Review: Axa Health Insurance

David Woodfield By David Woodfield


One of the largest private medical insurance providers in the UK, AXA PPP healthcare has been serving customers for almost 75 years; in 2013 it paid out £824.4m in healthcare benefits.

Its private healthcare plan, Personal Health, enables policyholders to choose their own cover, including when and where they are treated in the event of an illness or injury.

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You can compare Axa health insurance prices on

Axa’s health insurance helpline operates 24/7, with trained nurses and counsellors available on the line to answer any queries. The service also offers advice for staying fit and well, such as tips for staying healthy, getting exercise and managing the symptoms of long-term conditions.

Overview of health insurance cover provided by Axa health insurance

The Personal Health plan by Axa includes a number of benefits as standard, with the option to add further cover to enhance your health insurance policy, including out-patient cover.

Axa’s standard health insurance policy covers:

  • Heart and cancer care, including chemotherapy and radiotherapy
  • In-patient and day-patient treatment at 250+ hospitals
  • 24-hour helpline access to nurses and counsellors, plus daily access to midwives and pharmacists
  • Out-patient surgery
  • CT, MRI and PET scans

Policyholders can then choose up to 6 additional modules to enhance their cover. These include mental health cover, dentist and optician cash back, travel cover and therapies cover.

Restrictions may apply to the above coverage, based on your medical history. For example, any illness or injury you have suffered within the last 5 years will not be covered for the first two years of taking out a policy. However, after 24 consecutive months without treatment or advice, that particular ailment will become eligible for cover again.

You can get an Axa health insurance quote on

How much does Axa health insurance cost?

Axa claims to save you up to 20% on previous cover. It offers a number of incentives to lower premium costs, such as adding an excess to the policy and providing a no claims discount. It also has a ‘6 week’ clause, in which you can receive cheaper treatment by referring problems to the NHS initially, before going private if the issue has not been fully treated after the 6 weeks period is over.

See how Axa health insurance prices compare to other providers on

What do Axa health insurance reviews by customers say?

Axa private healthcare scores 1.4 out of 5 stars on Reviewcentre. There are some positive reviews – one customer remarked “I would recommend to a friend and family…I didn't feel obliged or pushed into taking out the policy”. However, other reviewers have been less impressed; other feedback includes: “never have I dealt with a more stressful company in my life”.

Feefo provides more positive feedback, with Axa’s health insurance receiving a 98% rating for service. “Very helpful and took time to understand my requirements,” commented one customer, while another said “The set up was easy and fast. The service is great value for money!” reviewers rate Axa excellent – 4.2/5 stars – for health insurance, praising its assistance in the event of illness.

What do Axa health insurance reviews from the experts say?

Axa PPP Personal Health insurance has been rated 5 stars by industry body Defaqto – the maximum possible score, making it ‘an excellent product with a comprehensive range of features and benefits’.

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