AXA Health Personal Health
Comprehensive PMI with a strong mental health story
AXA Health (formerly AXA PPP) offers some of the UK's most comprehensive mental health cover as standard, alongside full cancer cover, virtual GP access via Doctor@Hand, and Working Body — a direct-access musculoskeletal pathway that lets members self-refer for back, joint and muscle issues. Plans can be tuned with excess levels, hospital lists, and outpatient limits.
Strengths
- • Mental health cover (in- and outpatient) included as standard on most plans
- • Working Body direct-access for musculoskeletal claims
- • Full cancer cover including biological and targeted therapies
- • Doctor@Hand 24/7 virtual GP service
Watchouts
- • Premium can be high without active excess and hospital-list adjustment
- • Some claims require pre-authorisation that brokers should flag at onboarding
Best for
Clients who specifically value mental health and musculoskeletal access — common in professional services and tech employers.
Underwriting
Moratorium, full medical underwriting, and CPME on switch from other major UK insurers.
Hospital network
Multiple hospital lists ranging from Foundation through Extended Choice, with explicit London and non-London variants.
Comparisons
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Request a demoLast updated 18 May 2026