Compare AXA health insurance

AXA offers a core policy known as Personal Health, which includes treatment, surgery, inpatient drugs, diagnostic tests, scans and specialists' fees. This includes cover for heart conditions and cancer.

Add on cover is available. Outpatient consultation cover can be added, cash back for dentist and optician's fees, cover for therapy such as physiotherapy and acupuncture, and also a mental health option. It is also possible to add extended cover to provide for overseas travel and treatment.

AXA includes its Doctor@Hand service which allows you to have a 20 minute video or telephone consultation with a GP at a time to suit you throughout the day or night. You can contact AXA to take advantage of their team of specialists' know-how at any time, including pharmacists, midwives, nurses and counsellors.

Also included is the option to talk to a physiotherapist on the telephone who may be able to advise you on exercises to help, and a Fast Track appointment system which gives you a choice of three consultants if you have a GP referral.

AXA includes the right to see a second consultant if you are unsure about the course of action recommended by your first consultant.

As with any insurance cover there are exclusions. AXA excludes:

• Treatment of pre-existing medical conditions
• Pregnancy and childbirth. It is usual for private medical insurance cover to exclude maternity services
• Some ongoing chronic conditions such as asthma or diabetes. Again, this is usual for most private health policies
• Cosmetic treatments, although cover for birthmarks is included and some cover for treatment concerning ears for children

Policy holders can make a claim by accessing their policy online through the member portal and using the secure online system to contact AXA and upload documents.

You can contact AXA on 0800 111 4004. Existing policy holders can manage their policies online.

AXA health cover has generally good ratings from its customers, although of course customer views vary. TrustPilot reports 59% excellent and 8% great from over 1,300 customer reviews. Feefo gives a 4.1 out of 5 star rating for customer service.

Turning to expert industry ratings, AXA's cover has a 5 star rating from Defaqto for providing a comprehensive range of features and benefits and an excellent product. Defaqto rate products based on the overall product including optional components, so if you intend to take out just the basic level of cover you will need to bear this in mind.

Your Money awarded AXA 'Best Direct Healthcare Provider' in 2019.

Pros

• Cancer cover and inpatient care are included as standard
• Add ons are available to tailor your policy to your needs and those of your family
• Remote GP consultations available at a time to suit you

Cons

• Outpatient cover is not included as standard
• Treatment for chronic conditions such as asthma and diabetes is not included

Can I manage my AXA policy online?