Private medical insurance

What's included

• Full private in-patient cover
• Up to £1,000 out-patient cover
• Full cover for day patient procedures
• No claims discount up to 50%
• Cancer cover
• Exclusive claims service
• A choice of underwriting options
• Optional worldwide travel cover with no upper age limit

Good to know

There is no qualifying period before claiming, however, an excess of £100 per person per year is payable in the event of making a claim.

Applicants will have the option to select from either moratorium or medical history disregarded (MHD*) underwriting.

Moratorium underwriting terms have proven to be particularly good value for members joining the plan. A two year moratorium ensures that new conditions occurring after a member joins the plan are covered immediately. Conditions that occurred over five years before a member joined the plan will also be covered immediately, provided that the condition has completely cleared - no symptoms, medication, advice, and treatment, in the previous five years.

Conditions that have occurred during the five years prior to joining the plan are subject to a two year qualifying period (moratorium). These conditions will become eligible once you have been a member on the policy for two consecutive years and you have been completely free of any form of treatment, medical advice, drugs, medicines or special diets relating to that condition, for one consecutive year after joining the policy.

Premiums for the MHD* option are usually higher, but applicants selecting MHD* will be covered for pre-existing acute medical conditions.

There is no qualifying period.

*MHD will only be available to members who meet AXA Health's declaration.

The role of Towergate Health & Protection and NIRPOA

Towergate Health & Protection is an independently authorised broker, who acts on your behalf.

To support their members, NIRPOA works with Towergate Health & Protection to enable Towergate Health & Protection to market the plan, for which NIRPOA receives a fee.

Towergate Health & Protection negotiates the overall renewal terms AXA Health offers on this plan, with NIRPOA agreeing the recommendation. NIRPOA has no other role within the administration of this arrangement.

For clarity, there is no commercial agreement between AXA Health and NIRPOA, who do not represent you or negotiate any aspect of your annual travel / healthcare insurance with AXA Health.

This policy is an individual contract of insurance between you and AXA Health. The subscriptions under this arrangement are set each year by AXA Health to take in to account the claims made by all the members of NIRPOA and their family members covered under the product.