Terrible experience, over and over
Every job I've had in the last 15 years came with private health cover. My latest role is the first to use AXA, and it has been absolutely appalling.
They do everything possible to avoid providing cover for treatment.
- Already had a referral to a consultant from a private GP? Not good enough, you must wait 8 weeks to see your NHS GP in person and get another referral before they will authorise.
- Already had a referral for in-person physio from their own online physio? Not good enough, again wait for an appointment from your NHS GP and get yet another referral.
- Want to see a podiatrist but you saw one once 10 years ago on an unrelated matter? AXA won't cover it, enjoy paying £250 of your own money on an appointment.
- Want to call up and discuss any of this? Block out 45 minutes to an hour of your day - that's how long you will be kept on hold, either before getting through, or during the call itself (as the call handler has to ask their manager about anything remotely out of their ordinary process).
These guys are the bottom of the barrel. In my opinion they make it as difficult as possible, in the hope that people will give up and pay themselves, or wait for NHS treatment.
I will be recommending that my company of 300 people find another insurer when the time comes for renewal.
27 May 2025
Unprompted review