What AXA Health’s own policy document says about 12 parts of its Personal Health cover, quoted rather than summarised. Source: Personal Health membership handbook, October 2024, read 4 September 2026.
| Benefit | What the document says | Page |
|---|---|---|
| Digital GP | Video and phone GP consultations are included as standard through AXA Doctor at Hand. No other primary care is covered. | 12 |
| Mental health cover | Mental health cover is an optional add-on, not part of the core plan. With the Mental Health Option, in-patient and day-patient psychiatric treatment is covered up to the limits in the Mental Health Option table. | 18 |
| Cancer cover | Personal Health offers two distinct levels of cancer cover, so the level held changes what is paid. | 5 |
| Scans and diagnostics | CT, MRI and PET scans are paid in full at a scanning centre listed in the AXA Directory of Hospitals, and require a specialist referral. Scans taken elsewhere attract only a cash payment. | 4 |
| Out-patient surgery | Out-patient surgery carries no yearly monetary limit. | 4 |
| Physiotherapy and therapies | Physiotherapy, acupuncture, osteopathy and chiropractic are covered only under the optional Therapies Option, and capped at ten sessions a year on GP referral. | 6 |
| Dental and optical cover | Optician cover pays 80% of prescribed glasses and contact lenses up to £200 a year, and is exempt from the pre-existing condition restrictions. | 7 |
| Treatment abroad | No treatment outside the UK, Channel Islands or Isle of Man is covered, and cover ends if the member moves abroad. | 30 |
| External prosthesis | An external prosthesis is covered up to £5,000 for the lifetime of the membership, paid without deducting the excess and without affecting the no-claims discount. | 5 |
| Underwriting types | Four underwriting routes are offered, which is what decides how a pre-existing condition is treated: full medical underwriting, continuing medical exclusions, medical history disregarded, and moratorium. | 14 |
| Second opinion | A second opinion from an alternative specialist is paid in full, and AXA will help find the specialist. | 10 |
| Hospice donation | A hospice donation of £100 a night is paid directly to the registered hospice providing end-of-life care, including hospice-at-home. | 24 |
Digital GP
Your membership provides access to the AXA Doctor at Hand service for video or phone consultations. Your membership does not cover any other primary care services, such as any services that could be provided by GPs, dentists and opticians.
Video and phone GP consultations are included as standard through AXA Doctor at Hand. No other primary care is covered. (page 12)
Mental health cover
If you have the Mental Health Option, we will pay for in-patient or day-patient psychiatric treatment, including specialist fees, as shown in the Mental Health Option table.
Mental health cover is an optional add-on, not part of the core plan. With the Mental Health Option, in-patient and day-patient psychiatric treatment is covered up to the limits in the Mental Health Option table. (page 18)
6 insurers in our set document this. See mental health cover compared across 6 UK insurers.
Cancer cover
There are two levels of cancer cover with Personal Health. They are Comprehensive Cancer Cover and NHS Cancer Support.
Personal Health offers two distinct levels of cancer cover, so the level held changes what is paid. (page 5)
4 insurers in our set document this. See cancer cover compared across 4 UK insurers.
Scans and diagnostics
CT, MRI or PET scans Paid in full at a scanning centre, or hospital listed as a scanning centre, in our Directory of Hospitals. A specialist must refer you.
CT, MRI and PET scans are paid in full at a scanning centre listed in the AXA Directory of Hospitals, and require a specialist referral. Scans taken elsewhere attract only a cash payment. (page 4)
Out-patient surgery
If you're an out-patient Surgery No yearly limit
Out-patient surgery carries no yearly monetary limit. (page 4)
Physiotherapy and therapies
Therapies Option table Fees for out-patient treatment by physiotherapists, acupuncturists, osteopaths or chiropractors No yearly limit that can include up to an overall maximum of ten sessions in a year on GP referral
Physiotherapy, acupuncture, osteopathy and chiropractic are covered only under the optional Therapies Option, and capped at ten sessions a year on GP referral. (page 6)
4 insurers in our set document this. See physiotherapy and therapies compared across 4 UK insurers.
Dental and optical cover
Optician fees 80% of the cost of prescribed glasses and contact lenses, up to £200 a year. This benefit is not subject to the restrictions for pre-existing conditions
Optician cover pays 80% of prescribed glasses and contact lenses up to £200 a year, and is exempt from the pre-existing condition restrictions. (page 7)
4 insurers in our set document this. See dental and optical cover compared across 4 UK insurers.
Treatment abroad
We do not cover any costs for treatment you receive outside the UK, Channel Islands or Isle of Man. We do not cover any costs for treatment if you live outside the UK.
No treatment outside the UK, Channel Islands or Isle of Man is covered, and cover ends if the member moves abroad. (page 30)
3 insurers in our set document this. See treatment abroad compared across 3 UK insurers.
External prosthesis
External prosthesis Up to £5,000 for the lifetime of your membership. We will pay this benefit towards the cost of providing an external prosthesis. If you have an excess, we will not take this off this cash payment. Also, it will not affect any no claims discount you have.
An external prosthesis is covered up to £5,000 for the lifetime of the membership, paid without deducting the excess and without affecting the no-claims discount. (page 5)
Only 2 of the insurers whose wording we hold address external prosthesis, so there is no comparison page for it yet.
Underwriting types
(full medical underwriting) Continuing medical exclusions Medical history disregarded Moratorium. In the following panels, we've explained how each of these work
Four underwriting routes are offered, which is what decides how a pre-existing condition is treated: full medical underwriting, continuing medical exclusions, medical history disregarded, and moratorium. (page 14)
Second opinion
Getting a second opinion If you would like a second opinion we will help you find an alternative specialist we'll pay in full.
A second opinion from an alternative specialist is paid in full, and AXA will help find the specialist. (page 10)
Hospice donation
Donation to a hospice where you are having end of life care, or a donation to a service providing hospice at home... £100 for each night. This is a charitable donation paid direct to a registered hospice
A hospice donation of £100 a night is paid directly to the registered hospice providing end-of-life care, including hospice-at-home. (page 24)
Only 2 of the insurers whose wording we hold address hospice donation, so there is no comparison page for it yet.
What this document does not settle
- six-week option: not mentioned anywhere in this document. That is not proof it is unavailable, but it cannot be confirmed from the wording we hold.
The other documents we hold
- Aviva Healthier Solutions — 14 benefits quoted from its April 2025 document.
- Bupa By You — 10 benefits quoted from its 2024 document.
- Freedom Health Insurance Freedom Elite — 4 benefits quoted from its April 2025 document.
- Saga HealthPlan Super — 5 benefits quoted from its May 2025 document.
- The Exeter Health+ — 10 benefits quoted from its October 2025 document.
- WPA Complete Health — 10 benefits quoted from its November 2025 document.
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This quotes one document at one point in time, and insurers revise wording at renewal. It is general information rather than advice, and it cannot tell you what AXA Health would offer you personally — that turns on your medical history and the underwriting you accept. See also the guide to comparing UK cover and the list of FCA-authorised brokers.