Private health insurance
To cover healthcare costs for one individual
Who is AXA?
Key benefits
AXA provides private healthcare cover for a wide range of conditions and treatments, trusted by millions across the UK. The main benefits of taking out AXA health insurance include:
✔ Flexible choice of private hospitals and specialists, with options to suit your lifestyle and budget
✔ 24/7 online GP with AXA Doctor at Hand
✔ Comprehensive cancer cover included as standard
✔ Wellbeing rewards and discounts on gyms, health clubs, and wellness services
Defatato rating (health insurance)
⭐⭐⭐⭐⭐ ^
Defaqto is an leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'.
Phone number for new AXA customers
0800 003 004
Opening hours for general enquiries / live chat: Monday to Friday: 8:00 am – 8:00 pm Saturday: 9:00 am – 5:00 pm
What health insurance does AXA offer?
🚩 Here are the main types of health related insurance the AXA offers:
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Family health insurance
Provides cover for all family members, including parents and children
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Business health insurance
Health insurance products for businesses that can be offered as employee benefit schemes
Why trust AXA with your health insurance?
AXA is one of the UK’s leading private medical insurers, trusted for decades to provide reliable, innovative health cover for individuals, families, and businesses.
Here are some reasons to trust AXA:
✔ 4.3 'Excellent' Trustpilot rating
✔ AXA holds a 5-Star rating for Individual Private Medical Insurance and was named Best Health & Wellness Offering at the Cover Customer Care Awards 2023.
✔ Guided by UK clinicians for over 80 years
AXA example quote
This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. Quote taken on 24.09.25
How do I make a claim with AXA?
When you take out AXA Healthcare through MoneySuperMarket your insurance is provided by AXA and brokered by ActiveQuote. AXA will handle your insurance claim:
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Visit your GP
For most health insurance claims, you'll need to see your GP first to get a referral
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Contact AXA
Once you have the referral, start your claim so AXA can confirm what’s covered and pre-authorise treatment. You can do this by logging in to your online account
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Get pre-authorisation
Once AXA has checked your claim and confirmed cover, they can sort the next step: either arranging your specialist appointment or giving you a shortlist of up to three experts.
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Go to your appointment
Approved invoices settled directly — you pay just your selected excess. Choosing a non-approved/fee-limited specialist could mean extra costs; confirm with AXA before booking.
Frequently asked questions
When is the 24/7 health support line available?
As a member, you’ll have access to AXA's Health Support line 24/7. Whether it’s a medical question or a wellbeing concern, experienced nurses and counsellors are just a call away. For emergencies, always dial 999.
Are pre-existing conditions covered?
AXA provides cover for new medical conditions. Pre-existing conditions are typically excluded unless agreed at the time of joining.
What benefits and discounts are available to AXA Health members?
As a member, you can take advantage of exclusive gym, spa, and wellbeing offers, such as 40% off popular gym memberships.
Which services and treatments are excluded?
Common exclusions may include:
Pre-existing conditions (unless specifically agreed during underwriting)
Long-term, chronic, or recurring conditions (unless stated in your policy)
Routine pregnancy and childbirth
Dental and optical care
Outpatient drugs, dressings, and certain therapies
What affects the price of your health insurance?
Your premium depends on things like your age, where you live, your health history, and the level of cover and options you choose.
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Reviewed on 17 Dec 2025 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Accurate as of September 2025
Defaqto is an leading independent reviewer of financial products. AXA has been awarded a Defaqto 5-star rating, indicating it is among the most comprehensive and feature-rich products available in the market
Individual insurance products from AXA will have different ratings.
Data from the Defaqto website. Data from Sept 2025.