How to Claim on AXA Health Insurance:

Last updated: 29 September 2025

Short answer: To claim on AXA Health Insurance in the UK, you must get pre-authorisation before treatment. Call AXA, use the app, or log into your online account to obtain an authorisation code. Provide your GP referral or AXA-recognised pathway details. Without this step, claims may be rejected or capped.

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AXA Health claims: quick rules of thumb

• Always pre-authorise: Get an authorisation code before any diagnostic or treatment.
• Use AXA-recognised providers: Consultants and hospitals must be on the AXA hospital list.
• Open referral required: AXA typically needs an open referral from your GP, not a named consultant, unless your plan allows consultant choice.
• Check limits: Policies have outpatient limits and excess that affect your claim.

Step-by-step: how to claim on AXA Health Insurance (2025)

1. See your GP (or AXA Digital GP if included in your policy).
2. Get an open referral — AXA prefers referrals to a “specialty” not a named doctor.
3. Contact AXA via app, phone, or online portal. Provide referral and policy details.
4. Receive an authorisation code. AXA will recommend a consultant/hospital from their network.
5. Book your appointment using the code. Share it with the consultant/hospital for billing.
6. Pay excess if applicable. AXA settles directly with the provider for covered costs.

Common pitfalls when claiming

• No pre-authorisation: Claims without an authorisation code may be refused.
• Using non-network providers: Out-of-network consultants may result in capped payments or shortfalls.
• Named referrals: If your GP names a consultant, AXA may reject or redirect the claim unless your plan includes consultant choice.
• Exceeded outpatient limit: Once your outpatient cap is hit, extra costs are yours to pay.

Tip: Always ask AXA to confirm in writing (email/app) that your treatment is pre-authorised. Keep copies of all letters and invoices.

When AXA claims go smoothly

• Using AXA-recognised hospitals with AXA’s guided care process.
• Diagnostics like MRI scans where AXA directs you to approved centres.
• Specialist treatment pre-approved with an open referral.

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FAQs

Do I need an open referral to claim with AXA?

Yes, AXA usually requires an open referral — they will recommend a consultant. If your GP names a consultant, AXA may not approve unless your policy allows choice.

How do I pay my AXA excess?

Excess is usually billed directly by AXA after the claim. Some hospitals may request you pay your excess at the point of service.

Can AXA deny a claim?

Yes. Common reasons include no pre-authorisation, using out-of-network providers, or exceeding policy limits. Always check before booking.

Does AXA cover all diagnostics?

Most core diagnostics are covered if pre-authorised, but outpatient scans may be subject to outpatient limits.

Next steps

• Switch Health Insurance (UK, 2025)
• AXA Hospital List · Guided vs Consultant Choice
• Compare Health-Insurance Quotes

Disclaimer

Information only, not financial advice. AXA Health Insurance claim rules vary by policy and can change. Always check your policy documents and pre-authorise before treatment.