Private medical insurance

What's included

• Full private in-patient cover
• Full cover for day patient procedures
• Cancer cover
• Up to £1,000 out-patient cover
• Exclusive claims service
• A choice of underwriting options
• Optional worldwide travel cover with no upper age limit
• No claims discount up to 50%

Member update - 14 April 2022

Some members will be aware that, as well as arranging private medical insurance (PMI) for NARPO members, we have for many years also arranged travel insurance with AXA Health.

Following a decision by AXA Health to close the member travel scheme, our team have been experiencing incredibly high call volumes for many weeks now, with members seeking information about travel insurance options. We are aware that, as a result of these high call volumes, some members have found it difficult to contact our team to discuss the renewal of their PMI policy. We apologise for this and are putting in place new call routing options to ensure that members calling to discuss the renewal of their PMI policy can speak with our team.

We would like to thank all members for their continued patience. If members have both a PMI and a travel insurance policy arranged by us, our team are not able to provide any additional information about travel insurance at this time, so we would ask members not to call our team unless they have a PMI policy due for renewal. A separate update regarding the NARPO travel scheme can be found here.

Thank you

The Towergate Health & Protection Team

Good to know

There is no qualifying period before claiming, however, an excess of £100 per person per year is payable in the event of making a claim.

Applicants will have the option to select from either moratorium or medical history disregarded (MHD*) underwriting. 

Moratorium underwriting terms have proven to be particularly good value for members joining the plan. A two year moratorium ensures that new conditions occurring after a member joins the plan are covered immediately. Conditions that occurred over five years before a member joined the plan will also be covered immediately, provided that the condition has completely cleared - no symptoms, medication, advice, and treatment, in the previous five years.

Conditions that have occurred during the five years prior to joining the plan are subject to a two year qualifying period (moratorium). These conditions will become eligible once you have been a member on the policy for 2 consecutive years and you have been completely free of any form of treatment, medical advice, drugs, medicines or special diets relating to that condition, for 1 consecutive year after joining the policy.

Premiums for the MHD* option are usually higher, but applicants selecting MHD* will be covered for pre-existing acute medical conditions.

There is no qualifying period.

*MHD will only be available to members who meet AXA Health's declaration.

The role of Towergate Health & Protection and NARPO

Towergate Health & Protection is an independently authorised broker, who acts on your behalf.

To support their members, NARPO works with Towergate Health & Protection to enable Towergate Health & Protection to market the policy, for which NARPO receives a fee.

Towergate Health & Protection negotiates the overall renewal terms AXA Health offers on this plan, with NARPO agreeing the recommendation. NARPO has no other role within the administration of this arrangement.

For clarity, there is no commercial agreement between AXA Health and NARPO, who do not represent you or negotiate any aspect of your annual travel / healthcare insurance with AXA Health healthcare.

This policy is an individual contract of insurance between you and AXA Health. The subscriptions under this arrangement are set each year by AXA Health to take in to account the claims made by all the members of NARPO and their family members covered under the product.