A guide to
Health Select/Health Select 6
Private healthcare insurance
Put your health first
with private healthcare
insurance from
AXA PPP healthcare
Nothing is more important than
your health…
We all know it’s important to keep healthy, and we all do our bit to maintain
a healthy lifestyle. But it’s also important that if you do fall ill, you can access
treatment quickly and feel in control.
Private healthcare insurance
brings you peace of mind
Private healthcare insurance is designed to make you feel secure when you require medical treatment. It makes sure that when you need treatment covered by the plan you will be cared for comfortably, quickly and given a greater choice about where and when you receive treatment. It also offers you flexibility around appointment times, and a choice of expert specialists, consultants and surgeons.
If you do need to have hospital treatment, maintaining your privacy during stressful times is of real importance – with private rooms usually offering the comfort of en-suite facilities and your own TV and telephone.
It’s often the little things that our members and those close to them really appreciate when they’re in a private hospital; typically from a choice of nutritionally balanced meals to the flexibility of free hospital parking for visitors who are unrestricted by set visiting hours.
Choosing the right plan for you will depend on your budget and the level of cover you select to meet your needs – but you can be confident that you will receive a high quality of service from AXA PPP healthcare.
Why choose
AXA PPP healthcare?
Member satisfaction
It is vitally important that our members are satisfied with the service they receive. That’s why 86% of recently surveyed* members are very satisfied with AXA PPP healthcare.
Fast Track Appointments
Our Fast Track Appointments team gives you prompt access to specialists. We’ll find up to three specialists for you to choose from, getting you seen as quickly as possible.
Prompt access to our extensive
hospital network
We have a network of over 250 hospitals throughout the UK and access to over 24,000 recognised consultants and other practitioners.
Enhanced support for cancer and
heart patients
We provide a special Dedicated Nurse helpline for all members who have been diagnosed with cancer or a heart condition.
From the moment you are diagnosed, your dedicated nurse will be available to provide you and your family with telephone support, guidance and information.
Health at Hand – our medical
information line is there for you, 24/7
You’ll have telephone access to our Health at Hand team of experienced health professionals. They’ll be available via our 0800 helpline to answer any questions on your health and wellbeing.
Award winning private healthcare
insurance
Winners of Your Money “Best Healthcare Provider” for 2012 and 2013.
Call today for immediate cover – 0800 5870953
Monday to Friday 9am to 8pm. Calls may be recorded and/or monitored for quality assurance, training and as a record of the conversation.
*May 13 – Oct 13 survey of 303 members.
Your plan cover
What’s included in our Health Select cover?
With our Health Select plan you get the core cover ‘Essentials’ detailed below. You then pick from any of our Add-ons on the next page to tailor your cover exactly how you want to.
Benefits Essentials
In-patient and day-patient treatment – for day treatment and overnight stays in hospital.
Hospital charges for treatment in a hospital listed in the Directory of Hospitals.
Specialist fees.
Diagnostic tests on specialist referral.
Cash benefit of £50 each day towards the cost of day-patient treatment and £50 each night towards
the cost of in-patient treatment in a hospital not listed in the Directory of Hospitals.
Out-patient treatment – for treatment that does not require a day or overnight stay in hospital.
Surgical procedures.
Active treatment of cancer including charges for radiotherapy and chemotherapy.
Computerised tomography (CT), magnetic resonance imaging (MRI) and positron emission
tomography (PET) on specialist referral in a scanning centre listed in the Directory of Hospitals.
Additional benefits – providing you with extra support and care.
Day-patient and out-patient NHS radiotherapy and chemotherapy cash benefit of £50 a day
up to £2,000 year.
Parent accommodation for one parent to stay with a child under 16 receiving private treatment covered
by the policy.
Ambulance transport – when medically necessary to transfer you between facilities.
What isn’t covered?
Our plans are not intended to cover all eventualities and are designed to complement rather than replace all the services provided by the NHS. The following show some of the treatments and conditions not covered by this plan.
n Treatment for medical conditions that existed, or you had symptoms of, before joining (please see page 8).
n Ongoing, recurrent or long term treatment of long term illnesses, also known as chronic conditions.
n Routine pregnancy and childbirth
n Any treatment costs that are a result of engaging in or training for any sport for which you receive a salary or monetary reimbursement, including grants or sponsorship (unless you receive travel costs only)
n Charges when treatment is received at a facility not listed in our Directory of Hospitals.
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Choose your Add-ons
Call today for immediate cover – 0800 5870953
Monday to Friday 9am to 8pm. Calls may be recorded and/or monitored for quality assurance, training and as a record of the conversation.
