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Health On Line PMI

Health-on-Line Health Insurance

Health For You

Founded

2000

Company Type

Public Limited Company

Company Overview

Health-on-Line was founded in 2000. Since 2005, the online health insurance provider has been backed by AXA PPP Healthcare, which is one of the UK’s leading health insurers. With over 75 years of experience of helping people look after their health, AXA PPP has been around longer than the NHS.

Health-on-Line’s produces modular, simple cover, with a basic ‘core’ cover included and a list of additional options you can add to make your cover more comprehensive. These additional options include cancer cover, diagnostics cover and an additional hospitals list.

in 2015, Health-on-Line paid almost £1 billion in healthcare benefits and, in 2016, it was awarded Gold Trusted Merchant Status from online Review site Feefo.

Documentation

Health-on-line pmi terms and conditions

Health-on-line hospital list

Health-on-Line Medical Insurance Overview

Health-on-Line’s Private Medical Insurance offers a modular approach, allowing you to construct a policy that suits your needs and budget.

  • Modular approach, allowing you to tailor your insurance policy.
  • Access to AXA PPP healthcare’s Health at Hand 24-hour medical information helpline.
  • Add-ons include alternative therapies, travel, dental, optical and extra cancer cover

Enjoy 2 Months FREE Cover

By reaching this page you are eligible for two months FREE cover when you set-up your new Health Insurance policy.

Simply fill in the form below to apply your two months free discount or call us on 02074425880 and state the code VC2MF.

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Health Insurance Policy Conditions

Core Cover

Hospital fees and charges
Inpatient and day-patient treatment paid in full

Consultant’s / Specialist’s Fees
No annual maximum up to the level set in Health-on-Line’s Schedule of Procedures and Fees for inpatient treatment

Health at Hand
Direct telephone access to healthcare experts

NHS Cash Payment
£50 per night up to 40 nights per year

Oral surgery

Optional Outpatient Cover
Standard Outpatient
Full Outpatient

Up to three specialist consultations per year

No limit on specialist consultations

No limit on diagnostic tests, including CT, MRI and PET scans, when referred by a specialist

No limit on diagnostic tests, including CT, MRI and PET scans, when referred by a specialist

Cancer Cover

Either

Comprehensive Cancer Cover

  • Radio/chemotherapy
  • Surgery
  • No limit on cover for specialist cancer drugs (including biological therapies)
  • Specialist outpatient consultations
  • Experimental drug treatment (as long as you are on an ethically-approved trial)

NHS Cancer Support
Cancer treatment will be on the NHS, unless there are licensed drugs not available under the NHS.

Optional Cover

Therapies Option

Combined limit of £500 for for physiotherapy, osteopaths and chiropractors when referred by a GP or specialist, up to 10 sessions a year initially.

Mental Health Option

Inpatient
Private hospital and day-patient unit fees for psychiatric treatment paid in full for up to 30 days per year; no yearly limit on specialist fees.

Outpatient
A combined limit of £1,000 a year for outpatient psychiatric specialist consultations and, if referred by a specialist, psychologist and cognitive behavioural therapist charges.

Routine Dental and Optical Cashback

  • 80% of your dental fees, up to £300 per year
  • 80% of the cost of prescribed glasses and contact lenses, up to £140 per year
  • Up to £25 per year for an eye test

European and Worldwide Travel Cover

AXA PPP’s European and Worldwide Travel Cover will be applied with this option, covering the cost of emergency treatment while you’re abroad.

Drewberry Reviews Health Insurance from Health-on-Line

Health-on-Line allows you to add on an optional benefit to cover routine dental and optical treatment, similar to a Health Cash Plan.

Key Comparison Points

  • The standard outpatient cover option only allows for up to three specialist consultations per year.
  • Reduce the cost of your PMI by choosing NHS Cancer Support rather than Comprehensive Cancer Cover, which means any cancer treatment you require will be on the NHS unless the drugs you require are not yet available through the NHS.
  • Health-on-Line, being owned by AXA, offers the option for access to some of AXA’s benefits, including AXA’s European and Worldwide Travel Cover and its Health at Han 24-hour medical information helpline.
  • The limit of 40 nights per year (equivalent to £2,000 per annum) for its NHS cash benefit is one of the highest limits of all Health Insurance providers.

Financial Strength

Backed by the heft of multinational insurance giant AXA PPP, Health-on-Line enjoys huge financial strength. In the year to 31 December 2017, the company achieved a pre-tax profit of £5.6 million on a turnover of £74.7 million. All sales were made in the UK to UK customers.

Freedom Health Insurance: Questions and Answers

At Drewberry, we have made it our missions to know all of the ins and outs of these policies, putting us in the best position to help you find the right policy.

Below, we have put together some of the top Health Insurance FAQs and given our answers. If you need our help finding the best policy or would just like to know more, contact us today on 02074425880.

Q. How does NHS Cancer Support work in Health-on-Line’s Private Medical Insurance?

A. With NHS Cancer Support, you aren’t entitled to cancer treatment paid for by your Health Insurance plan. Given the expense of cancer treatment, deciding on this approach is a key way to reduce the cost of your policy. If you are unfortunately diagnosed with cancer, you’ll need to have all treatment on the NHS. The exception is if your cancer might benefit from a licensed cancer drug not available on the NHS at that time; in such a case, the Health-on-Line will offer to pay for this treatment.


Q. What is the Health at Hand medical helpline?

A. With Health-on-Line PMI, you get access to AXA PPP’s Health at Hand helpline. This provides access to a wide array of medical professionals to answer your health queries, from nurses and midwives to counsellors and pharmacists. The line is open 24 hours a day and offers medical information and support as well as the latest information about medicines and illnesses.

Need Expert Health Insurance Advice?

As you can see, there are a lot of points to consider when comparing insurers. With so many factors in play, it can be time-consuming to pull up key information across every single insurer in the market, so why not ask an adviser for help?

Why Speak to Us…

We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.

  • There is no fee for our service
  • We are independent and impartial
    Drewberry isn’t tied to any insurance company, so we can provide completely impartial advice to make sure you get the most appropriate policy based solely on your needs.
  • We’ve got bargaining power on our side
    This allows us to negotiate better premiums for you than you going direct yourself.
  • You’ll speak to a dedicated expert from start to finish
    You will speak to a named expert with a direct telephone and email. No more automated machines and no more being sent from pillar to post – you’ll have someone to speak to who knows you.
  • Benefit from our 5-star service
    We pride ourselves on providing a 5-star service, as can be seen from our 2478 and growing independent client reviews rating us at 4.92 / 5.
  • Gain the protection of regulated advice
    You are protected. Where we provide a regulated advice service we are responsible for the policy we set-up for you. Doing it yourself or going direct to an insurer won’t provide this protection, so you won’t benefit from these securities.
  • Claims support when you need it the most
    You have support should you need to make a claim. The most important thing when it comes to insurance is that claims are paid and quickly. We are here to support you during the claims process and make sure it’s as smooth and stress free as possible.
 Nadeem Farid Head of Employee Benefits at Drewberry

If it is all getting a little confusing and you want to talk you through your options to make sure you find the most suitable cover please don’t hesitate to get in touch.

Pop us a call on 02074425880 or email help@drewberry.co.uk.

Nadeem Farid
Head of Employee Benefits at Drewberry

Sam was very helpful and kept me informed at all times. Brilliant service.

Paul Williams
05/06/2019
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