We offer a range of private medical insurance policies, based around two underwriting styles, so you need to choose one of these before you select a policy. To do this, you need to decide whether you want to declare your medical history or not.
I don't want to declare my medical history (moratorium policies) 
Moratorium policies
• It's simple to set up because you don't need to declare your medical history.
• For the first two years you won't be covered for any medical conditions (or related conditions) you have had in the five years prior to taking out the policy.
• You may be able to claim in the future for eligible treatment of those conditions that were not covered in the first two years.
• You can buy online, or speak to us to start your cover.
Assure Choice
This offers limited cover – by just covering things like hospital stays and operations it will help reduce your premium.
The Assure Choice policy offers you cover as a UK resident, for private medical treatment in the UK, of new medical conditions that arise after you join. This includes in–patientTreatment which for medical reasons, means you have to stay in hospital overnight or for longer and day–patient treatmentTreatment which for medical reasons, means you have to go into a hospital or day-patient unit but do not have to stay overnight, and associated specialists' charges. In addition, it provides you with cover for out–patientTreatment given at a hospital, consulting room or out-patient clinic where you do not go in for day-patient or in-patient treatment surgical proceduresAn operation or other invasive procedure, CT, MRI and PET scans. You will start with a 40% no claims discount and provided you don't make a claim this will increase each year to a maximum of 50%. If you do need to make a claim, the no claims discount will drop. The minimum level is 0%.
Assure 6 Choice
If you are willing to be treated under the NHS if your treatment is available within six weeks, you could reduce your premium further by choosing our 6 Week Option.
The Assure 6 Choice policy offers you the same benefits as Assure Choice, but only if the NHS cannot provide treatment for any out–patient surgical procedure, in–patient or day–patient treatment within six weeks of the date on which the treatment should be undertaken.
With Assure 6 Choice, if the NHS can give you the hospital treatment you need within six weeks, then you must use the NHS. However, you have immediate access for those operations listed in the benefits table in the membership handbook and for radiotherapy and chemotherapy performed as a day–patient treatment or out–patient treatment.
Ideal Choice
This offers comprehensive cover – including £800 cover for out-patient treatment.
The Ideal Choice policy offers you the same benefits as Assure Choice with the addition of up to £800 of benefits for diagnostic testsInvestigations such as X-rays or blood tests, to find or help to find the cause of your symptoms, out–patient consultations and complementary practitioner and clinical practitioner charges (including physiotherapy) for each person covered on the policy.
Ideal 6 Choice
If you are willing to be treated under the NHS if your treatment is available within six weeks, you could reduce your premium further by choosing our 6 Week Option.
The Ideal 6 Choice policy offers you the same benefits as Ideal Choice, but only if the NHS cannot provide treatment within six weeks of the date on which the treatment should be undertaken. With Ideal 6 Choice, if the NHS can give you the hospital treatment you need within six weeks of the date on which the treatment should be undertaken, then you must use the NHS. However, you have immediate access for those operations listed in the benefits table in the membership handbook and for radiotherapy and chemotherapy performed as a day–patient treatment or out–patient treatment.
I want to declare my medical history (Fully medically underwritten policies) Fully medically underwritten policies
• To apply for cover you'll need to tell us about your medical history.
We'll tell you which medical conditions will be excluded from cover.
• Pre-existing conditions will usually be excluded from cover.
• You can get an online quote for one of these policies, but you will need to speak to us before you can buy one of them.
Assure
This offers limited cover – by just covering things like hospital stays and operations it will help reduce your premium.
This offers cover for the more costly bills such as as hospital stays and operations. It also covers diagnostic scans such as MRI, CT and PET scans and treatment for radiotherapy and chemotherapy, but does not cover out–patient physiotherapy, diagnostic tests or consultations with a specialist.
Key
This offers comprehensive cover – including £300 cover for out-patient treatment.
The AXA PPP healthcare Key policy offers you the same benefits as Assure with the addition of cover for out–patient surgical procedures, radiotherapy and chemotherapy and up to £300 of benefits for diagnostic tests, out–patient consultations and complementary practitioner and clinical practitioner charges (including physiotherapy).
Ideal
This offers comprehensive cover – including £800 cover for out-patient treatment.
The Ideal policy offers you the same benefits as AXA PPP healthcare Key with the addition of up to £800 of benefits for diagnostic tests, out–patient consultations and complementary practitioner and clinical practitioner charges (including physiotherapy) for each person covered on the policy.
Premier
This offers comprehensive cover – including unlimited cover for out-patient treatment.
The Premier policy offers you the same benefits as Ideal but with no annual maximum for diagnostic tests, out–patient consultations and complementary practitioner and clinical practitioner charges (including physiotherapy) for each person covered on the policy.
- Choose a policy: Answer 3 questions | View list of policies
- Benefits and exclusions
- How private medical insurance works
- Call 0800 032 1954 quoting 8216 for assistance