You want a figure for AXA health insurance. The position first: this site holds no AXA premium, monthly, yearly or "from", and nothing below pretends otherwise. The search is really deciding whether AXA Health is worth having priced for you, and in what shape: which options, which excess, which hospitals, because the shape is most of the answer. One FCA-authorised broker can build that shape and have AXA price it beside other insurers from one set of details; being put in touch costs nothing, and the form on this page does it. We are not the broker, we give no advice, and we may be paid if you go on to buy.
Where the UK market sits, and why none of it is AXA's number
A price question answered with nothing is no use, so here is the broad shape of the UK market, on one condition: this is the whole market, not AXA. Indicatively, and not as a quote, mid-market cover, with an out-patient allowance and a middling excess, tends to run around £30 to £60 a month for one adult in their thirties, and around £90 to £180 a month for one adult at or near 60. Two rows for two readers, and neither is yours: yours is a quote priced on you, which the broker named above gets from AXA and others at no charge. The rest of the rows, by age and household, are on what health insurance costs in the UK.
We hold no AXA pricing of any kind, so nothing says where a Personal Health quote would land against those bands, and a figure beside AXA's name would be a statement about AXA nobody here could stand behind. Nor is the bottom of a band where to expect to land: a premium down there is usually a policy with cover taken out of it.
Standard, option or setting: how an AXA membership price is built
AXA's own word for the policy is membership, after its Personal Health membership handbook, so the membership cost people search for is the premium; and the handbook's publisher is given as AXA Health (AXA PPP healthcare), so an AXA PPP healthcare cost is the same insurer's price under its older name. The clauses we hold carry no price, but they sort what moves one into three kinds.
What comes with the membership. Four things appear in the wording we hold with no option attached: GP consultations by video or phone through AXA Doctor at Hand, surgery as an out-patient with no yearly limit, scans (CT, MRI and PET) paid in full on a specialist's referral at a scanning centre in AXA's own directory, and cancer cover at one of two named levels. Each clause is quoted, with its page, on AXA Health: buying online. None is where a cheaper quote comes from, except cancer cover: two levels, a quote assumes one, and which one is the first line to read.
What is an option, priced on top. Mental health cover and therapies are each written as an option in AXA's wording, and the page on AXA Health dental cover treats dental and optical as a further one. Those are where a quote comes in lower by leaving something off; a quote missing one prices a policy without it. The mental health and therapies clauses are quoted on the buying-online page.
What is a setting, priced by you. The excess, the hospital list and the out-patient limit are three settings that move a premium, and on all three we hold no AXA wording: not the excess levels AXA offers, not how its hospital lists are tiered, not whether out-patient consultations and tests carry a yearly figure. The direction holds across the market: a higher excess, a narrower hospital list or a lower out-patient limit usually brings the premium down; by how much, only a quote says. There is more on the first two on the pages for AXA Health's excess and AXA Health's hospital lists, and on what an excess is across other insurers' wordings.
One AXA sentence we do hold touches two of those settings sideways. The benefit line for an external prosthesis, paid as a cash sum, ends:
"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."
— AXA Health (AXA PPP healthcare), Personal Health membership handbook, October 2024, page 5, read 4 September 2026. The PDF we read sits on an intermediary's system rather than AXA's own site; the handbook in your policy pack governs you.
Read it for what it shows rather than what it pays: a member may have an excess and may have a no claims discount, so both are in AXA's vocabulary. The levels, what a discount is worth and what a claim does to it are not in the sentence; the page on AXA Health claims takes the discount as far as the evidence goes.
The fourth thing that shapes the number is you: the underwriting route the quote is priced on, which decides what your medical history excludes. AXA's handbook names four; the clause is quoted on do insurers cover pre-existing conditions?, and the page on AXA Health and pre-existing conditions works through them. Two quotes on different routes are not two prices for the same thing.
