If you searched for an AXA Health insurance online quote, you want a price from AXA, and the first thing to say is that this page cannot give you one. This site is not AXA Health, does not sell AXA's policies and has no way of quoting them. AXA sells direct: you can go to its own website, enter your details and get a Personal Health quote from AXA yourself. What this site does is put readers in touch with one FCA-authorised broker, who will price the same cover across several insurers, AXA among them, in a single conversation. If that is the route you want, fill in the form on this page; it is free, takes a few minutes, and commits you to nothing.
Either way, what comes back is a quote, and a quote is only as useful as your ability to read it. So the rest of this page is about what AXA's own policy wording says a quote turns on: the underwriting route, the excess, the out-patient lines, the two levels of cancer cover and the options. Whoever's quote lands in your inbox, you should know what you are looking at.
Two ways to get an AXA Health quote online
AXA Health is the current name of the insurer that long traded as AXA PPP healthcare, which is why older searches still say "AXA PPP health online"; the handbook quoted on this page is published by "AXA Health (AXA PPP healthcare)". Its direct route is its own website: you enter your details, choose your options, and get a quote from AXA for AXA's policy. If you have already decided on AXA and know which options you want, that is a perfectly good way to buy, and it needs no broker.
The second route is a broker. A broker does not sell you a different AXA policy, and we will not claim they get it cheaper, because we do not know that and nobody should promise it. What a broker adds is breadth: your age, postcode, medical history, preferred hospitals and budget go to several insurers at once, and the quotes come back side by side, so you can see whether AXA's underwriting route, excess and out-patient terms are the ones you want before you commit. The broker this site introduces is FCA-authorised. This site is not, and it does not give advice; it introduces you and may be paid for doing so. So: no open question, go direct; even one, and the comparison is the point.
One more thing to be clear about. Many searches that land here are not from buyers but from existing AXA Health members looking for the member portal, a phone number, the hospital directory or the online GP. Those live on AXA's own site, not here; there is a short section on them further down, and it mostly says "go to AXA".
Underwriting and the excess: the two lines that shape the price
Everything quoted below is from AXA Health's Personal Health membership handbook, October 2024 edition, read on 4 September 2026. One caution about the source. AXA does not, as far as we can find, publish this handbook openly on its own website; the copy we read is hosted in a broker's document library. It is AXA's text, but it is one edition hosted by an intermediary, and the handbook that comes with your own policy is the one that binds. Where we hold no clause on something, we say so rather than fill the gap.
The underwriting route
A quote is priced for one particular way of handling your medical history, and the handbook names four:
"(full medical underwriting) Continuing medical exclusions Medical history disregarded Moratorium. In the following panels, we've explained how each of these work"
— AXA Health, Personal Health membership handbook (October 2024), page 14, read 4 September 2026. The clause is a list and appears exactly as it does in the extract we hold; the panels it refers to are AXA's explanations, which we have not reproduced.
Those four terms are used fairly consistently across the UK market, so what follows is their general meaning, not AXA's definition. Full medical underwriting means you declare your medical history when you apply, which is where the "AXA health questionnaire" people search for comes in, and the insurer decides up front what it will exclude. Moratorium means no questionnaire at application; conditions you have had in a set period before joining are excluded until you have gone a set period without symptoms, treatment or advice for them, and the test is applied when you claim. Continuing medical exclusions is generally the switcher's route, carrying across exclusions you already have. Medical history disregarded is usually a company-scheme route under which pre-existing conditions are covered. Your quote will say which of these it is priced on, and that line changes what a pre-existing condition means to you more than any other. If you have one, read AXA's panels before you buy.
The excess
The excess is the amount you pay towards a claim before the insurer pays, and across the market a higher excess buys a lower premium, which is why quote forms offer a row of them. We hold no clause from AXA's handbook on the excess: not its levels, not whether it applies per claim or per policy year, not whether it applies to each person on a family policy. So we will not state any of that, and nor should any page that has not read it. On your quote, look for three things: the figure, the period it applies to, and whether the out-patient lines described below sit inside it or outside it. If the quote does not make those clear, ask before you pay. A broker can price AXA at more than one excess level in the same conversation and set the results beside other insurers' quotes at the same levels; that side-by-side view is what the form on this page gets you.
What the quote includes: out-patient cover, cancer levels and the options
The price is half of a quote; the cover behind it is the other half, and the clauses below bear on reading it.
