AXA Health at a glance (July 2026)
| AXA Health | |
|---|---|
| Product | AXA Health Plan (modular care options) |
| Published example price | £42.05/mo age 30, £51.75/mo age 40 — Bournemouth, £250 excess, foundation network (AXA, April 2026) |
| Underwriting | Moratorium — 3-yr look-back / 2 trouble-free yrs (shortest look-back of the major insurers) |
| Excess | £250 in AXA's published examples (full current list not published) |
| Hospitals | Over 250 hospitals; foundation network in published pricing; guided open-referral option |
| Mental health | Optional module — no yearly limit on clinician fees for psychiatric treatment |
| Digital GP | 24/7 phone and online GP appointments, standard for members 18+ |
| Age notes | 75+ triggers further questions; no child-only plans |
Verified against AXA Health's own published documents, July 2026.
What stands out (July 2026)
Two things. First, the 3-year moratorium look-back: most rivals (Bupa, Aviva, Vitality, WPA, The Exeter) look back 5 years for pre-existing conditions; AXA only looks back 3. If you had a resolved issue 4 years ago, AXA may cover it from day one where others wouldn't until you'd been 2 years trouble-free. Second, the modular structure: outpatient, inpatient and cancer care each stand alone, and different family members can carry different modules — you genuinely only pay for what each person needs.
Cover detail
The outpatient module offers 3 specialist consultations a year or unlimited, with unlimited specialist-referred scans and tests and up to 10 combined physio/osteopathy/chiropractic sessions. The cancer module has no yearly limit on specialist fees, covers biological therapies with no time limit, and includes a dedicated case manager, wigs up to £1,000 and specialist clothing up to £2,000 a year. Everyday healthcare — standard on every plan — brings the 24/7 GP, a 24/7 nurse-staffed health support line and a 24/7 mental health support line.
Watch-outs
- The cancer module only covers new cancer — anything you've had before joining, including recurrence or spread, is excluded. If you've had cancer, read our guide for cancer survivors first.
- Mental health can't be bought alone — it must pair with another module, and pre-existing mental health conditions referred to a specialist in the 5 years before joining are excluded.
- AXA doesn't publish its full excess ladder or no-claims-discount percentages — you only see them at quote. Its NCD has 10 levels but the maximum discount isn't published.
- Dental and optical are cashback-only (80% of dental fees to £400/year) via an optional add-on.
Who it suits
People with something minor in their medical history 3–5 years ago (the shorter look-back), families wanting different cover per member, and anyone who'll actually use the 24/7 GP rather than waiting for NHS appointments.
See options from the UK's leading providers — side by side, your exact profile.
Get a Free Quote →Frequently Asked Questions
AXA's own published examples (14 April 2026): £42.05/month for a 30-year-old and £51.75/month for a 40-year-old in Bournemouth, with outpatient, inpatient and cancer cover, £250 excess, foundation hospital network. Paying annually earns a 5% discount.
3 years look-back, 2 years trouble-free — conditions you had symptoms of in the 3 years before joining are excluded until you've had 2 years without treatment, advice, special diets or medication (including over-the-counter). That look-back is shorter than the 5 years used by Bupa, Aviva, Vitality, WPA and The Exeter (all verified July 2026).
Yes, via its Cancer Care module: no yearly limit on specialist fees, chemotherapy and radiotherapy including palliative use, and biological therapies with no time limit. Cancer you had before joining — including recurrence of it — is excluded (verified July 2026).