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AXA health - Health Cover Deluxe

At AXA PPP healthcare, a combination of experience, attention to product design and financial strength enables us to support your business, helping you to meet your client's health insurance requirements. And, with our focus on the intermediary market, we 're sure you 'll find us easy to do business with.

We are committed to offering products and services that make it easy for you to meet your client's requirements. In addition to a range of budget, standard, comprehensive and prestige healthcare plans that allow you to fit cover and price to your clients, we have developed a number of innovative products, including Retirement Essentials, Essential Medical Protection and Independent Health Cover for specific customer segments, giving you an opportunity to target new clients and build your customer base.

As the healthcare industry changes and new challenges arise, AXA PPP healthcare look forward to continuing to work in partnership with intermediaries to meet them.

NCD - members are entitled to a no claims discount provided they don't make a claim. There are eight levels from 0% to 50%. When a member joins we tell them the initial discount level which they are entitled to. If a claim is made, they have the option of paying for treatment, and keeping their no cliams discount. If a person covered by the policy chooses to make a claim, the level of discount for that person drops. But it will go up again if that person doesn't make a claim for the following policy year. In any year when a person covered by the policy makes one or more claims, the no claims discount for that person drops by three levels.

Benefits

Upgrade	All Yes No

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	No annual maximum
Surgeon / Consultant / Specialist & Anaesthetists fees
	No annual maximum
Physicians fees & diagnostic tests
	No annual maximum
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	No annual maximum
Psychiatric treatment
Upgrade - No	Not covered
Upgrade - Yes	Upgrade - Psychiatric cover included
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
	No annual maximum For GP referred complementary therapy max of 20 sessions pa
Diagnostic tests (excluding scans)
	No annual maximum
GP referred consultations
	No annual maximum
Physiotherapy consultant referred
	No annual maximum
Physiotherapy GP referred
	Benefit for up to 10 sessions pa for GP referred Physiotherapy
Psychiatric cover
Upgrade - No	Not covered
Upgrade - Yes	Upgrade - Psychiatric cover included
Radiotherapy / Chemotherapy
	No annual maximum
Scans - MRI / CT / PET
	Paid in full at scanning centre listed in the directory of hospitals or £100 cash benefit if not listed in the directory of hospitals
Surgical Procedures
	No annual maximum
Key Facts - Additional Benefits
NHS cash benefit
	Day-patient and out-patient radiotherapy and chemotherapy £50 per day plus £50 per night in-patient stay (up to £2,000 per year)
Nursing at home
	Paid in full (for the administration of 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)
Parental accommodation
	Paid in full (child up to age 11 who is covered by the policy and receiving eligible treatment.)
Private ambulance
	Paid in full
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	Unmarried children cannot stay on the policy after the renewal date following their 21st birthday (or 25th birthday if in full-time education)
Chiropractors & Osteopaths
	No annual maximum For GP referred benefit for up to 10 sessions pa
Dental treatment
	Not covered
Hospice donation
	£100 a night to a hospice charity when terminal patients are receiving hospice care. No maximum.
Infertility investigations
	Not covered
Maternity cash benefit
	Not covered
Optional cash benefit
	Not covered
Out of pocket expenses
	Not covered
Overseas cover
	Not covered
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	Not covered
Pregnancy
	Not covered
Transplants
	Reasonable costs incurred for a live donor to donate an organ or tissue provided that: Operations to the donor and the recipient are carried out simultaneously; and either both the donor and the recipient are immediate relatives (ie parent, child or sibling) and either the donor or the recipient is covered on the policy; or; both the donor and recipient are members of AXA PPP healthcare at the time the operations are carried out and both have been members since before the recipient developed the medical condition requiring the transplant
Other benefits
	Heart and Cancer Commitment * £5,000 for external prostheses (such as limbs) and up to £150 for wigs. * Axa PPP will consider requests for experimental surgery which will be reviewed by our clinical team. * If experimental drug treatment is needed then we will cover it if it is part of an ethical trial and pre agreed by us. In addition injectable hormone treatment and bisphosphonate treatment used to manage cancer will be fully covered while active treatment is being received. * Access to a dedicated heart nurse * No time limits for ongoing check ups following heart surgery * Full refund on palliative care

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings

No annual maximum

Surgeon / Consultant / Specialist & Anaesthetists fees

No annual maximum

Physicians fees & diagnostic tests

No annual maximum

Cancer Treatment Costs - Chemotherapy / Radiotherapy

No annual maximum

Psychiatric treatment

Upgrade - No

Not covered

Upgrade - Yes

Upgrade - Psychiatric cover included

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

No annual maximum
For GP referred complementary therapy max of 20 sessions pa

Diagnostic tests (excluding scans)

No annual maximum

GP referred consultations

No annual maximum

Physiotherapy consultant referred

No annual maximum

Physiotherapy GP referred

Benefit for up to 10 sessions pa for GP referred Physiotherapy

Psychiatric cover

Upgrade - No

Not covered

Upgrade - Yes

Upgrade - Psychiatric cover included

Radiotherapy / Chemotherapy

No annual maximum

Scans - MRI / CT / PET

Paid in full at scanning centre listed in the directory of hospitals or £100 cash benefit if not listed in the directory of hospitals

Surgical Procedures

No annual maximum

Key Facts - Additional Benefits

NHS cash benefit

Day-patient and out-patient radiotherapy and chemotherapy £50 per day plus £50 per night in-patient stay (up to £2,000 per year)

Nursing at home

Paid in full (for the administration of 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)

Parental accommodation

Paid in full (child up to age 11 who is covered by the policy and receiving eligible treatment.)

Private ambulance

Paid in full

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

Unmarried children cannot stay on the policy after the renewal date following their 21st birthday (or 25th birthday if in full-time education)

Chiropractors & Osteopaths

No annual maximum
For GP referred benefit for up to 10 sessions pa

Dental treatment

Not covered

Hospice donation

£100 a night to a hospice charity when terminal patients are receiving hospice care. No maximum.

Infertility investigations

Not covered

Maternity cash benefit

Not covered

Optional cash benefit

Not covered

Out of pocket expenses

Not covered

Overseas cover

Not covered

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Not covered

Pregnancy

Not covered

Transplants

Reasonable costs incurred for a live donor to donate an organ or tissue provided that:

Operations to the donor and the recipient are carried out simultaneously; and either both the donor and the recipient are immediate relatives (ie parent, child or sibling) and either the donor or the recipient is covered on the policy; or;

both the donor and recipient are members of AXA PPP healthcare at the time the operations are carried out and both have been members since before the recipient developed the medical condition requiring the transplant

Other benefits

Heart and Cancer Commitment
* £5,000 for external prostheses (such as limbs) and up to £150 for wigs.
* Axa PPP will consider requests for experimental surgery which will be reviewed by our clinical team.
* If experimental drug treatment is needed then we will cover it if it is part of an ethical trial and pre agreed by us. In addition injectable hormone treatment and bisphosphonate treatment used to manage cancer will be fully covered while active treatment is being received.
* Access to a dedicated heart nurse
* No time limits for ongoing check ups following heart surgery
* Full refund on palliative care


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