Alyssa Lane
AXA PPP Health Insurance is a leading provider of health insurance in the UK, with over 70 years of experience and more than 2 million customers. AXA PPP offers a range of health insurance products, including comprehensive cover for businesses of all sizes and international coverage with evacuation and repatriation as standard. Their core policy, Personal Health, covers treatment for a range of conditions, including inpatient and day-patient treatment, outpatient surgery, cancer diagnostics and treatment, and mental health options. AXA PPP's health insurance plans are flexible and can be tailored to meet individual needs and budgets. However, it's important to note that AXA PPP does not cover pre-existing health conditions or certain long-term illnesses.
| Characteristics | Values |
|---|---|
| Number of members in the UK | Over 2 million |
| History | Over 70 years |
| Core cover | Inpatient treatment |
| Add-ons | Three levels of outpatient cover, therapies, mental health treatment and travel cover |
| Cancer cover | Comprehensive cancer cover |
| Heart cover | Radiotherapy |
| Heart and cancer support | Dedicated team of cancer nurses |
| International cover | Evacuation and repatriation |
| Marine medical cover | Off-the-ship evacuation |
| Number of hospitals | 250 |
| Range of hospitals | Private facilities across the UK |
| Rating | 4.5 out of 5 stars |
| Awards | Best Direct Healthcare Provider at the Your Money Awards, Best Private Medical Insurance Company in the Your Money Direct Awards |
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What You'll Learn
AXA PPP's Personal Health insurance plan
AXA PPP is a leading provider of health insurance in the UK, with over 70 years of experience and more than 2 million customers in the UK alone. They offer a full range of health insurance products, including their core policy, "Personal Health", which covers treatment for a range of conditions. AXA PPP's health insurance plans are known for their flexibility, allowing individuals to choose the cover that best suits their needs and requirements.
The "Personal Health" plan provides fast access to private healthcare, covering new conditions that arise after the policy is taken out. It includes three levels of outpatient cover, therapies, mental health treatment, and travel cover. AXA PPP also offers a range of cost-controlling options, such as a choice of excess levels, to ensure that their plans are accessible to people from all walks of life.
For those seeking international coverage, AXA PPP provides evacuation and repatriation services as standard, ensuring that customers can receive treatment abroad and be brought back to the UK when they are well enough to travel. This sets them apart from many other international private medical insurance providers. Marine medical cover is also available, including off-the-ship evacuation if needed.
AXA PPP has also developed smart health and wellbeing solutions to support businesses and their employees in managing emerging challenges, such as inactive lifestyles, mental health issues, and stress. They provide a website with recipes, articles, and advice to promote wellness among their customers. Additionally, they are the only 'big 4' insurer that allows customers to submit claims online, protecting their privacy and providing convenience.
AXA PPP's commitment to redefining standards and offering comprehensive services has solidified their position as a trusted name in the UK health insurance sector. Their long history, innovative features, and dedication to supporting customers' health and wellbeing make them a reliable choice for those seeking flexible and tailored health insurance plans.
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Cancer cover
Cancer insurance is a specialised type of health insurance that provides financial and healthcare protection against the high costs of cancer treatment. It offers a lump-sum payout upon diagnosis to help ease the financial burden of cancer treatment. This payout can be used to cover medical bills, hospital stays, medications, and even non-medical costs like travel and accommodation. Cancer insurance policies typically cover the cost of surgery, chemotherapy, radiation therapy, and hospitalisation. Some policies also offer additional benefits such as premium waivers, income benefits, and coverage for related medical expenses.
Cancer insurance is important because the cost of cancer treatment can be very high and may continue for a long time. Even a good health insurance policy may not cover all cancer treatment-related costs. With cancer insurance, patients can afford the best treatment without compromising their savings. The claim amount can also compensate for the loss of income, especially if the breadwinner of the family is diagnosed with cancer.
It is worth noting that cancer insurance policies usually do not cover cancer caused directly or indirectly by sexually transmitted diseases, HIV, or AIDS. Additionally, cancer insurance plans may have a waiting period before coverage begins, and it may be difficult to purchase a plan after cancer treatment has started. However, some insurers in India offer health insurance for pre-existing cancer patients.