Out-patient surgery and scans
Two out-patient lines in the handbook's benefit table are unusually clear. The first is surgery done as an out-patient:
"If you're an out-patient Surgery No yearly limit"
— same handbook, page 4.
The second is the large scans:
"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."
— same handbook, page 4.
Two conditions sit inside that second clause, and both matter. "Paid in full" attaches to a scanning centre listed in AXA's Directory of Hospitals, the list behind the "AXA Health hospital directory" searches; which hospitals are on your list is a choice made on the quote, and we hold no clause on how AXA tiers its lists, so ask. And "a specialist must refer you": on this wording a GP referral alone does not bring these scans under the paid-in-full line.
What the extract does not give us is the limit on out-patient consultations and diagnostic tests, the specialist appointments and blood tests that get you as far as the scan. On most quotes that is a line with a yearly figure or the word "full", and it does as much as any line to decide both the price and whether the policy does what you imagined. Read it. We have not established AXA's figure, and a page that told you one without having read it would be guessing.
Cancer cover: two levels
"There are two levels of cancer cover with Personal Health. They are Comprehensive Cancer Cover and NHS Cancer Support."
— same handbook, page 5.
Your quote will carry one of those two names. The names suggest what each level does, but we hold only the clause naming them, not the tables that say what each pays, so we will not describe the difference beyond the names. Put it as a question instead, to AXA or to the broker: what does each level pay for, and what is the difference in premium. On any AXA quote it is the first thing to ask.
Mental health and therapies are options
"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."
— same handbook, page 18.
"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 or when you have physiotherapist treatment through our muscles, bones and joints service"
— same handbook, page 6.
Both are written as options: "if you have the Mental Health Option", "Therapies Option table". An online quote that comes back without them is not a wrong quote; it is a quote without those boxes ticked, and the box is the thing to check. The therapies entry is also a lesson in reading a limit, because it says two things at once: "no yearly limit" on the fees, and "up to an overall maximum of ten sessions in a year on GP referral". That reads two ways, as a cap of ten sessions a year, or as a ten-session maximum attached to the two routes it names — a GP referral, and physiotherapy through AXA’s muscles, bones and joints service — rather than to the fees as a whole, and the extract we hold does not settle which. Ask before you count on it. Dental and optical are a further option, covered on AXA Health dental cover, which we will not repeat here.
What is in as standard: the online 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."
— same handbook, page 12.
This is the clause behind "AXA Health online doctor", and it has two halves: membership gives access to AXA Doctor at Hand for video or phone consultations, and it does not cover any other primary care. So the online GP is not something you add on a quote, and a face-to-face private GP is not something the core membership pays for. "Doctor Care Anywhere" is searched alongside; the clause names only AXA Doctor at Hand, and we have not verified from AXA's documents who delivers it.
Reading the quote you get, from AXA or anyone else
Put together, the clauses give you a short list to read an AXA quote against, and most of it carries over to other insurers' quotes too.
| Line on the quote | What AXA's handbook says, in the clauses we hold | What to check |
|---|---|---|
| Underwriting | Four routes named on page 14: full medical underwriting, continuing medical exclusions, medical history disregarded, moratorium | Which one you are on, and what it does to any condition you already have |
| Excess | No clause held | The figure, the period it applies to, and whether the out-patient lines sit inside it |
| Out-patient surgery | "No yearly limit" (page 4) | That the quote matches the handbook |
| CT, MRI and PET scans | "Paid in full" at a scanning centre in the Directory of Hospitals, on a specialist's referral (page 4) | Which hospital list the quote is on |
| Out-patient consultations and tests | No clause held | The yearly figure, or whether the line says full |
| Cancer | Two levels: Comprehensive Cancer Cover and NHS Cancer Support (page 5) | Which one, and what each pays |
| Mental health | An option; in-patient and day-patient psychiatric treatment "as shown in the Mental Health Option table" (page 18) | Whether it is on, and the table's limits |
| Therapies | An option; "no yearly limit" with "up to an overall maximum of ten sessions in a year on GP referral" (page 6) | Whether it is on, and how the ten sessions work |
| Online GP | Doctor at Hand access comes with membership; no other primary care (page 12) | Nothing to tick; confirm it is there |
| Dental and optical | An option; see the dental page | Whether it is on |
Take that list to whichever quote you get, AXA's included. Where a line is blank or vague, that is the question to ask before paying; "not established yet" is a better position to buy from than a figure someone made up.
