AXA health insurance review for “2021” | Finder UK

AXA health insurance review

Find out what's covered by AXA health insurance, what's excluded and how to make a claim.

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Who is AXA?

AXA is an international insurance company serving customers in more than 60 countries. It provides car, home, travel and business insurance, as well as private health insurance.

What’s included with AXA health insurance?

AXA private medical insurance covers the cost of private healthcare with more than 33,000 consultants and practitioners, at over 250 private medical facilities across the UK.

Cover benefits include:

  • In-patient and day-patient treatment for insured conditions
  • Medication costs, hospital fees and specialist fees
  • Specialist treatment for cancer and heart problems (including 24/7 telephone support)
  • Diagnostic surgery, CT, MRI and PET scans
  • Cash payments up to £2,000 per year, when you have free in-patient treatment on the NHS
  • Video GP appointments
  • Telephone appointments with a physiotherapist, without a GP referral

You can also choose to add extra coverage for an additional fee. These add-ons include:

  • Full out-patient cover, with no limits on specialist consultations, diagnostic tests or practitioner charges
  • Cover for 80% of dentist fees (up to £400 per year) and optician fees (up to £200 per year)
  • Therapies cover, including up to 10 sessions per year with physiotherapists, acupuncturists, homeopaths, osteopaths and chiropractors
  • Mental health treatment from psychiatrists, psychologists and cognitive-behavioural therapists
  • Worldwide travel cover, including cover for lost items and flight delays

If you have children, you may be interested in upgrading to AXA’s family health insurance. This includes:

    • Free cover for newborns until your renewal date
    • Unlimited telephone access to experienced nurses and fully-trained midwives
    • Various cosmetic surgeries for your child, including birthmark removal and prominent ear correction
    • The cost for a parent to stay with a child in hospital, or up to £500 a year towards the cost of a parent’s accommodation near the hospital

Exclusions

Aviva Health Insurance will not cover you in the following scenarios:

      • Pre-existing medical conditions
      • Chronic health conditions, including arthritis, asthma, diabetes and epilepsy
      • Pregnancy and childbirth

This is just a selection of exclusions. There may be other scenarios where your policy won’t cover you. AXA encourages customers to ask if there’s something specific they would like to be covered for, before signing up.

Claims process

In most cases, you’ll need to be given an open referral by a GP before making a claim.

Once you have this, you can get straight to using AXA’s Fast Track Appointments service, which makes it easy for you to quickly find the right treatment at the right time and place for you.

You’ll be given a choice of up to three consultant-level specialists to make an appointment with.

AXA will let you know if you need to pay an excess or any part of the bill.

Managing your policy

You can manage your policy online via the AXA Health website. Log in using your email address and password, and you’ll be able to amend your personal details, check previous claims and see how much of your private medical insurance cover you’ve used.

Pros and cons

Pros

        • Full coverage for in-patient and day-patient treatment at hundreds of private facilities.
        • Plenty of opportunities to receive telephone support from medical professionals.
        • Impressive levels of support for cancer and heart problems.
        • Family Medical insurance covers a unique range of treatments for children, including full coverage for newborns.

Cons

          • Out-patient cover isn’t covered as standard. You’ll need to buy an add-on.
          • Treatment for pre-existing and chronic conditions not covered.
          • Limited cover for dentist and optician fees.

Our verdict

There’s a lot to like about this policy.

We were particularly impressed with the levels of telephone support offered, especially for sufferers of cancer and heart problems. Parents are likely to appreciate the depth of the Family Medical Insurance.

Frequently asked questions about AXA health insurance

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