A Genuinely Modular Policy

Where some insurers offer a couple of fixed tiers, AXA's Personal Health plan is built from individual blocks: core inpatient and day-patient cover, plus optional building blocks you add on top. The key difference from competitors is that on a family policy, each person can choose their own combination, rather than everyone being locked into the same tier.

Core cover includes inpatient and day-patient treatment, comprehensive cancer care, diagnostic tests including CT, MRI and PET scans, and an NHS hospital cash benefit. Free cover for newborns is included until the policy's next renewal date.

Exclusions Stricter Than Some Competitors

AXA's core cover is strong, but two specific exclusions are worth knowing about upfront, since they're stricter than what several other insurers offer.

Excess: Once A Year, Not Per Claim

Choosing a higher excess is one of the fastest ways to lower your AXA premium. Unlike some insurers that can charge an excess on every separate claim, AXA applies it once per policy year, so if you make more than one claim in the same year, you won't pay the excess again.

This is exactly the kind of detail worth checking on any policy before you buy, not every insurer structures their excess this way, and it can make a meaningful difference if you ever need more than one course of treatment in the same year.

How Much Does AXA Health Insurance Cost?

Because AXA is modular, your premium depends entirely on which building blocks you choose. Opting into AXA's guided specialist network (rather than fully open choice), raising your excess, and building a leaner plan for younger, healthier family members are all ways to bring the cost down without losing core protection.

Age	Example Monthly Price
30	£42.05/mo
40	£51.75/mo

Example prices published directly by AXA (correct as of 14 April 2026) for a non-smoker in Bournemouth with outpatient cover, inpatient cover (up to 3 consultations), cancer cover, a £250 excess and AXA's foundation hospital network. Your own quote will vary by age, location, excess and the exact building blocks you choose.

For a fuller picture of what drives cost across UK insurers, see our health insurance cost guide and free price calculator, or get a personalised SmartQuote below.

AXA For Business

AXA has a particularly strong presence in the employer benefits market, and its modular structure translates well to corporate schemes, letting businesses offer flexible cover levels across teams with very different needs and budgets.

See how AXA compares for small business cover against other leading providers.