AXA Health Insurance UK | Usay Compare (2024)

Factors that Impact the Pricing of AXA Health Insurance

As with all health insurance providers, AXA Health Insurance has a variety of factors that can impact the cost of your private health insurance, some in your control, some out of your control.

Here are some factors AXA consider when they create a quote for you:

• Your age: Health insurance premiums typically rise as you age (see below for more information), particularly as you approach and enter retirement. It’s beneficial to secure insurance early to manage costs effectively.
• Your employment status: Whether you're a student, in full-time employment, or happily retired will impact the price of your health insurance coverage.
• Where you live: Urban residents often face higher medical treatment costs than those in rural areas, which can reflect in higher insurance premiums.
• Cover level: At AXA, the scope of coverage you choose is a significant adjustable factor. Opting for a basic policy reduces costs, whereas a more comprehensive policy with additional features will be costlier.
• Your excess: A higher excess generally lowers your premiums at AXA.
• Consultant choice: AXA, like other leading insurers, offers options concerning consultant access. You can choose a restricted network for potential savings or opt for unrestricted access.
• Hospital list: AXA has an approved list of hospitals you can attend. Costs vary across private hospitals, especially those in central London. Adding other hospitals outside of this list can cause costs.
• No-claims discount: AXA provides a no-claims discount that grows with each claim-free year. The more years you have with no-claims, the cheaper your insurance might be, although there are other factors that can influence the cost of your policy.
• Additional cover: Expanding your coverage to include add-ons such as mental health cover, dental cover, and therapy cover will increase your AXA premium.
• Inflation and rising costs: The general increase in the cost of goods and services, including medical treatments, contributes to the annual rise in health insurance costs.
• Your personal medical history: If you have pre-existing conditions, are a smoker, or live an unhealthy lifestyle, these factors may affect your policy costs.
• Dependents: Adding family members such as your partner or your kids to your policy will increase the overall cost.

Understanding these factors can help you tailor your AXA health insurance policy to meet your needs while managing costs effectively. Remember, if you need an AXA quote, you can always reach out to our expert advisors who can talk you through your individual pricing.

Average AXA Health Insurance Pricing Across Various Age Groups in 2024

Your age is a very important factor in determining the cost of your AXA personal health insurance. As we grow older, our bodies often require more medical care and we may encounter additional health challenges.

Consequently, we’ve found that AXA health insurance for older people tends to be more expensive than for younger ones. It's important to also remember that AXA health insurance typically covers only new medical conditions that arise after you enrol in the AXA plan, and does not extend to pre-existing conditions.

Let’s take a look at the average cost of AXA health insurance by age in 2024 in the table below.

Average Cost of AXA Health Insurance in 2024

AXA Health Insurance Cost For Families

For young or expanding families, getting family private health insurance with AXA is a smart move. It ensures that every family member, from the youngest to the oldest, can get quick and effective medical care without it being too costly. As well as this, having one policy for the whole family makes it easier to manage everything, including mental health cover, cancer cover, therapy cover, and dental care.

Investing in family health insurance with whichever provider you choose is a smart decision that keeps your loved ones healthy, making sure everyone can get quality private medical care when they need it.

Want to know how much AXA Health Insurance would cost for a family of three or four? Check the table below for our average rates for 2024.

How Much Does AXA Health Insurance Cost for a Family of 3?

How Much Does AXA Health Insurance Cost for a Family of 4?

AXA Health Insurance Cost For Couples

Choosing to get health insurance with your partner is a smart way to make sure you're both covered for any unexpected medical expenses. By opting for a joint health insurance plan from AXA, you might also enjoy discounts and benefits that aren't available with individual policies.

Wondering about the cost? The table below shows the average prices for couples' health insurance from AXA for you and your partner in 2024. It's a practical and cost-effective way to manage your healthcare needs together.

How Much Does AXA Health Insurance Cost for Couples?

Disclaimer — *Prices based on a new moratorium policy mid-level 200 excess outside London, April 2024 start date.