Core out-patient
Cover for up to two specialist consultations each year and no yearly maximum for diagnostic tests on specialist referral.
Enhanced out-patient
£1,000 combined overall entitlement each year for specialist consultations, diagnostic tests on specialist referral and practitioner charges including dieticians, nurses, orthoptists and speech therapists.
Full out-patient
No yearly maximum for specialist consultations, diagnostic tests on specialist referral and practitioner charges including dieticians, nurses, orthoptists and speech therapists.
Dentist and Optician Cashback
Dental care – covers 80% of the costs up to a maximum of £300 a year.
Optical cover – covers 80% of the costs up to a maximum of £140 a year for prescribed glasses and contact lenses. Plus up to £25 towards an eye test each year.
Extra Cancer Cover
Drug treatment is extended to include cover for as long as the drug is being used within the terms of its licence. Experimental drug treatment is covered if it is agreed with us in advance and is part of an ethically approved clinical trial.
This benefit includes specialist consultations and diagnostic tests that are directly related to your cancer treatment. Out-patient specialist consultations and diagnostic tests directly related to your active cancer treatment won’t affect any out-patient treatment limits that may apply on your plan.
We also pay for additional expenses to support you during your active treatment of cancer.
For example, we help towards the cost of wigs, external protheses and we also make a donation to your hospice if you need end-of-life hospice care.
Travel Cover
This provides cover towards the cost of
emergency medical treatment abroad. The Travel Cover Add-on has the major benefits of other travel insurance plans such as medical costs, additional expenses and delayed departure.
Please refer to the Travel Cover Membership Handbook for further information.
Depending on your medical history some of the Add-ons might not be available.
If you’d like more out-patient cover
there are three levels available.
Please choose only one of these.
Special offer
Get the Extra Care Add-on free when
you purchase Therapies and Mental
Health Add-ons.
Therapies
£1,000 combined overall entitlement each year for therapists (physiotherapist, osteopath and chiropractor), acupuncturists and homeopaths charges.
You can claim for a maximum of ten sessions each year for GP referred treatment.
Any further therapist, acupuncturist or homeopath treatment must be under the control of a specialist.
Mental Health
Cover for in-patient, day-patient and out-patient treatment of mental health conditions including stress and depression.
Also includes cover for out-patient psychologists and cognitive behavioural therapists treatment charges.
Extra Care
Hospital at Home – full cover for the cost of a nurse to give you intravenous chemotherapy for the treatment of cancer or antibiotics in your own home where clinically appropriate.
NHS cash benefit – £100 a night up to £2,000 a year.
Oral surgery – paid in full for treatment of certain operations.
Chiropody charges – up to £150 a year.
Ways to reduce your subscription
The 6 week option
This option is a great way to save up to 25% on your subscription yet still avoid long NHS waiting times. The 6 week option means that if in-patient or day-patient treatment or any operation is available on the NHS within six weeks from the date it should take place then you will use the NHS. However, if the wait for treatment is longer than six weeks then you can go private straight away.
Excess levels
You have the option of including an excess to reduce your subscription. If you choose to have an excess, the minimum excess is £100. This means you will pay the first £100 of eligible claims – but only once per membership year – for each person covered. To reduce your subscription further you can add an excess of
£250, £500 or £1000*.
*£1,000 excess is not available with the Core out-patient Add-on or the Enhanced out-patient Add-on.
No claims discount steps
No Claims Discount (NCD)
There are 12 steps of No Claims Discount (NCD), from 0% to 65%. When you join we will tell you the NCD level to which you are entitled. If you don’t make a claim you will be entitled to a further discount each year, up to 65%, see below. However, if you make a claim your discount will drop for that year.
How to protect your NCD
If you need to make a claim, you have the option of paying for treatment yourself, and keeping your no claims discount. You might choose to do this if your claim is small. If you or anyone on your plan chooses to make a claim, the level of discount for that person drops by three levels. But it will go up again by one level if that person doesn’t make a claim for the following year.
Level
Discount 10% 20% 27.5% 35% 40% 45% 50% 55% 57.5% 60% 62.5% 65%
0 1 2 3 4 5 6 7 8 9 10 11 12
93% of all new members
surveyed said they were extremely or
very satisfied with the overall ease
of joining AXA PPP healthcare.*
*Source: Feedback from 303 members surveyed between Apr 13 – Oct 13.
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0800 5870953 Monday to Friday 9am to 8pm.
Already have private health insurance?
Switching is easy
You can transfer your existing cover from another health insurer with just one phone call.
