are not covered by this plan.

      Support you when you need it icon

      • Our dedicated Heart and Cancer nurses are there on the phone when you need it most, through treatment, diagnosis and recovery.
      • Health@Hand is our support line with nurses and counsellors available 24/7 to answer any questions.
      • We offer our Second Opinion Service, giving you peace of mind, providing you have the relevant Option.
      • Access to our free Online Health centres, covering topics from allergies to mental health and ageing well.
      • Pure gymPlus we’ve teamed up with PureGym because we love how they’re giving more people the chance to enjoy going to the gym. Purchase a Personal Health plan, choose the best PureGym location for you and get 50% off the annual PureGym membership price when you buy on Full terms and conditions here.

      • 4.2 stars out of 5

        Health Insurance from AXA PPP healthcare

        Our health insurance was rated 4.2 out of 5

        Based 407 reviews between February 2017 - December 2017. These members were asked to rate the level of service from AXA PPP healthcare following their purchase.

      • defaqto

        Feefo Gold Trusted Merchant 2016

        The Defaqto 5 Star Rating is based on the overall product including options. Where not all options are taken, this may affect the rating.

      • Best Direct Healthcare Provider 2017

        AXA PPP healthcare have been named the Best Direct Healthcare Provider for the 6th year running in the Your Money Awards.

         Your Money Best Healthcare Provider

      • Service rating:

        View all our latest claims reviews at

      • What's covered by Personal Health?

        Personal Health, like other private health insurance plans, offers cover for treatment of new medical conditions that arise after you become a member. Personal Health includes:

        • Our heart and cancer commitment offering extensive heart and cancer cover and care, including radiotherapy and chemotherapy.
        • Enhanced family and children's cover, including free cover for newborns until next renewal (cover restrictions may apply).
        • 24-hour phone access to health information and support from our nurses and counsellors (and our midwives and pharmacists during the day).
        • In-patient and day-patient treatment at a network of over 250 hospitals.
        • In-patient specialist, anaesthetists and hospital fees.
        • Surgery as an out-patient.
        • Computerised tomography (CT), magnetic resonance imaging (MRI) and positron emission tomography (PET) scans on specialist referral.

        Personal Health is a modular plan, allowing you to choose from up to seven options to enhance your cover.

        Please note that there may be restrictions on cover, depending on your medical history.

      • Standard out-patient cover

        Up to three specialist consultations a year as an out-patient. No yearly limit on diagnostic tests like x-rays, ultrasounds and blood tests, and practitioner charges referred by a specialist. Practitioners include nurses, dieticians, orthoptists and speech therapists.

      • Full out-patient cover

        No yearly limit for specialist consultations and diagnostic tests (x-rays, ultrasounds and blood tests) and practitioner charges referred by a specialist. Practitioners include nurses, dieticians, orthoptists and speech therapists.

      • Extended cover

        Up to £500 a year for Private GP consultations. Five consultations a year with our own Online GP service provided by Doctor Care Anywhere. Extended cover for treatment at any hospital, day-patient unit or scanning centre in the UK, even if outside of our Directory of Hospitals. Overseas cover for planned treatment up to the cost of equivalent eligible UK treatment.

      • Therapies cover

        Covers you for up to a maximum of 10 sessions per year for GP referred out-patient physiotherapy, osteopathy, homeopathy, acupuncture and chiropractic treatments. Further sessions are available (as long as we agree them first) if you are referred by a specialist. You also get access to our Working Body telephone service so if you haven’t seen your GP, you can arrange a call with a physiotherapist to get the right advice and treatment for you.

      • Mental health cover

        Cover for in-patient and day-patient treatment of mental health conditions, including anxiety and depression. Out-patient specialist consultations are also covered. In addition, treatment with psychologists, psychotherapists and cognitive behavioural therapists which include:

        • Cognitive Behavioural Therapy (CBT)
        • Cognitive Analytic Therapy (CAT)
        • Dialectical Behavioural Therapy (DBT)

        are covered if a specialist oversees your treatment.

        To see which psychiatric hospitals are in our Directory of Hospitals visit our members’ pages.

      • Dentist and optician CashBack

        80% of dentist charges, up to £400 a year. 80% of the cost of prescription glasses and contact lenses that you need to correct your sight, up to £200 a year. Plus, up to £25 each year for an eye test.

      • Travel cover

        This includes cover towards the cost of emergency medical treatment abroad, as well as the usual travel benefits such as loss of personal baggage and loss of passport. Choose either European or Worldwide cover. Adventure sports upgrade also available.

      • Moratorium underwriting

        A moratorium is a set period of time when we won't cover you for the treatment of any medical conditions that you had suffered from or had symptoms of before you took out your plan. There's no need to provide information about your medical history when you join.

        For the first two years, medical conditions you’ve had in the last five years, and in some cases other specified conditions will be excluded from cover. However, as long as you're completely free of any form of treatment or advice for that condition for a consecutive 24 month period after you join, you'll be covered for it in the future within the benefits of your plan. You'll be provided with more information about this when you join.

      • Lowering the cost

        If you want greater control over the cost of your plan, you can add an excess, include our Six week option or do both.

        Add an excess

        You can bring down your monthly subscription by chipping in if you need to make a claim. Your excess could be as low as £100, and you’ll only be asked to pay once a year for each person who claims.

        Six week option

        With this option, you’ll be treated by the NHS if they can treat you within six weeks of when in-patient treatment, day-patient treatment, cancer treatment or any surgical procedure is needed. If the wait is longer, you’ll be able to have eligible private treatment straight away. So you could avoid waiting lists and save up to 23% on your monthly subscription.

        Further savings when you renew

        Our best ever no claims discount rewards you with savings for every year you don’t need to make a claim. All claims under the therapies option, along with some other benefits, will not affect your no claims discount.

        Pay yearly and save 5%

        If you pay a year’s subscription in one go, you'll benefit from a 5% saving.

        Click here to find out more about saving on the cost of private health insurance.

      • What’s not covered?

        These are the key exclusions of out Personal Health plan:

        • Pregnancy and childbirth
        • Charges when treatment is received outside of our Directory of Hospitals unless you are covered by our Extended Cover option
        • Treatment you need as a result of training for or taking part in any sport for which you are paid, receive a grant or sponsorship (we do not count travel costs in this) or are competing for prize money.
        • Treatment of ongoing, recurrent and long-term conditions (chronic conditions).
        • Treatment of medical conditions you had, or had symptoms of, before you joined.

        Our Personal Health plan will not cover the following unless you choose the relevant options;

        • Dentist and Optician fees
          You can choose the Dentist and Optician CashBack option to receive money back towards some of the costs charged by your dentist or optician.
        • Out-patient diagnostic tests and out-patient specialist consultations
          You can choose from one of our two out-patient options for cover for out-patient specialist consultations, diagnostic tests and practitioner charges.
        • Psychiatric treatment
          You can choose the Mental health option to have treatment with psychiatrists, psychologists and cognitive behavioural therapists covered.
        • Therapies option
          You can choose the Therapies option to have treatment with physiotherapists, acupuncturists, homeopaths, osteopaths or chiropractors covered.

        For full details of the benefits, limitations and exclusions to cover, please refer to the membership handbook.

      • Call us on 0800 111 4004* or get a quote online

      • *Lines open 09.00 - 20.00 Mon - Fri. Closed Sat - Sun. Telephone calls may be recorded and/or monitored for quality assurance, training and as a record of our conversation