Frequently Asked Questions
All you need to know about Private Medical Insurance
About medical treatment
What is an out-patient?
A patient who attends a hospital, consulting room, or out-patient clinic, and is not admitted as a day-patient or an in-patient.
What is hospital-at-home?
This is treatment provided at home or at another clinically appropriate setting, to administer intravenous chemotherapy for the treatment of cancer or intravenous antibiotics, which otherwise would require you to be admitted for in-patient treatment or day-patient treatment.
What is an in-patient and a day-patient?
An in-patient is a person who is admitted to hospital and who occupies a bed overnight or longer, for medical reasons.
A day-patient is a person who is admitted to a hospital or day-patient unit because they need a period of medically supervised recovery, but does not occupy a bed overnight.
What is meant by the six-week rule?
If you choose to apply the six-week rule to your policy, this will reduce the cost of your premium.
If the NHS can provide in-patient or day-patient treatment or any out-patient surgical procedures within six weeks after the date on which the treatment should take place, then you'll receive your treatment under the NHS.
If they can't provide your treatment within six weeks, then you'll be able to go private straight away.
About health insurance cover
What is meant by pre-existing conditions?
A pre-existing condition is any medical condition which you have had before your policy started.
Am I covered for treatment of pre-existing conditions?
Private medical insurance is designed to provide cover for treatment of new conditions that arise after you join. In general there is no cover for treatment of pre-existing conditions although more information will be provided on this by AXA PPP healthcare.
Do the AXA PPP healthcare policies provide cover for cancer?
Yes, the policies do provide cover for treatment of cancer. Cover is provided for cancer treatment, including radiotherapy and chemotherapy.
Why do I have an excess and how is it applied?
There is a compulsory £100 excess applicable on your selected plan, which is payable once per person per policy year.
Why does AXA PPP healthcare need my address?
As with most types of insurance, your postcode is one of the factors the insurer uses to determine your personalised quote.
What if I don't have a phone number?
AXA PPP healthcare may need to contact you to confirm your details and cover, therefore a valid telephone number is required.
Contact us
How can I contact AXA PPP healthcare?
To speak to an adviser about private medical insurance for you and your family, or about switching your existing cover to AXA PPP healthcare, please call 08000 320 715.
Lines open Monday to Friday 8am to 8pm, Saturday 9am to 1pm. Your call may be recorded and/or monitored for quality assurance, training and evidential purposes.