We understand that comparing cover between private medical insurers can be difficult. So whether you’re looking to match your previous cover or need to discuss a more affordable subscription, your options will be explained.
Private healthcare insurance covers you for new
conditions that arise after you join but there are occasions where you could be covered for existing conditions.
You’ll be asked a few additional questions and we will let you know what options are available to you.
It’s quick and easy to switch to AXA PPP healthcare. Simply call:
Keeping you well informed
Health information
The innovative health information section of our website is constantly being updated with the latest health news and medical information. There are lots of tasty, healthy recipes for you to try and you’ll also have access to over 900 medical fact sheets. It’s your own health resource – on hand 24 hours a day!
Health centres
If you are concerned about a specific condition, such as heart disease or cancer or want to find out about childhood illnesses, then you’ll really appreciate the condition specific centres on our website. You’ll find videos of members experiences, lifestyle articles, advice from our experts and plenty more to help support you or a family member before, during and after treatment.
We have regular live chats online with a variety of experts, so if you need to get a quick answer to a problem, then simply join in – it’s free.
If you cannot make one of the live chat sessions, then you can post a question online and one of our panel of experts will respond, usually within 24 hours.
You can also sign up for our monthly e.newsletter so you can keep up to date with the latest news and live chat reminders.
Superb service from start to finish. 100% every time from phone call
to advisers to treatment received to claim settlement.
Keep up the good work.
Cheshire
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Keeping you well looked after
Health at Hand
medical helpline
Health at Hand is our 24/7 members’ service designed to give you medical information and peace of mind whenever you need it. Our Health at Hand team includes nurses, midwives, pharmacists and counsellors who are all experts in their field.
Nurses and Counsellors:
Available 24 hours a day, 7 days a week.
Midwives and Pharmacists:
Available 8am to 8pm Monday to Friday, 8am to 4pm Saturday, 8am to 12pm Sunday.
You can also access all the Health at Hand
services if you’re abroad on holiday –
especially useful if you need to source a local
English speaking doctor, dentist or optician.
They can even provide travel vaccination
information before you leave.
Dedicated Nurses for
members diagnosed with
cancer or a heart condition
If you are diagnosed with cancer or a heart condition you will have access to our Dedicated Nurse telephone helpline. Our trained nurses will provide you with one-to-one support when you need it. They can provide practical guidance about your condition, explain the treatment options available to you, or offer comfort if you simply need emotional support. Your family can also benefit from the helpline if they have concerns or need guidance about your care.
Our Personal Advisers are at
your service when you need
to claim
AXA PPP healthcare’s highly skilled team of
Personal Advisers based in the UK are on hand ready to help you:
n Understand the full benefits of your plan n Give you guidance when arranging treatment n Complete a claim form (if required)
n Confirm claims have been paid
Their job is to make life easier for you so that you can focus on getting better and making a full recovery.
The cancer advice nursing
service was absolutely
excellent and I was grateful
for their support.
Bristol
Call today for immediate cover – 0800 5870953
Monday to Friday 9am to 8pm. Calls may be recorded and/or monitored for quality assurance, training and as a record of the conversation.
About your medical cover
Information on specified conditions
How does a moratorium work?
Below is an example of a member who had a back operation before joining.
What is medical underwriting?
This is the process where we look at your membership application and decide the terms of your cover.
Moratorium underwriting
A moratorium is a set period of time during which you will not be covered for treatment for any medical conditions that you had suffered from before you took out the
plan. There’s no need to provide information about your medical history when you join. For the first two years of membership, we won’t cover medical conditions you’ve had in the five years before joined, and there are also some other specified conditions that we won’t cover.
However, as long as you’re completely free of any form of treatment or advice for that condition for two years in a row once you join, you will be covered for it in the future within the benefits of your plan. You will be provided with more information about this when you join.
Please note If you are 74 years of age or over, moratorium underwriting isn’t available to you and we will ask you to declare your full medical history. For further information, please refer to the range of underwriting options explained in the ABI guide enclosed in your pack.
Back operation in
April 2008
Joined AXA PPP healthcare
in March 2009 No cover for back condition for a two year period
Now covered from March 2011 for this pre-existing condition as
24 continuous months have passed trouble free of the condition
If you have the following pre-existing condition: You will not be covered for treatment for the following specified conditions whatever their cause:
Have been diagnosed with diabetes • diabetes • ischaemic heart disease • cataract
• diabetic retinopathy • diabetic renal disease
• arterial disease • stroke Are currently undergoing treatment for raised
blood pressure (hypertension) • hypertension • ischaemic heart disease • stroke
• hypertensive renal failure Are under investigation, having treatment or undergoing
monitoring as a result of a prostate specific antigen
(PSA) test • any disorder of the prostate
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Call today for immediate cover – 0800 5870953
Monday to Friday 9am to 8pm. Calls may be recorded and/or monitored for quality assurance, training and as a record of the conversation.
