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UK Private Health Insurance Review

Part of the global AXA Group; modular 'Personal Health' plan design

AXA Health Health Insurance Review & Prices 2026

Build-your-own modular cover with 24/7 Doctor at Hand

From£33/month
4.1Trustpilot (16.0k)
270+hospitals
3yrmoratorium

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Prices shown are indicative. Click through for an FCA-regulated quote directly from AXA Health.

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Who is AXA Health best for?

Flexible/modular cover
Digital health tools
3-year moratorium

AXA Health Plans & Pricing 2026

Pricing below is indicative — derived from public brochure rate cards. Your actual premium depends on age, health history, region, and chosen excess.

Personal Health — Essentials

basic
from£33/mo

Excess: £250, £500

Outpatient cover£500/yr
Cancer coverfull
Mental healthnot included
Therapiesnot included
Dental & opticalnot included
NCD protectionavailable
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Personal Health — Guided Option

mid
from£40/mo

Excess: £0, £100, £250, £500

Outpatient coverSelectable, with AXA-chosen specialist (open referral, ~150-hospital list)
Cancer coverfull
Mental healthmodular add-on
Therapiesoptional add-on
Dental & opticaloptional add-on
NCD protectionavailable
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Personal Health — Core + Options

comprehensive
from£52/mo

Excess: £0, £150, £250, £500

Outpatient coverSelectable: £500–£2,000/yr
Cancer coverfull
Mental healthmodular add-on
Therapiesoptional add-on
Dental & opticaloptional add-on
NCD protectionavailable
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Indicative pricing only. Prices shown are derived from public brochure rate cards and independent market research — they are not live underwritten quotes. We are a referral site, not a financial adviser. We may receive a referral commission when you take out a policy through a link on this site — this never affects the price you pay. Clicking through takes you to AXA Health's own FCA-regulated quote journey. Always read the policy documents before purchasing.

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