Axa Health private health insurance review

Axa Health is the second-largest health insurer in the UK. Originally founded in France, Axa is now an international company that operates in 51 countries globally. 

As well as private health insurance, Axa offers several other types of insurance in the UK, including car insurance, home insurance and dental insurance. 

In 2026, Which? surveyed Axa customers who have made a recent claim to find out how they rate their insurer. Read on to see the results.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

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• Find out more: Best private health insurance 

Does Axa Health offer the best private health insurance?

Here's how Axa Health scored in our latest survey:

• 76% customer score – 4th out of 7 providers

See how this compares with the best private health insurance. 

How did customers rate Axa Health?

Axa Health customers gave it a score of 76% in our customer satisfaction survey, placing it fourth out of seven providers rated. It received four stars out of five for most aspects of its cover and service. 

What does Axa Health offer?

Axa Health's private health cover lets you build your own policy. When you get a quote, you'll be asked to select what you want to be covered for, out of:

• Outpatient diagnosis and care, including scans, tests, minor outpatient treatment, and complementary therapies such as physiotherapy and osteopathy
• Inpatient and day patient care, including overnight or day surgeries, follow-up treatments and consultations, and physiotherapy while you're in hospital
• Cancer care, including treatment for cancer after it's been diagnosed, psychological support, genetic testing, surgery and hospital costs, and wigs or specialist clothing you might need
• Mental health care, including access to mental health professionals, psychiatric treatment, and support following treatment for a mental health condition. 

As standard, you'll also get access to online GP appointments, a 24/7 health support line, mental health support by phone and app, discounted gym membership and health assessments, and a blood test kit to check cholesterol and blood sugar levels. 

You can tailor your cover further by choosing the number of consultations included in your cover, whether you want the flexibility to choose your own specialist, and the range of hospitals you want access to. 

What doesn't Axa Health cover?

Like most private health insurers, Axa Health excludes some key things from its policies. For example, it won't cover chronic conditions, pregnancy and childbirth, dental or optical treatment, or fees for outpatient drugs, dressings and private prescriptions. And it usually won’t cover treatment for medical conditions that you had, or had symptoms of, before joining.

• Find out more: critical illness protection explained

How much does Axa Health private health cover cost?

As with most types of insurance, the cost of private health insurance depends on a range of factors, including your health, age, smoking status and where you live. 

Someone in their 70s, for example, is likely to pay much more for private health insurance than someone in their 30s. 

We used Axa Health's website to get quotes for an annual single policy for a person aged 35, 55, and 75, living in south London. We assumed that they were in good health, didn't smoke, and had no pre-existing medical issues.

We also got equivalent quotes for Axa Health's major rivals: Aviva, Bupa, Saga, Vitality, Westfield and WPA. 

Axa Health was the second cheapest provider for a 35-year-old and the third cheapest for a person aged 55. Bear in mind, though, that these quotes are illustrative, and Axa Health may offer better value for other scenarios, depending on personal circumstances. 

How can you save money on Axa Health private health insurance?

Compare quotes from different providers

You can buy Axa Health private health insurance directly from Axa Health, via general price comparison sites, or through specialist brokers. 

We'd always recommend shopping around for the best private health insurance, rather than only getting quotes from one provider, as this will help you get the cover you need for the best price. Price comparison sites can be a good starting point, especially if you know what cover you need. 

But as health insurance is a complicated and sensitive area, it can be a good idea to speak to a specialist broker who can talk you through your options and offer guidance on the best cover and features. You can find a broker using the searchable directories offered by the British Insurance Brokers' Association (BIBA) or the Association of Medical Insurers and Intermediaries (AMII)

Adjust your cover

Axa Health's plan lets you build your own policy from the four modules of cover: outpatient and diagnostic, inpatient, cancer, and mental health. You can keep costs down by excluding any of these modules from your cover. 

There are other ways to tweak your cover to reduce costs:

• Opt for a higher excess – the amount you'll need to pay towards any claim. The higher the excess you choose, the lower your premium is likely to be. 
• Let Axa Health source your specialist. While it will try to find a conveniently located specialist, it may not be at the closest location to you. If you want the freedom to choose your own specialist, this will cost more. 
• Opt for a smaller hospital list. This will cost less but limit the locations at which you can be treated. 
• Cap the number of consultations included in your cover. Unlimited consultations will cost more. 

• Find out more: is private health insurance worth it?

How do I make a claim for Axa Health private health insurance?

1. The first step if you have a health condition that you think needs attention is to see your GP. If they recommend seeing a specialist or getting further tests or treatment, ask them for an 'open referral'. This outlines the type of treatment you need but doesn't name a specific specialist or hospital. 
2. Then, get in touch with Axa Health, either by phone or by logging into your online account. Axa Health will confirm whether your treatment is covered and advise if it needs any more details beyond what's in your GP's referral. 
3. Depending on the details of the plan you've chosen, Axa Health will either source a specialist or care service provider for you, or help you to find one of your choice. Your plan should also cover you if you decide you want a second opinion. 
4. Usually, Axa Health will settle any bills directly with the healthcare provider. If you receive any bills directly, let it know. Axa Health will advise you if and how you need to pay any excesses, or for any part of your treatment that's not covered under your plan. 

• Find out more: Health insurance for over-60s