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AXA Health

80.9Score

★★★★☆4.1

Customer satisfaction · 500K members

Defaqto: 5 Stars(2026)MyTribe: #6 Ranked (77.4%)(2026)Trustpilot: 4.1/5(2026)Which?: 64% Customer Score(2026)

AXA Health is a Defaqto 5-star rated insurer with 70+ years of UK healthcare experience, part of the global AXA Group. It uniquely offers a three-year moratorium for pre-existing conditions (vs. the industry-standard five years) and modular building-block plan structures for customization.

Overall Score

80.9/100

Founded

1940

Headquarters

Tunbridge Wells, Kent

Type

private

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Key Metrics

Defaqto Rating

5 stars

Monthly Premium

Varies by module selection

My Tribe Score

77.4% (#6)

Moratorium Period

3 years (vs. industry standard 5)

Editorial Ratings

Defaqto: 5 Stars(2026)

Rating: 5 stars (Personal Health) (max: 5 stars)

100Defaqto

MyTribe: #6 Ranked (77.4%)(2026)

Rating: 77.4% — #6 ranked (max: 100%)

77.4MyTribe

Trustpilot: 4.1/5(2026)

Rating: 4.1/5 (20,033 reviews) (max: 5/5)

82Trustpilot

Which?: 64% Customer Score(2026)

Rating: Customer Score: 64% (3rd among major insurers) (max: 100%)

64Which?

Coverage Highlights

✓Three-year moratorium for pre-existing conditions (vs. 5-year standard)
✓Modular building-block plan structure for customization
✓Part of global AXA Group (one of world's largest insurers)
✓70+ years of UK healthcare experience (as PPP Healthcare since 1940)
✓Strong corporate/employer health plans

Pros

✓Shorter moratorium period (3 years vs. 5) for pre-existing conditions
✓Modular structure allows precise customization
✓Global AXA brand and financial backing
✓Strong corporate/SME health plans

Cons

✗Lifetime cancer exclusion in some plans
✗Extended look-back for specific conditions
✗Less intuitive plan structure for first-time buyers
✗Customer service rated lower than Bupa or WPA

Frequently Asked Questions

What is AXA Health's moratorium period?

AXA Health offers a three-year moratorium for pre-existing conditions, shorter than the industry-standard five years. This means conditions you haven't had symptoms of or treatment for in the past three years may be covered.

How customizable are AXA Health plans?

AXA Health uses a modular building-block structure that allows you to select individual coverage components (inpatient, outpatient, dental, etc.) to create a bespoke plan.

Is AXA Health part of a larger group?

Yes. AXA Health is part of AXA Group, one of the world's largest insurance companies. The UK operation was formerly PPP Healthcare (established 1940) before AXA acquired it in 2001.

Quick Summary

InsurerAXA Health

Country🇬🇧 United Kingdom

Overall Score80.9/100

Satisfaction4.1/5

Members500K

Typeprivate

Founded1940

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