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Axa: Private Health Insurance reviews

Name: Private Health Insurance
Rating: 1.95 (38 reviews)

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1.43

Based on 38 reviews, last reviewed 7th Feb 2025

No new 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

11%

16%

2 star

70%

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

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

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About this product

Axa health insurance reviews can help to you to get the inside track on life as a Axa health insurance customer before you take out a policy. Making sure that you find the best health insurance provider for you can help to give you piece of mind...which is were we come in! Smart Money People in the UK's leading financial services review site. Our mission is to help increase trust and transparency using the power of YOUR reviews...so why not write a Axa health insurance review today!

Axa Private Health Insurance reviews (38)

Review of the Axa, Private 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

Great customer service

AXA are polite and friendly over the phone. They provide a clear and comprehensive health plans which are easy to understand. Their customer representatives will clearly explain what is available to you with whatever package you have subscribed to. All in all, a good company to provide private healthcare. Reviewed on: 17th July 2018

Claims

Have used Axa for claims process and they have been excellent Reviewed on: 29th September 2017

Good

Usual experience Not over expectations Reviewed on: 6th July 2017

Amazing service

AXA paid for a £53,000 spinal operation that I needed. It far exceeded the amount I was covered for each year and the operation was on their list of ones not covered. They agreed with no problem. This is after they have paid for another 4 expensive operations in the last 2 years and numerous tests and specialists ect. They have been brilliant! Reviewed on: 29th August 2016

Prompt and excellent service.

Very fast and prompt service with AXA. The health plan is affordable and allows you to receive private and professionall treatment instantly. Reviewed on: 5th November 2015

No fuss with great customer service

I made a claim several months ago on a policy I had with them and talking to them could not have gone easier. I got through to a UK call centre (which is always a plus) and got through in less than a minute. I was always suspicious when making a claim like this and expected some degree of a 'runaround' from them, but I couldn't be more wrong. They were courteous, understanding and very helpful and dealt with the claim very quickly over the phone, and within the week I had received a cheque as promised from my claim. I cannot praise them enough for their swift dealing of the claim, as this is how it should be done with matters to do with health when you have other things on your mind. I can easily recommend Axa to others based on my experience. Reviewed on: 27th August 2015

Simple & SUPPORTIVE claims process

Really simple and supportive claims process - which matters a lot when you're going through health issues Reviewed on: 1st July 2015

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