Benefits of AXA Health Insurance - Protection Insurance Specialists
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Benefits of AXA Health Insurance

Benefits of AXA Health Insurance

axa benefits

Despite the fact that every UK resident has free access to healthcare as part of the NHS, there are still a number of benefits to private healthcare, despite the additional cost.

If private health insurance is something you are considering, whether it’s just for you as an individual or you want to look after the health needs of your family, what exactly can you expect from your insurance policy?

AXA Healthcare is one of the biggest providers of private health insurance – here’s a rundown of what they can offer you as a policyholder.

Core cover

AXA’s Personal Health plans include many healthcare benefits as core cover.  But because not everyone has the same requirements, they also allow you to choose optional add-ons, making a tailor-made policy to suit your individual circumstances.

So what exactly does it cover?

Below is a summary of what AXA’s Personal Health plan covers for its members:

♦ 24-hour telephone access to information and guidance from AXA’s specialist nurses and counsellors.

♦ A network of over 250 hospitals where patients can receive in-patient and day patient treatment.

♦ Surgery as an out-patient

♦ A commitment to provide extensive heart and cancer cover, including radiotherapy and chemotherapy.

♦ Enhanced family and children’s cover (including free cover for newborns)

♦ Access to diagnostic scans including Computerised tomography (CT), magnetic resonance imaging (MRI) and positron emission tomography (PET).

AXA cover options

Although the standard plan has been designed to give you peace of mind, some people may have a totally different idea of what they’d like to gain from their private health insurance.  Core cover on its own may be satisfactory, particularly if you are on a budget, but if you’re looking for some extra cover then AXA can provide this too.

Personal Health is a modular plan, which allows you to choose up to six options to enhance your level of cover.  It’s important to be able to choose the right health insurance cover for you and your family.

Additional cover options include:

♦ Fast Track Appointments – 91% of patients are referred to an appropriate specialist within 14 days.

♦ Second Opinion Service – access to over 17,000 specialists at a network of over 250 hospitals, giving you the reassurance and confidence to go ahead with your treatment.

♦ Full-out patient cover – No annual limit for specialist consultations and diagnostic tests

♦ Alternative Therapy cover – Covers you for up to a maximum of 10 sessions per year for GP referred physiotherapy, osteopathy, homeopathy, acupuncture and chiropractic treatments.

♦ European or Worldwide Travel Cover – Cover towards the cost of emergency medical treatment abroad.

Whilst many people will choose private health insurance because of the benefits of being able to choose a hospital or see a specialist, AXA recognise that for many people healthcare extends beyond this so as well as many medical benefits, they also offer their members discounted health checks and gym memberships.

The advantage of private healthcare is being able to have more control – not just over how and where you receive your treatment, but how much you pay for it.

Whilst private health insurance can be expensive, there are different ways of lowering the cost to make your plan more affordable.

Monthly premiums can be brought down by adding an excess onto your policy, making you liable for some of the costs when it comes to a claim – although you’re only likely to be asked to pay once a year for each person that makes a claim.

AXA healthcare plans also allow you to add a six-week option – you’ll be treated as standard through the NHS, if they can accommodate you within six weeks but if the wait is longer, you’ll be eligible to have the treatment privately, allowing you to skip long waiting lists.

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