Overview
AXA Health's current personal product, the Health Plan, is built from modular blocks — inpatient and day-patient care at its core, with cancer cover, outpatient care and mental health added to suit your budget. Up to eight family members across generations can join one plan.
A notable difference is AXA's three-year moratorium on pre-existing conditions, shorter than the five-year look-back most insurers use, which can work in favour of people with older medical history. AXA also offers a 24/7 health support line and virtual GP access.
Reviews & ratings
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Strengths
- Modular design — pay only for the cover blocks you want
- Three-year moratorium is shorter than the market-standard five
- Multi-generational family plans (up to eight members)
- 24/7 health support line and virtual GP
- Backed by a major global insurance group
Things to consider
- Certain conditions carry an extended five-year look-back
- Cancer cover choices need reading carefully — exclusions can be significant
- Guided consultant options reduce price but limit specialist choice
Who is AXA Health best for?
Families who want flexible, modular cover, and anyone whose medical history sits just beyond a three-year moratorium window.
What does it cost?
From £45/month. Indicative for a 30-year-old on a mid-level plan, 2026. Your price depends on age, postcode, cover level and excess.
Frequently asked questions
What is AXA Health's moratorium period?
AXA Health typically looks back three years for pre-existing conditions rather than the five years most UK insurers use. Conditions from that window are excluded until you've been trouble-free for a set period after joining. A shorter look-back can be a real advantage if your medical history is a few years old.
Does AXA Health include a private GP service?
Yes — members get access to a virtual GP service with appointments available around the clock, plus a 24/7 health support line staffed by nurses. The virtual GP can issue private prescriptions and refer you onwards for covered treatment, which speeds up the claims journey considerably.
Can I choose my own consultant with AXA Health?
It depends on the option you pick. Full-choice plans let you use any consultant recognised by AXA at an approved hospital. Cheaper 'guided' options ask you to choose from a shortlist AXA provides. The guided route can cut premiums meaningfully if you're comfortable with less choice.
Other insurer reviews
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- WPA
- The Exeter
- Freedom Health Insurance
- National Friendly
- Saga
- General & Medical
Understand how health insurance works
- Moratorium vs full medical underwriting
- Pre-existing conditions explained
- Why premiums are rising in 2026
- Insurance Premium Tax explained