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Health On Line PMI

Health-on-Line Health Insurance

Health For You



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 Health Insurance review

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.



Health-on-line pmi terms and conditions   Health-on-line hospital list

Get 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 on this page to apply your two months free discount and get your instant quotes or call us on 02084327333 and state the code VC2MF.

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Health-on-Line Health Insurance Overview

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.

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Income Protection
Health-on-line policy conditions

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

Outpatient Treatment 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


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

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.

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.

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Drewberry reviews Health-on-Line Private Medical Insurance

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 2016, the company achieved a pre-tax profit of £3.7 million on a turnover of just shy of £70 million. All sales were made in the UK to UK customers.

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I would like to say thank you to Ciaran King for his professionalism, respect and sensitivity with dealing with my income protection insurance.

Cecilia Walsh

Freedom Health Insurance: Questions and Answers

Emma Wilson, Employee Benefits Consultant at Drewberry

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 01273646484.

Emma Wilson
Employee Benefits Consultant at Drewberry

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.

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Frequently Asked Private Medical Insurance Questions

There are a number of good private hospitals in my area and I want to know if I can receive treatment...
I want to understand the ways in which I can reduce my monthly premiums on my private medical insurance...
I have come to the UK to study and as such I am looking for a good all round private health insurance...
I am moving closer to retirement and am looking at my options when it comes to private health insurance....
4.92 / 5 Average
1331 Reviews
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Professional, quick and straightforward service from Victoria for the second time in a raw.
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Sam Carr was very knowledgable, efficient, called when he said he would and kept me updated through out the process
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Was extremely impressed with the service we received from Michael.He was so helpful with good advice and saved us money.The policy was set up and running with in a couple of days.would definitely recommend to friends.Thank you.
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I would like to say thank you to Ciaran King for his professionalism, respect and sensitivity with dealing with my income protection insurance.
Overall Rating
Ceiron King did an amazing job setting up my insurance. He was meticulous to all details and made sure everything was individually tailor made to suit my circumstances. When I had queries he was able to take on board any issues and find solutions quickly. Pleasant, easy to talk to, engaging, personable chap who effortlessly made me feel that I'd found the right firm. Highly recommended.