We invite you to become a member
Here are some great reasons
to join us
n We believe that our private healthcare plans should be accessible to everyone, so we’ve developed a range of options to suit a wide variety of budgets n Over 70 years’ experience providing private
healthcare insurance and we now cover over two million members
n We offer market leading heart and cancer cover and care
n Our Fast Track Appointment team can find you a suitable specialist and book an appointment at a time convenient to you, providing support if you need help looking for a specialist
n We’ll pay in full for all eligible specialist diagnostic scans including CT, MRI and PET
n Most of our call handlers are based in the UK n If your child is on your plan and falls ill, and you
need to stay overnight with them in hospital, we will pay for your stay if they are under 16 years old n The NHS continues to be under pressure to meet
people’s healthcare demands. So it’s reassuring to know that we also offer options giving you access to private medical treatment if the NHS can’t provide eligible treatment within 6 weeks of when it should take place. This option can reduce your overall price by up to 25%.
n As an added extra, we have negotiated discounts for all members, from health assessments to leisure breaks – all from carefully selected companies n You will benefit from discounts on other selected
products from AXA.
Here are the answers to some questions we are often asked. If you would
like any more information, please call 0800 5870953.
Frequently asked questions
There are so many health insurers in the market,
why should I choose AXA PPP healthcare?
We’re one of the largest UK healthcare companies with over 70 years’ experience. We want our members to feel confident and secure when they take out our healthcare plans, so our members satisfaction is at the heart of everything we do.
Do I have to declare my medical history?
No – when you join us you can choose to be placed on Moratorium underwriting. This simply means you’ll be covered for eligible treatment of new medical conditions that arise after you join. If you are 74 years of age or over when you join, you will be asked to declare your full medical history. Please see page 8 for more information.
How often can I claim?
There is no limit to the number of times you can claim for new conditions that arise after you join, as long as it is for treatment covered by your plan and is within your plan limits.
Do I have to pay for treatment and then
claim the money back?
No, as we normally receive invoices directly from the specialists or hospitals and settle them directly.
How can I be sure that I’m covered before
I go ahead with treatment?
Simply call our team of Personal Advisers with the details of your proposed treatment and specialist.
They will confirm if your treatment is eligible so you can go ahead knowing that you are covered.
What happens if I have hospital treatment
without checking with a Personal Adviser first
that it’s covered?
We would strongly recommend that you get
authorisation for your proposed treatment before you go ahead, to make sure that it is covered. However, if you don’t get authorisation we will pay for the claim provided it is eligible under the terms of your plan.
What is the 6 week option and why should I
add it to my plan?
This is a way to reduce your subscription. If you have no objection to using the NHS, but worry about long waiting times, then the 6 week option could be for you.
If the in-patient or day-patient treatment or operation you need – which would normally be covered by your plan – is available on the NHS within six weeks of the date treatment should take place, then you’ll use the NHS. However, if the wait for treatment is more than six weeks then you can go private straight away.
Can you help me if I need medical
information?
When you join, you will have access to Health at Hand, our around-the-clock medical helpline. We have a wide range of medical professionals on hand to give you information about medicines, pain relief, pregnancy, cancer, stress, menopause, and much more. We also provide a wealth of online services.
PB52236/04.14 DIRECT
Call today for immediate cover on
and become a member today.
0800 5870953
Choose AXA PPP healthcare: because not all
health insurance is the same
Trust your future health and wellbeing to experts: we have over 70 years’ experience in the provision of private healthcare insurance and now cover over two million people.
Our Fast Track Appointments team makes sure you get seen as quickly as possible. You’ll have the choice of up to three specialists and we can book your appointment for you.
Our lines are open Monday to Friday 9am to 8pm. Calls may be recorded and/or monitored for quality assurance, training and as a record of the conversation.
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AXA PPP healthcare, Phillips House, Crescent Road, Tunbridge Wells, Kent TN1 2PL.
AXA PPP healthcare Limited. Registered Office: 5 Old Broad Street, London EC2N 1AD, United Kingdom. Registered in England No. 3148119. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
© AXA PPP healthcare 2014. We may record and/or monitor calls for quality assurance, training
and as a record of our conversation.
