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On the AXA Health Plan you build cover from four blocks: out-patient diagnosis and care, in-patient and day-patient care, cancer care, and mental health care. There's no compulsory core, so you take only what you want. Every policy also includes online GP appointments, a 24/7 health support line, a mental health support app, an annual home test kit and member discounts. Personal Health, the broker-available plan, works differently, with core in-patient and day-patient cover included and modules added on top.

Not the AXA Health Plan, which is sold direct by AXA only. Personal Health and Health For You are available through brokers. This matters if you want your AXA quote compared against the wider market, since a broker can place those two but not the AXA Health Plan.

Not on the AXA Health Plan. It excludes all previous cancers permanently, regardless of how long ago the cancer occurred or how long it's been in remission. Most other insurers treat cancer like any other pre-existing condition, meaning it can become covered after two continuous symptom-free years under moratorium. If you're a cancer survivor, this makes the AXA Health Plan a poor fit and it's worth comparing insurers with standard moratorium terms instead.

Yes, as one of the four building blocks, covering in-patient, day-patient and out-patient treatment including psychiatrist consultations and CBT therapist and psychologist fees. Two conditions apply: it can't be bought on its own, so you need at least one other block, and it isn't available at all to anyone referred to a psychiatrist in the past five years.

Three years on the AXA Health Plan, shorter than the five-year period most insurers use, which can mean fewer exclusions at the start. There are exceptions though: if you've had diabetes or related tests in the past five years, several related conditions are excluded, and similar restrictions follow a raised PSA result. The AXA Health Plan doesn't offer full medical underwriting as an alternative.

Usually yes, but not for its muscle, bone and joint service or its cancer diagnostic service, both of which you can self-refer into. Any specialist you then see still needs to be on AXA's approved list.

Yes, on the AXA Health Plan. Each person named on the policy can select their own combination of building blocks, and you can add up to eight members spanning four generations including grandparents, with no requirement that everyone lives at the same address. There's a maximum joining age of 74, and no family discount is applied.

£0, £100, £250, £500, £1,000 or £2,500 on the AXA Health Plan. A higher excess lowers your premium but means paying more towards a claim, so the right level is usually the most you'd comfortably pay if you needed treatment tomorrow.