Aviva Health Insurance review

AXA Health Insurance

If you're considering health insurance options, AXA Health is another prominent name you may encounter. As part of AXA Group, one of the world’s leading insurance providers, AXA Health offers a variety of private health insurance plans tailored to meet the needs of individuals and families across the UK. With a commitment to innovation and customer service, AXA Health aims to provide comprehensive coverage that supports your health and well-being.

Who are AXA?

AXA is a multinational insurance company headquartered in Paris, France, and is one of the largest insurance providers globally. Established in 1817, AXA operates in over 50 countries, offering a wide range of products, including life, health, and property insurance.

In the UK, AXA Health focuses on health insurance solutions, emphasising innovation and customer care. The company is committed to sustainability and corporate social responsibility, aiming to support the well-being of its customers and communities. For more detailed information, you can visit AXA's official website.

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A Closer Look at AXA Health Insurance

AXA Health Insurance offers a variety of plans designed to meet the diverse needs of individuals and families across the UK. With a commitment to providing comprehensive healthcare cover, AXA Health focuses on ensuring that policyholders have access to high-quality medical services when they need them most.

Their health insurance has three policy options:

Personal Health Insurance:
AXA's personal health insurance plans provide extensive coverage for a range of medical treatments, including consultations, surgeries, and hospital stays. Policyholders can choose their preferred specialists and hospitals, ensuring personalised care.

Health for You:
This more affordable option is tailored for those seeking essential coverage without compromising quality. It includes access to necessary medical treatments, encouraging proactive health management.

Inspire Health:
The Inspire Health plan provides an affordable option for private medical care, exclusively at Spire Healthcare hospitals. This plan allows you to customise your coverage while benefiting from fast access to quality treatment and the choice of specialists. With its focus on cost-effectiveness and limited hospital access, Inspire Health empowers you to take control of your health without breaking the bank.

Key Features of AXA Personal Health Policy

Personal Health like all AXA policies are modular and can be tailored to suit:

Core Cover

This is the standard offering from Aviva healthcare insurance:

  • Consultations and/or treatment with a specialist
  • Diagnostic tests and scans such a MRIs
  • Hospital charges
  • Full cancer cover
  • Home Nursing
  • Private Ambulance
  • Digital GP Service
  • Out-patient mental health treatment

Ways to Enhance Cover

This option allows you access to ‘optional add-ons’ that aren’t available with a Core Cover policy.
Enhanced Cover included everything in the Core Cover package, with the option to add the following:

  • Dental and optical cover (£250 for routine dental, £600 accidental dental injury plus £150 towards glasses and contact lenses)
  • Up to 28 days of mental health treatment, whether as an in-patient or day-patient
  • Other treatments and therapies like osteopathy, physiotherapy, and chiropractic
  • Extended hospital list (Access to full UK list including Central London facilities)
  • No Claim Discount protection

Ways to Reduce Cover

This cover allows you to keep your premiums down by removing elements of the Core Cover you don’t need. Here's what you can remove:

  • Reduced out-patient options
  • Six-week option: (you can’t claim for private treatment if a treatment is available on the NHS within six weeks of a specialist recommending it)
  • Member excess options (£100, £200, £500, £1000, £3000 & £5000)
  • Hospital options (you have a smaller choice of hospitals)
  • Expert Select (Guided Option): If you ask for Aviva’s help when choosing a specialist or hospital at the point of claim this makes your policy cheaper.

What’s Not Covered by Aviva Health Insurance

Like most health insurance policies, Aviva medical insurance doesn’t cover pre-existing health conditions, so you already have conditions you already have when taking out a policy.

However, if after two years of taking out a policy, you haven’t required medication, treatment, diagnostic tests or advice for the condition, the exclusion is usually lifted.

Aviva private health insurance also doesn’t cover chronic conditions. This refers to a disease, illness or injury that needs ongoing or long-term care. Examples of chronic conditions are arthritis, epilepsy, and asthma.
Treatment for pregnancy and childbirth are also not included, but related conditions that can happen outside of pregnancy and childbirth are.

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Additional Features & Benefits

Where Aviva healthcare insurance really excels is with its range of well-being services. These not only help customers stay fit and healthy, but they can also save them money.

The Get Active feature gives customers access to offers and discounts at gyms and health clubs across the UK.

MyHealthCounts encourages customers to improve their fitness with a promise of a discount at renewal. An online health assessment gives customers a 'Q' score. The higher the score, the lower your health risk and the bigger the discount.

Aviva medical insurance customers also have access to the Stress Counselling helpline. The helpline gives Aviva customers confidential access to a trained counsellor 24/7, 365 days a year.

Aviva Digital GP allows members to access guidance from a private GP via the Aviva app, with unlimited video consultations per member per policy year, 24/7.Through this service you can be referred for Specialist consultations via your policy as well as access the private prescriptions delivery service.

Benefits Of An Aviva Health Insurance Policy

Customers can pick and choose what is and isn't included in their policy. We’re all different and we all have different needs, not to mention different budgets.

The well-being services that come with an Aviva health insurance policy encourage customers to focus on their health and lead a healthier lifestyle.

Being able to access treatment close to home can offer peace of mind. The hospital list with Aviva private healthcare insurance gives customers more choices regarding where they receive treatment.

Potential Drawbacks When Taking on Aviva Health Insurance

Cost

Aviva’s private healthcare insurance, like most other providers can be expensive and therefore not suitable for some budgets. However, it's worth remembering that one of the standout features of Aviva’s healthcare insurance is its flexibility. The modular design allows you to customise your cover based on your budget. This means you can adjust your level of cover to ensure you only pay for what you truly need while still enjoying comprehensive health benefits.

Some Pre-Existing Conditions May Not Be Covered

All insurance policies have exclusions and limitations, so make sure you check the policy documents carefully before committing to Aviva medical insurance. This is especially important if you have a pre-existing condition or need a particular treatment. If you join on Moratorium or Full Medical Underwriting there may be some medical exclusions from inception of the policy.

Final Thoughts from Us

For those looking for flexible health cover that’s tailored to their specific needs, Aviva health insurance has a lot to offer.

Aviva's additional well-being services can support customers in working on their fitness and improving their quality of life - you can’t really put a price on that.

Compare My Health Insurance work with top-rated FCA-regulated health insurance brokers who will assess your needs, utilise available resources, and regularly review your coverage to ensure you are getting the best the market can offer.

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