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AXA PPP Healthcare: Health Insurance reviews

Name: Health Insurance
Rating: 3.56 (16 reviews)

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3.67

Based on 16 reviews, last reviewed 17th Sep 2024

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

50%

19%

3 star

2 star

31%

Latest highest rating:

4

best overall provider best overall provider that i found after extensive research Reviewed on: 17th September 2024

Latest lowest rating:

1

Still in shock for the terrible experience We just had a terrible experience with AXA PPP. My 14 year old son had an accident whilst skiing and consequently had his knee ACL torn and the menis... Read more Reviewed on: 22nd August 2023

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About this product

AXA PPP Healthcare is now trading under the name AXA Health. Find reviews for AXA health insurance on Smart Money People.

AXA PPP Healthcare Health Insurance reviews (16)

Review of the AXA PPP Healthcare, Health Insurance:

Still in shock for the terrible experience

We just had a terrible experience with AXA PPP. My 14 year old son had an accident whilst skiing and consequently had his knee ACL torn and the meniscus severely damaged. AXA had initially provided full cover for the ligament reconstruction surgery, which lasted several hours due to the meniscus damage and other ligaments' complications. They also initially authorised 6 months of physiotherapy. Towards the end of the six months the AXA approved surgeon/specialist clearly stated in writing that, due to the age and further complications, my son required another 6 months of rehabilitation. AXA initially agreed in writing to the extension, stating very clearly that they were happy to cover the treatment until the approved specialist advised so. They also advised, as a proviso, that they wouldn't cover the treatment forever as they do not cover "cronic" conditions, although I would challenge anyone to prove that an ACL tear for a 14 year old boy is a "cronic" condition, especially after just 6 months of therapy. A few weeks later after the agreed extension, however, they stopped making payments to the approved physiotherapy provider. When I called to request clarifications I was put on a lengthy hold, about an hour long, whilst they decided irrevocably that the cover would stop at 6 months notwithstanding their prior written agreement to extend it. I was told that the final decision was based on an alleged "term" that is definitely not included in the "membership handbook", which is the only document myself and my own company were provided with. I raised immediately a complaint and, after 8 weeks (when they didn't even call me to hear my side of the story - so much for a thorough investigation!), they wrote confirming exactly the same previous decision, confirming that the 6 months duration was based on the alleged "term" (providing absolutely no evidence or a copy of the term) and even adding a written statement saying that the decision had nothing to do with my son's clinical needs or conditions!!!!!! ABSOLUTELY UNBELIEVABLE!!!!! This so called "term" that nobody has ever seen (and consequently agreed too), except for them, could mean that anyone could be given only half, or no treatment at all, simply because AXA clearly cannot care less about your medical needs and conditions. They even had the face to send me £100 as a "good will gesture", whilst the treatment cost is in the thousands of pounds. It's clinically proven that, given my son age and complications, the physiotherapy should last at least for a year. There are plenty of medical papers proving this in black and white!!!! PLEASE STAY AWAY AND USE OTHER INSURANCE COMPANIES WHICH HAVE REAL HONESTY AND TRUE INTEGRITY!!!!! WHAT A SCAM!!!! Reviewed on: 22nd August 2023

Terrible Insurance

I have been a client for decades. I am now ill and they are impossible to deal with. Usual wait time on phone is about 1 hour (I have timed it mulitple times). They are sweet when you get through but don't cover many London specialists even though I have their top level of cover. I spend many frustrating hours trying to establish they will pay what they are contracted to. Not fun when you are ill. AVOID. Reviewed on: 29th November 2021

ABSOLUTE WASTE OF MONEY

I have now tried to make 3 claims for 3 different operations, all of which have been refused because they "don't normally cover that" and my policy is not a basic one. I have had issues with my eyes, teeth and now my ears (I am totally deaf at the moment but having an operation tomorrow to resolve). I have spent almost £10,000 in the last 3 years or so and have had to fund it all myself. I am furious at the moment, given that I've just continued to pay the premiums each year and it appears there is so little they will actually cover. Don't move to them, there is just no point. Just trying to find an alternative. Reviewed on: 24th September 2021

Average

Waiting time was average may consider another provider Reviewed on: 13th September 2021

They are legitimate and helpful

It was good thanks for all the good things about what they are doing Reviewed on: 24th February 2021

Worth checking out before other providers

Really friendly patient staff that went through everything with me and even answered all my "but what if this happens or that happens am I insured?" Questions, and I asked just about everyone I could think of !! Weren't pushy with me to take out a policy which made me feel better about choosing them. Reviewed on: 13th July 2020