AXA Personal Health Core Cover

In-patient and Day Patient Treatment

• Hospital Fees: Full cover including operating theatre costs, diagnostic tests, nursing care, drugs & dressings, and physiotherapy.

Out-patient Treatment

• Scans: Full cover for MRI, CT & PET scans.
• Surgery: Outpatient surgery is covered in full.

Comprehensive Cancer Cover

• Treatments and Consultations: Full cover for in-patient, day patient, and outpatient services.
• Chemotherapy and Radiotherapy: Full cover.
• Cancer Drugs: Full cover for high-cost drugs proven to treat cancer.
• Prostheses: Up to £5,000 a year.
• Hair Loss Coverings: Wigs and head coverings up to £400 a year.

NHS Cash Benefit

• Cashback: £50 a night up to £2,000 a year for treatment through the NHS that AXA would cover privately.

Home Nursing

• Nursing Services: Full cover for home IV antibiotic treatment.

Private Ambulance

• Transport: Paid in full.

Oral Surgery

• Dental Procedures: Full cover for specified treatments.

Parent Accommodation

• Hospital Stay: Full hospital accommodation for one parent and up to £100 a night towards a hotel (max £500 a year) for a child under 16 receiving treatment.

Correctional Ear Surgery

• Ear Surgery: Full cover for one operation for a child under 14.

Laser Treatment

• Dermatological Treatment: Full cover for port-wine stain improvements on the face for a child under 14.

Speech Therapy

• Sessions: Up to six a year for developmental delay for children under 14.

AXA Personal Health Optional Extras

Outpatient Cover

• Standard: Covers all diagnostic tests in full and 3 specialist consultations per year.
• Full: Unlimited specialist consultations, with no yearly limit.

Therapies Cover

• Treatment Options: Full cover for various therapies; max 10 GP referred sessions, unlimited if specialist referred.

Mental Health

• Comprehensive Benefits: Full cover for in-patient, day patient, and outpatient mental health treatments and consultations.

Dentist and Optician Cash Back

• Reimbursement: 80% of dental fees up to £400 and optical fees up to £200 each year.
• Eye Test: £25 towards an annual test.

Travel Cover

• European/Worldwide: Emergency medical expenses, including pre-existing conditions, plus travel benefits (lost baggage, delayed flights).
• Adventure Sports: Optional cover for activities like paragliding and bungee-jumping.

Extended Cover

• GP Consultations: Up to £500 each year for face-to-face sessions.
• Overseas Treatment: Covered up to UK treatment costs.
• Hospital Access: Any UK hospital, even if not listed in the Directory of Hospitals.
• Fee-Limited Specialists: Extra cover included.

Protected No Claims Discount

• Claims: Protection ensures your discount remains the same at renewal, no protection following the year of a claim.

Guided Option

• Hospital Selection: Any directory-listed hospital, with AXA-recognized consultants working within fee guidelines.

Underwriting Options

• Full Medical: Full medical history disclosure.
• Moratorium: Excludes cover for conditions treated or advised upon in the last five years, no full history needed initially.
• Switch: For existing insurance policyholders, with continued underwriting from the previous insurer after medical questions.