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AXA: Health Plan reviews

Name: Health Plan
Rating: 1.59 (42 reviews)

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2.06

Based on 42 reviews, last reviewed 18th May 2026

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

10%

14%

72%

Latest highest rating:

5

Easy access to fast medical treatment at an affordable price Every time I claimed the claiming process was smooth and claims staff really friendly. Even once when things did go slightly wrong, the issue was re... Read more Reviewed on: 9th July 2020

Latest lowest rating:

1

AXA have consistently denied legitimate Claims AXA have consistently denied legitimate… AXA have consistently denied legitimate claims for covered items, even resorting to approving and then denyin... Read more Reviewed on: 18th May 2026

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About this product

The AXA Health Plan lets you build and adapt the right health care cover for your circumstances.

Pick from four cover options, have different cover for different family members and you can include family members who live at different addresses. You can get am AXA Health Plan quote online or over the phone.

AXA Health Plan reviews help you find out what it’s really like to be a customer. If you’ve used AXA before, you can also leave a review and share your experience.

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AXA Health Plan reviews (42)

AXA have consistently denied legitimate Claims

AXA have consistently denied legitimate… AXA have consistently denied legitimate claims for covered items, even resorting to approving and then denying claims. As these were for life threatening medical situations, they have been totally uncaring and disinterested. Leading me to have to self-fund specialist treatments. Frankly anything other than minor problems have been totally denied, costing 10's of thousands of pounds, despite astronomica insurance premiums. Terrible! Axa has responded and below is addtional information on the details. Reply from AXA Health A day ago Hi, Mark Thank you for taking the time to leave us your feedback. We are very sorry to hear of the level of service you have experienced. If you would like us to look into anything for you, please feel free to contact us directly at AXA Online Response Team Kind Regards, Lily. My Response, Hello, I believe AXA confirmed multiple times, they reviewed my claims and found they were within their rights…. Irrespective of my conditions. Let me just explain. I had a initial biopsy in 2017 for a raised PSA, the results were negative. So I did not have prostate cancer. Then in 2023, I had a follow-up PSA test and biopsy with the NHS. This came back as positive for prostate cancer. When I applied for cover, AXA said they had already treated me for Prostate cancer, factually incorrect as the 2017 examination did not find cancer. This led to me having to self-fund a prostate operation costing in excess of £30k !!!! Outrageous. Various other medical claims were subsequently denied. However, in March 2025 I suffered a Cardiac Arrest and was treated by the NHS. As a follow-up I went to have a review and stress test for my heart in May 2025. I raised a claim which was approved for these tests and using that I booked with the Cleveland Clinic in London, when I submitted this claim having funded around £2000 myself, AXA then said they would not pay it because they were in dispute with the Doctor I was given and booked… absolutely ridiculous that with an approved claim, with a industry recognised specialist, because AXA were in some kind of dispute with the DR they refused to fund. As you can imagine, I view all of this with total outrage as my £8000 per year premium is not exactly cheap !!!. If you believe you can get anywhere by all means review, but I have almost no confidence that AXA will reverse any of their decisions as I already made many complaints. Basically, AXA have behaved exactly how many people describe insurance companies, they are pure profit engines primarily designed to maximise fees and minimise payments. Appalling. Reviewed on: 18th May 2026

AXA consistently denied legitimate claims

Think twice before choosing AXA

I’m suffering from chest pain, haven’t slept properly for two weeks and they have me entangled with paper work with the GP that could take more than a month to sort. Basically they just don’t care Reviewed on: 8th October 2025

Had Axa for 4 years up until last year all fine Sad...

Had Axa for 4 years up until last year all fine Sadly the customer service staff are untrained, they cannot find claims, hospitals you can use, consultants you can use and read from a script I spend £600 per month would be better throwing the money in a bin Avoid these at all costs spend your hard earned money elsewhere Reviewed on: 8th May 2025

Great until Covid - then everything is declined and...

Great until Covid - then everything is declined and a fight and no complaints process. Reviewed on: 7th February 2025

The worst

Thery are completely useless, in basically all aspects. I really hope people read this review (and many others) and decide NOT to use AXA for private health insurance. They are a disgrace. Reviewed on: 25th October 2024

Sham Company- They do not pay claims- RUN FOR YOUR LIFE

I have paid for this insurance for 5 years and have never filed a claim. I went to a gastro because I was having pain in my abdomen, and he ordered multiple tests to try to find out what was causing my pain. In the process, he found multiple issues, and one main issue is the root cause of the pain. This issue will require surgery. AXA is categorizing each procedure separately and refusing to pay because there were multiple issues found. They are requiring a co-pay for each procedure. What a rip-off. I have paid these people on time for 5 years and the one time that I have an issue, they are using every excuse not to cover the procedures. I have received $60 back out of a total of over $2500 worth of procedures. They are a fraud. The brokers they allow people to use in Mexico are a joke, and they have no idea what they are doing or how to file claims with the insurance company. I would only recommend this sham of a company to people who want to pay 100% out of pocket for all procedures and turn around and pay them hundreds of dollars a month for imaginary coverage. I wish I could get paid every month for doing absolutely nothing. Reviewed on: 19th September 2024

If it wasn't about my health it would be laughable

Send messages to me meant for someone else, sent me a cheque for £100 for a claim I didn't make - been waiting since May for a referral - don't answer the phone just very very poor service. Regret paying my money to them Reviewed on: 18th September 2024

Zero claims honoured when needed - DO NOT USE

My recent experience with AXA Health, specifically with the call handler "Jackie Gould," was profoundly disappointing and left much to be desired. I found her handling of my concerns to be substandard, lacking empathy, and failing to address my needs adequately. As a customer reaching out with legitimate grievances regarding Chiroptic referral and other claims, I expected to be met with professionalism and understanding. However, Ms. Gould's approach fell far short of these expectations. She demonstrated a concerning lack of empathy towards my situation and failed to provide the level of assistance and support that I rightfully deserved. After explaining my situation, all she kept doing was throwing the handbook policy in my face... I don't know anyone who memorizes these types of collaterals.. Honestly, just get real. Furthermore, her inability to effectively handle my complaint only exacerbated the frustration and dissatisfaction I experienced throughout this process. It is disheartening to encounter such poor customer service from a company like AXA Health, which prides itself on providing quality care and support to its clients. In light of this experience, I am deeply concerned about the overall quality of service provided by AXA Health and question their commitment to addressing customer concerns in a timely and satisfactory manner. I sincerely hope that AXA Health takes appropriate steps to address these issues and ensure that future interactions with their representatives are more professional and empathetic. I would highly recommend NOT using this company as they find anyway to reject claims and dehumanise the process thats meant to support your very real needs. I am now complaining to the financial ombudsman. Reviewed on: 16th April 2024

DO NOT USE THIS COMPANY.

DO NOT USE THIS COMPANY. They will do anything to get out of a claim. My 3 year old son had an ear infection when he was 1 and they will not let me get cover for his current GLUE EAR. This in my opinion is like not covering throat cancer if you had a sore throat a few years ago. Reviewed on: 26th March 2024

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