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Company Type

Public Limited Company

Company Overview

Since 2005 online health insurance provider, Health-on-Line has been backed by AXA PPP healthcare. One of the UK’s leading health insurer with over 70 years of experience of helping people look after their health. In fact, AXA PPP healthcare has been around longer than the NHS, so you will be in very safe hands.

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Health Select Overview

Health-on-Line’s private medical insurance offers a modular approach, allowing you to construct a policy that suits your needs and budget. Health Select ‘Essentials’ provides cover for in-patient and day-patient treatment and out-patient surgical procedures only. There are 9 additional add-ons to choose from to enhance your policy.


Modular approach, allowing you to tailor your insurance policy.


Extra Care included at no extra cost when therapy & mental health add-ons are selected.


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.


In-Patient & Day-Patient Treatment

An in-patient is admitted to hospital, staying in bed overnight or longer for medical reasons. A day-patient is admitted to hospital or day patient unit because they need a period of medically supervised recovery. They do not stay in a bed overnight.

   In-Patient & Day-Patient Core Cover

Hospital Charges


Paid in full at a hospital listed in the Directory of Hospitals

Consultant’s / Specialist’s Fees


No annual maximum up to the level set in Health-on-Line’s Schedule of Procedures and Fees

Diagnostic Tests


No annual maximum at a hospital listed in Health-on-Line’s Directory of Hospitals

Radiotherapy / Chemotherapy


Paid in full at a hospital listed in the Directory of Hospitals.

Optional Add-on 8 offers Extra Cancer Cover providing £150 for wigs, external prosthesis up to £5,000 and hospice donation of £100 per day/night.

NHS Cash Benefit


Optional with add-on 6 (Extra Care). £100 a night up to £2,000 a year.



Out-patient Treatment

A patient who attends a hospital, consulting room or outpatient clinic and is not admitted as a day patient or in-patient.

Out-patient Cover Options

There are a range of additional out-patient cover options available under Health-on-Line’s Health Select PMI. In particular, there are three out-patient modules that meet the costs of out-patient specialist consultations, diagnostic tests on specialist referral and practitioner charges.

Each has varied limitations. Add-on 1 provides cover on two consultations only, add-on 2 caps it off at a £1,000 annual maximum and add-on 3 is set with no annual maximum.


Outpatient Treatment Cover

Consultant Consultations


Optional with add-ons 1, 2 & 3

Diagnostic Tests


CT, MRI and PET scans are paid in full under the Essentials cover. Extra cover available with add-ons 1, 2 & 3

Radiotherapy / Chemotherapy


No annual maximum plus drug treatment of cancer (chemo, hormone & biological therapies) where drug has been licensed for use and it is used with licence terms.

Day-patient or out-patient NHS chemotherapy or radiotherapy Cash Benefit of £50 per day up o £2,000 per year. Optional extra cover available with add-on 8 (Extra Cancer Cover)



Available with Therapies option (add-on 4)

Alternative Therapies

The Therapies add-on provides benefit for GP referred acupuncturist, homeopath and therapist treatment charges in any combination. Any further therapist, acupuncturist and /or homeopath treatment must be under the control of the specialist.

GP referred physiotherapy, osteopathy, chiropractic and acupuncture treatments


Available with Therapies add-on for up to £1,000 and 10 sessions of treatment a year for GP referred therapist

Dental & Optical

As part of the Health Select health insurance plan you can opt for additional dental and optical cover with add-on 7 (Dentist & Optician Cashback). Add-on 6 (Extra Care) also covers specified oral surgical procedures.

Optical Benefit


Add-on 7 offers 80% of the cost up to a maximum of £140 every year for prescribed spectacles and contact lenses needed to correct vision. This option also gives you £25 towards eye tests each year

Routine Dental Benefit


Available with add-on 7 offering 80% of the costs of eligible dental care up to a maximum of £300 each year

Policy Options

Psychiatric Treatment


Psychiatric cover is available with Health-on-Line’s Mental Health Add-on. This option provides cover for eligible in-patient and day-patient psychiatric treatment, paid in full providing treatment takes place at a private hospital or day-patient unit listed in the Director of Hospitals.

In addition, this add-on has an out of directory cash benefit of £50 per day/night when treatment takes place at a hospital not listed in the Director of Hospitals. This add-on also provides cover up to no annual maximum for specialist consultations and Psychologist and cognitive behavioural therapist charges for psychiatric treatment.



Optional discounts for excess at £100 (10%), £250 (20%) and £500 (30%). Capped conditions apply.

Hospital Lists


Health-on-line selects all of the hospitals on their list carefully, checking for quality. They also have a list of over 15,000 Priority Health specialists across the country.

By working together with hospitals and specialists, they can make sure you get care at the best possible price.



Choice of Moratorium Underwriting, Full Medical Underwriting or Continued Medical Exclusions (Switch) basis of underwriting (terms apply). Maximum age on entry under moratorium is 74.

Additional Benefits

As a modular focused private medical insurance plan, Health Select offers a range of additional benefits to suit your needs, including:

Nursing at Home


Add-on 6 covers nursing at home in full for intravenous cytoxic chemotherapy or intravenous antibiotics

Private Ambulance


Paid in full between hospitals in the UK when medically necessary and receiving private in-patient/day-patient treatment

Parental Accommodation


Paid in full if the child is under 16 years of age

Out-of-band Benefit


£50 per day/night

No Claims Discount Facility


Yes. Up to 65% no claims discount

Emergency Cover Abroad


Optional with add-on 9 -Travel. This provides the policyholder and their family members with cover towards the cost of emergency medical treatment abroad.

Age Limit for Children


No limit, providing unmarried

Intensive Care


Paid in Full

Health Screening Discount


Discount for Nuffield Health and BMI Healthcare Screenings

Built-in Travel Cover


Add-on 9 offers cover on medical costs, additional expenses and delayed departure

Helpline & Support


Access to AXA PPP healthcare’s Health at Hand 24-hour medical information helpline

We have taken care to ensure that the information on this Drewberry owned website is accurate. However we can give no guarantee as to the accuracy of the content of the site. We accept no liability for any losses whether direct or indirect arising from errors on our part.

Got any questions?

Let us help you find a private medical insurance plan that suits your needs by either completing a health insurance quote online or calling us on 0208 432 7333 to speak with our experts.

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Really, really helpful! Stopped me from signing up with an unhelpful company, and did basically all of the legwork for me in signing up with the right one. I can't have been the most helpful client as I'm 19 and only just started looking into it last week, but he took all the questions in stride! Put up with me turning to ask my dad questions every 2 minutes as well. I was helped by 2 workers; Sam and Nick. Thank you very much to both!
L Finch
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Good communication and follow ups. Friendly. A thorough research for my insurance needs.
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Sam Barr-Worsfold was very helpful and provided excellent customer service. Sam discovered I was paying too much premium for my current cover. Sam recommended and helped moved to a new cover with lower premium that provided the level of cover (terms required stated in the provider's policy) I wanted. I recommend highly recommend Sam and Drewberry Insurance. Thank you Sam.
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Thorough, knowledgeable and great communication
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Went through each policy in detail and made sure I was getting the correct one for me