If you are already an AXA Health member, or want to be an AXA provider
This section is for the searches that are not about buying. If you are a member looking for "AXA Health member online", whether that means registering an account, the hospital directory, the specialist finder, booking a Doctor at Hand appointment, live chat or a phone number, none of it is here: this site is not AXA Health and has no access to your membership. The portal and the current numbers are on AXA's own site and your membership documents, and we do not reprint phone numbers, because they change and a wrong one on an emergency search is worse than none. If your cover is through an employer, your scheme documents say how to register; the route is still AXA's, not ours.
If you are a physiotherapist, therapist, clinic or hospital wanting to register as an AXA Health provider, that is AXA's provider team, not this site. The clauses above show why recognition matters to a member, since the scans line pays in full only at a centre listed in AXA's directory, but the application itself is AXA's.
If you are an existing member thinking about renewing or switching, that is a buying question again, and AXA Health: what it costs covers the price side of it.
Common questions
Is Health-on-Line part of AXA?
As far as we can establish, yes: Health-on-Line was an online brand within the AXA PPP healthcare group, and AXA PPP healthcare now trades as AXA Health. We have not verified the current arrangement from AXA's own documents, so if you hold a policy or a quote with the Health-on-Line name on it, ask AXA how it maps onto Personal Health and check the firm on the FCA register.
Can I get an AXA Health quote online without a broker?
Yes. AXA sells direct from its own website, and if you have settled on AXA and know which options you want, that is the straightforward route. A broker is for when you want AXA priced beside several other insurers in one go, or want the underwriting route and excess talked through before you choose; this site introduces one, and does not itself quote.
How does AXA private healthcare work?
In outline, like other UK private medical insurance: you are referred to a specialist, you check with AXA that the treatment is covered before it goes ahead, treatment happens at a hospital on your list, and AXA settles within the limits on your certificate after any excess. The clauses we hold put AXA's shape on that: Doctor at Hand for the first consultation, a specialist's referral for the large scans, and the Directory of Hospitals deciding where scans are paid in full. The full claims process is in the handbook, of which we hold clauses, not the whole.
What does AXA Health insurance cover?
From the clauses we hold: out-patient surgery with no yearly limit, CT, MRI and PET scans paid in full at a listed scanning centre on specialist referral, video and phone GP consultations through Doctor at Hand, and cancer cover at one of two levels, with mental health, therapies and dental as options. That is what the clauses establish; what your own policy covers is on your certificate. Anything not listed here is something we have not read, not something AXA does not do.
Will AXA ask me to fill in a medical questionnaire online?
It depends on the underwriting route your quote is on. Full medical underwriting means declaring your medical history when you apply; moratorium means no questionnaire at the start, with conditions from before you joined assessed when you claim. The handbook names four routes on page 14, and your quote will say which one it is priced on.
Does AXA Health have an online doctor?
Yes. The handbook says membership "provides access to the AXA Doctor at Hand service for video or phone consultations", and in the same breath that no other primary care is covered. So the online GP comes with the membership, and a face-to-face private GP does not.
Does AXA Health cover physiotherapy?
Under the Therapies Option, which is an option rather than part of the core plan. The clause covers "out-patient treatment by physiotherapists, acupuncturists, osteopaths or chiropractors" with "no yearly limit" on fees and "up to an overall maximum of ten sessions in a year on GP referral". Whether ten is a cap or the number available on GP referral alone is something the extract does not settle, so ask.
Does AXA Health cover mental health?
Under the Mental Health Option, which again is an option. The clause we hold covers "in-patient or day-patient psychiatric treatment, including specialist fees, as shown in the Mental Health Option table"; we hold the clause but not the table, so the limits are a question for the quote. Out-patient mental health treatment is not mentioned in the clause we hold, and we have not established how it is handled.
Will AXA Health pay for a specific thing, such as varicose veins or an ADHD assessment?
We hold no clause on either, and we will not guess. Whether a particular treatment is paid for turns on the underwriting route and whether the condition pre-dates the policy, on whether it is treated as acute or chronic, and on AXA's answer when it is checked with them beforehand. Ask AXA before anything is booked, and get the answer in writing.
You now have the list of what to look for on an AXA quote. The single next step, if you want AXA priced beside several other insurers rather than on its own, is the form on this page: a few details, and an FCA-authorised broker will come back with quotes you can hold against the table above.