When choosing a cancer insurance plan, it is important to consider factors such as coverage, premiums, renewability, network hospitals, and additional benefits. AXA PPP, a leading provider of health insurance in the UK, offers flexible health insurance plans that can be tailored to individual needs. Their plans include add-ons such as outpatient cover, therapies, mental health treatment, and travel cover. However, they have received some criticism for their complex claims process and poor customer service.
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Modular plans
A modular plan typically provides employees with 2 to 3 healthcare and dental care options, allowing them to choose the coverage that best suits their individual circumstances. This approach ensures that the insurance plan caters to a broader range of employee needs, from Generation X employees seeking enhancements to younger employees who may have more basic insurance requirements.
One key advantage of modular plans is their ability to demonstrate the full cost of insurance coverage to employees. By utilizing a credit system, employers can allocate a certain amount of credit (in dollars) to each employee, helping them understand the value of their insurance coverage within their total compensation package. This transparency can lead to a better appreciation of the employer's contribution and make employees less likely to undervalue their insurance benefits.
To ensure the success of a modular plan, careful consideration must be given to its design, pricing, and cost-sharing structure. It is crucial to avoid scenarios where the majority of employees opt for the same option, defeating the purpose of offering choices. Effective administration and clear communication with employees are vital to the successful implementation of modular plans.
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Family cover
The PPP loan, or Paycheck Protection Program, was created to cover costs related to staff compensation. This includes payment for parental, family, medical, or sick leave. It also covers expenditures such as employee salary or wages, commissions, and cash tips.
For family cover, AXA PPP Healthcare offers a Small Business Health Insurance plan that covers newborns on your plan for free until your next renewal. It also provides an Ageing Well helpline to help older members or relatives with questions about medication and getting the most out of social services.
AXA PPP Healthcare also offers travel cover, which includes coverage for emergency medical treatment abroad, loss of personal baggage (up to £1,500), emergency dental treatment, and loss of passport. This plan can be extended to include worldwide travel cover and an adventure sports upgrade.
Additionally, AXA PPP Healthcare provides access to private medical care at Spire Healthcare hospitals, with market-leading child and family care. Their plans start from £22 per employee, per month, and include 24/7 telephone access to information and guidance from nurses and counsellors.
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International cover
International health insurance is designed for people who are leaving their home country, either for a trip, work, or to relocate. These plans can be written for short trips (1 day - 6 months) and will supplement Medicare or a managed care plan. They can also be purchased as primary insurance for expats or someone relocating to another country for an extended period (6 months or longer).
International health insurance typically covers emergency medical, dental, and evacuation services. Some plans, like those with added travel protection benefits, cover specific travel-related circumstances, like trip cancellation, trip interruptions, or lost baggage. Many health insurance plans do not cover you when you are out of the country, so it is important to familiarize yourself with your travel and medical coverage before going overseas.
AXA PPP, for example, is a large health insurance company in the UK that offers international private medical insurance, including evacuation and repatriation as standard. They have over 2 million customers and have been in business for 70 years. Their core policy is called "Personal Health", which covers treatment for a range of conditions, and they offer add-ons such as outpatient cover, therapies, and mental health treatment.
Another example is GeoBlue, which provides international travel health insurance for U.S. citizens. Their plans can be purchased as a supplement to an existing Blue Cross and/or Blue Shield medical plan, or as a standalone policy. GeoBlue offers access to an elite network of providers, innovative mobile and online tools, telemedicine tools, and exceptional customer service.
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Frequently asked questions
AXA PPP is a private health insurance company that offers a range of health insurance products. They have over 70 years of experience and more than 2 million customers in the UK.
AXA PPP offers flexible and tailored health insurance plans that cover a wide range of conditions and treatments, including surgery, specialists' fees, drugs, radiotherapy, chemotherapy, and mental health treatment. They also provide evacuation and repatriation services for those seeking medical treatment abroad.
With AXA PPP, you pay regular subscriptions, and your insurer pays for your treatment as long as it is covered under your plan. You can choose from a range of cover levels and add-ons to suit your needs. AXA PPP also offers online claims and a Fast Track Appointments service for quick access to specialists.
AXA PPP insurance may be right for you if you prioritize flexibility, tailored plans, and comprehensive cover. They offer a range of cost-effective to all-inclusive plans and allow you to add extras. However, they have received some criticism for their complex claims process and limited hospital choices. It is essential to compare different insurance providers and plans to find the one that best suits your needs and requirements.
