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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

40s from£60–88/mo
4.1Trustpilot (16.0k)
270+hospitals
3yrmoratorium

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Prices shown are illustrative starting points only. Speak to an adviser or go direct for a real, personalised quote 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

Select your age band for indicative pricing

Showing typical 40s pricing — select your age above for a more relevant estimate.

Personal Health — Essentials

basic
£30–£46/mo

indicative 40s range

Excess: £250, £500

Outpatient cover£500/yr
Cancer coverfull
Mental healthnot included
Therapiesnot included
Dental & opticalnot included
NCD protectionavailable

Personal Health — Guided Option

mid
£42–£62/mo

indicative 40s range

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

Personal Health — Core + Options

comprehensive
£60–£88/mo

indicative 40s range

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

Indicative price ranges only. Based on 2026 market research for a healthy non-smoker with a £250 excess in an average UK postcode. Your actual quote will differ. Full pricing methodology →

Indicative price ranges only. Based on 2026 market research for a healthy non-smoker with a £250 excess in an average UK postcode. Your actual quote will differ. 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. Full pricing methodology & about us →

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