AXA Health

About AXA Health

Why choose AXA Health?

AXA Health has been helping people to access the medical care they need since 1940. Their ambition is to empower more people to be the best version of themselves, with a strategy of developing a more comprehensive offer for private medical insurance and non-insurance products.

AXA Health offers a broader range of services including health maintenance and disease prevention through new innovations in health and wellbeing.

What benefits could I receive?

In-patient treatment with comprehensive cancer cover
Cover for out-patient consultations and treatment
Cover for musculoskeletal conditions
Cover for mental health conditions
Employee assistance programme
Dentist and optician cashback
Worldwide or European travel cover
Private GP allowance
Routine management of some chronic conditions
Extensive hospital coverage
Guided treatment options to reduce cost

What does AXA Health offer?

Services to support you when you need it:

Doctor@Hand – online / telephone GP
Fast track appointments – when you need to see a specialist quickly
Second opinion service – giving you peace of mind when you need it the most
Expert help – medical advice over the phone any time of day
Proactive Health Gateway – personalised health and wellbeing support and advice
Member Online – online portal for all your membership needs

Get access to treatment without the need to see your GP:

Working Body for muscle, joint or bone conditions
Stronger Minds for mental health conditions when you have mental health cover
Cancer clinics for breast, skin and prostate diagnosis

Member offers

AXA Health offers all the benefits your employees should expect from their healthcare cover, plus incentives to support their health and wellbeing. 

Nuffield Health’s fitness and wellbeing centres are a great place to develop healthy habits or try something new, and you can get 40% off as an AXA Health member. Or you can keep fit when visiting the gym is not an option with their 24/7 online-only membership.

You can also get up to 40% off with a Hussle Monthly+ pass, where you can visit multiple gyms from a range of over 2,000.

To remind your people about their benefits, why not share AXA Health’s ready-to-go flyers? You'll find information about everything they offer to help your people stay well, including AXA Health’s 24/7 health support line, discounted gym memberships, 24/7 online GP service, and phone and video physiotherapy service.

CPME medical declaration

If you would like to consider moving your company’s group medical insurance plan, please read the following:
This page sets out the medical declaration for the recommended health insurer. As the group secretary for the plan you will be required to sign this declaration to the best of your knowledge.

Should you not be able to sign this declaration, we will require full details of treatment and will refer the information to the insurer’s underwriters for their consideration

1 or 2 employees (applying for CPME terms):

Have you or anyone to be covered under this plan, had treatment in hospital or consulted a specialist in the last 12 months?
Do you, or anyone else to be covered under this plan have any treatment, consultations, investigations, or diagnostic tests, planned or pending?

3+ employees (applying for CPME terms):

I declare that to the best of our knowledge and belief, no one to be insured on this plan has been diagnosed with or has received any form of treatment / consultation for cancer in the past 12 months and no one has any medical condition likely to result in the need for an in-patient stay in hospital. 

Ongoing claims agreement

The ongoing claims agreement gives existing Towergate clients complete peace of mind that AXA Health will provide cover for any claims that have already been authorised and the security of knowing that treatment pre-authorised by their previous insurer will be honoured. AXA Health will commit to paying any treatment costs that your previous insurer had agreed to cover, even where the treatment falls outside the usual terms of your AXA Health policy.

For group sizes of 3-19 employees, members who have ongoing or pre-authorised treatment in the three months prior to joining AXA Health, will be paid in full, for the first three months after joining.
For groups sizes of 20+ employees, members who have ongoing or pre-authorised treatment in the six months prior to joining AXA Health, will be paid in full, for the first twelve months after joining.

If you become aware of any changes to the information provided prior to the start date of the policy, you must notify us as this may affect the terms offered by the insurer. 

Member eligibility

This page sets out the group member eligibility rules for this insurer:

All SME policies are intended to cover employees, directors and any other nominated people who work in an active trading company based in the UK, with legal status that allows them to contract with AXA Health.

All premiums must come from the company bank account.
The company must pay the premiums for all employees. They may deduct from salary the premium for any dependents but must not deduct the premium for the employee from salary.
Employees must be PAYE and actively work for the business and P11d contributions must be met.

However, in certain cases this won’t apply as they don’t take a salary i.e.:

Registered company directors – we will need the director’s name to check against Companies House to make sure they are registered as a director.
Company partners (i.e. someone who part owns the business) and LLP (Limited Legal Partnership) – we must confirm on the phone to AXA Health (so recorded) or in writing that the person holds an executive role within the company.
Shareholders – we will need confirmation this individual has a significant role within company (the individual cannot just hold shares in a company).
Sole traders – as long as the individual contracts to the relevant company and does not work for any other business then they can be included.

All group members must be permanently resident in the UK.

Please speak to your consultant if you would like to provide cover for anyone that falls outside of this definition as we may need to seek authorisation from the insurer.