Health On Line PMI

Health-on-Line Health Insurance [Review]

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 produces simple ‘modular’ products, which include a basic ‘core’ cover 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

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’, a  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 or call us on 02074425880 and use 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 yearly limit on specialist fees as long as you use a Health for You specialist

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


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 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.

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 Hand’ 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.
Joe Toft, health & wellbeing expert at Drewberry

For any muscle, bone or joint pain, you can speak with a physiotherapist over the phone without having to speak with a GP first. This is one of many additional benefits Core Cover offers.

Joseph Toft
Health and Wellbeing Expert

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.

Health-on-line 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, 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.

We all deserve a first class service when it comes to issues as important as protecting our health. Below are just a few reasons why it makes sense to talk to us.

If you have existing cover with Health-on-Line or are looking to set-up a new policy give us a call on 02084327333 or email

I’ve held a policy with Drewberry for several years now. They are always friendly, insightful and offer great service.

Dan Pettitt
13/01/2021 Logo
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Contact Us
Head Office & Pensions and Investments
Senator House
85 Queen Victoria Street
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
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Our Core Principles
  • 1You Come FirstWe are a client focused business who always aim to put you first.
  • 2We are ExpertsTo provide you with the best advice, we need to know our stuff!
  • 3We are HumanWe are real people with feelings who are here to help you.
  • 4We are ProfessionalProviding a 5-star service requires a professional approach to everything we do.
  • 5We are here to EducateWe don't believe in sales, we are here to educate so you can make informed decisions.
Finalist - Moneyfacts AwardsFinalist - Cover Excellence AwardsHighly Commended - Protection Review Awards
Proud member of AMII (Association of Medical Insurers & Intermediaries)Proud member of Money Advice ServiceProud member of UnbiasedProud member of BIBA (British Insurance Brokers' Association)

If you are unhappy with our service, we have a complaints procedure, details of which are available upon request. If you are unhappy with how your complaint has been dealt with, you may be able to refer your complaint to the Financial Ombudsman Service (FOS). The FOS website is

Drewberry Ltd is registered in England and Wales. Companies House No. 06675912

Drewberry Ltd registered office: Telecom House, Preston Road, Brighton, England, BN1 6AF. Telephone 0208 432 7333

Drewberry Ltd (Financial Conduct Authority No. 505473) is an Appointed Representative of Quilter Wealth Limited and Quilter Mortgage Planning

Limited, which are authorised and regulated by the Financial Conduct Authority.

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