So have the settings priced more than one way: AXA at two excess levels, with and without the options you are unsure about, then the same specification at a second insurer. A broker can run all of that from one set of details at no charge, and the form on this page opens the conversation.
What to ask once an AXA quote is in front of you
A quote is a number with a specification underneath, and the specification is what to check. Take these to whoever quotes you and get the answers written on the quote.
- Which underwriting route is this priced on, and what will it exclude for me?
- Which of the two cancer levels does it assume, and what is the difference in premium between them?
- Are the Mental Health Option, the Therapies Option and dental and optical on or off, and what does each add?
- What excess is it priced on, how often is it charged, and does it apply to each person on the policy?
- Which hospital list is it on, and are the hospitals I would actually use in it, including a scanning centre in AXA's directory?
- Is there a yearly limit on out-patient consultations and tests, and what counts against it?
- Is any no claims discount built into the figure, and what happens to it after a claim?
Seven answers beside one number is a finished quote; a number alone is an unfinished one, not a cheap one.
Cost searches that are not asking about a premium
"AXA health cost" is typed by people after four different numbers, and only one, the premium above, is the cost of cover.
A health assessment, health check, MOT or screening. These price something bought once, not cover paid monthly, and we hold no AXA price for one. The one AXA clause we hold on primary care says the membership covers none beyond Doctor at Hand (quoted on getting an AXA Health quote), so do not assume a check-up sits inside the policy. A blood test ordered while a symptom is investigated is not the same as one bought in a screening package; ask AXA which line, if any, pays for yours before it is booked.
Prescriptions and weight-loss drugs. The cost of a prescription, or of Mounjaro, is really a question of whether the policy pays for medicine at all. We hold no AXA clause on it; the page on AXA Health's discounts and offers says what little can be said.
The schedule of procedures and fees. A document for the other side of the transaction: a fee schedule sets out what an insurer will pay the specialists and hospitals treating its members, and we have not read AXA's. It is not what a policy costs, but where a consultant charges above what a schedule allows the gap can fall to the patient, so ask whether it would under AXA's wording before treatment, not after.
Other things people ask about AXA Health's price
How much is AXA health insurance per month, and per year?
We hold no AXA figure for either, and no AXA price list, since a premium is built on the person rather than published. The only range on this page is the market's, not AXA's, and it is monthly; in years it is exactly twelve times, so the indicative £30 to £60 a month for one adult in their thirties is £360 to £720 a year. Ask for both figures on the same quote; we hold nothing on whether paying monthly costs more over the year.
Is Bupa or AXA better, or cheaper?
Neither has an answer here. This site does not rate insurers or recommend a policy, and is not authorised to; with no premium data for either firm, "cheaper" is only answerable with two quotes on the same settings. They are separate companies, whose documents we hold separately; what Bupa health insurance costs has a page of its own.
Why has my AXA Health premium gone up?
We hold no AXA wording on how renewal prices are set, so this page will not guess at the reason for yours. The general pattern, and what to ask before accepting a renewal, is on what to expect at renewal.
How much is AXA Health for a business or its employees?
We have read no AXA scheme wording, only the individual Personal Health handbook, so what AXA charges an employer is not ours to describe. Start with what company health insurance costs. As we understand the general position, an employee is normally taxed on employer-paid cover as a benefit in kind, which health insurance and tax sets out; that is our understanding, not tax advice.
Are AXA Health Max, AXA Health Access and AXA Mansard the same product as this?
We hold no UK document under any of those names; the one AXA product whose handbook we have read is Personal Health. AXA Mansard, as far as we know, is AXA's Nigerian business, not a UK insurer, and nothing on this site, which is about UK cover, applies to it. If a quote carries a name that is not on your handbook, ask which document governs it.
AXA's number does not exist until someone has priced you, and most of it is choices you have not made yet. Make them, then have them priced: by AXA direct if you have settled on AXA, or, for AXA's figure beside two or three others on the same settings, by sending the form on this page.