AXA Health and Aviva both set out wording for 5 of the same benefits. This compares what each policy document says, benefit by benefit — only the benefits both address are shown, so every line is a like-for-like comparison rather than a gap.
| Benefit | AXA Health — Personal Health | Aviva — Healthier Solutions |
|---|---|---|
| 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. | Dental and optical sit in a separate benefit group, and claiming on them does not reduce the no-claim discount. Accidental dental injury is covered up to £600. |
| 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. | Up to £5,000 is contributed towards the first prosthesis after surgery, including the cost of fitting it. |
| 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. | A hospice donation of £70 a day is paid, capped at 10 days. |
| 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. | Out-patient mental health treatment is capped at £2,000 a policy year and requires a GP referral to a psychiatric therapist or specialist. |
| Treatment abroad | No treatment outside the UK, Channel Islands or Isle of Man is covered, and cover ends if the member moves abroad. | Treatment outside the UK is not paid for at all. |
Where they actually differ
- mental health cover: AXA Health offers it as an add-on, while Aviva includes it, with a stated limit.
Those are the lines that change a claim. Where both include a benefit, the detail that separates them is usually the limit and whether a referral is needed — which is why the wording above is worth reading in full, not just the fact that a benefit appears on both.
The full document for each
- AXA Health Personal Health: every benefit we have quoted
- Aviva Healthier Solutions: every benefit we have quoted
Get a quote for either — or the whole market
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Sources
- AXA Health — Source: Personal Health membership handbook, October 2024, read 4 September 2026.
- Aviva — Source: Healthier Solutions Terms and conditions (April 2025), read 4 September 2026.