Private healthcare for small and medium businesses - AXA PPP healthcare
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Looking after the backbone of Britain Business Health Select Private healthcare for small and medium businesses
Jack of all trades card V1 - 09.04.14
Jack of all trades You’re the first through the door, and the last
to leave. The jack of all trades and the master too.
Jack of all trades
Small businesses are the fuel that powers Britain. You’re the
Cornerstone V1 - 09.04.14
future employment prospects for millions, the cornerstone of
our recovery, and the backbone of our economy.
The
cornerstone
of our
recovery And it’s our job to keep you healthy.
We can help you build a healthcare plan that’s as unique as
your business. A plan to fast track you and your people
with access to diagnosis and treatment.
And to support you all back to health, and back to work as
quickly as possible.
We’re committed to working together with you to ensure
your business healthcare scheme is tailored to your
business and that you and your employees are
supported every step of the way.
2
Contents
Benefits of healthcare cover for your business . . . . . . 4 Support for you to help ease the pressure . . . . . . . . 16
Building a plan for your business . . . . . . . . . . . . . . . 6 Support for your team as part of your membership . . 18
Manage the cost of your plan . . . . . . . . . . . . . . . . . . 8 Your choices explained . . . . . . . . . . . . . . . . . . . . . 20
What you can expect from us . . . . . . . . . . . . . . . . . 11 Your options explained . . . . . . . . . . . . . . . . . . . . . 23
Our Heart and Cancer Commitment . . . . . . . . . . . . 14 Start small – think big . . . . . . . . . . . . . . . . . . . . . . 30
3
Nothing compares to the independence of managing a
business, but it can be tough too. You have to wear all the
hats, juggle all the balls (and budgets), and keep going
long after everyone else has downed tools for the night.
One thing is certain, it’s a lot easier to keep all the plates
spinning when you and your team are fit and healthy.
We’ve thought of everything we can do to help get you
better and back to work fast.
Benefits of healthcare
for your business
4
Benefits of healthcare for your business
• Build a healthcare plan as personal • See an experienced specialist or • Added value to your team with our
as your business practitioner every time member offers
We offer a wide range of flexible choices that can Know that you’re always seeing someone who’s an You and your team will have access to member
be tailored to suit the needs of your business and expert in their field, someone with all the specialist discounts at health clubs across the UK making
your budget. knowledge, skills and training needed for your keeping fit and healthier a lot easier. And you
diagnosis and treatment. can also get money off expert lifestyle health
assessments so you know just how well you’re
We work with over 24,000 experienced specialists
• Get appointments that fit around looking after yourself.
and practitioners.
work and remove the hassle
You need to be in work, not waiting in queues feeling
• Expert help • Meeting your duty of care
unwell. With our Fast Track Appointments service,
we can save you precious time and trouble by We’ll help to keep your employees as fit and healthy
Imagine having a medical expert you could call
booking your appointments fast. as possible so that they’re able to work productively
anytime you or your team have a health worry, big
for your business.
When your GP refers you or one of your team for or small. Our nurses and counsellors are available
treatment, just ask for an open referral (which is a by phone 24/7 to give health information and help The services included with your healthcare plan can
referral that doesn’t name an individual specialist) support your team whenever they need it. also help towards meeting your duty of care.
and we’ll arrange and book everything to suit you, With health constantly in the news and all over the
including the right time, the right location (near web, it’s tough knowing what to trust. Our online health
home or work) and even outside of normal working centres bring together the latest information and facts • And it costs less than you may think
hours. We aim to have booked your appointment by from our own doctors and nurses, leading medical A healthcare plan probably costs much less than you
the end of the next working day. authorities, specialist charities and NHS resources so may think. For many of our members, subscriptions
you get straight to the information you need. are less than everyday costs like mobile bills, a daily
visit to the coffee shop, or even printer cartridges.
• Fast telephone access to expert Your budget is an important part of all the points we
physiotherapy services • Dedicated Heart and Cancer Nurses consider and we can easily talk you through your
As a member of AXA PPP healthcare, with our at the end of the phone choices so you get healthcare at a price that suits you.
Working Body service you can arrange a phone call If you or one of your team should fall ill with cancer
with a physiotherapist about all types of conditions or a heart condition, one of our qualified nurses
that affect bones, joints and muscles, to make sure will support them and their family, offering expert
you're getting the advice and treatment that's right guidance on treatment, side effects, feelings and
for you. And there's no need to see your GP first. even how to talk to friends and family about their
condition.
5
With such a wide range of flexible choices there’s a healthcare
Building a plan for plan just waiting to be created for every business and budget.
your business You can tailor everything from the kinds of treatments you want
to cover to how you pay.
6
Building a plan for your business
1.
Start with the
Core plan
2.
Add or take away these options until you get a plan that fits your business
Core
Plan
Out-patient Standard Enhanced Full
options out-patient or out-patient or out-patient
See ‘Your choices
explained’ on page 20.
Your choice
More Mental Extended Extra Cancer of Employee
Therapies Extra care
options health cover cover Assistance
Programmes
Additional Dentist and
Travel
options Optician
Cover
Cashback
3.
Manage the cost of your plan
Six week
Excess How to pay Two year fix
option
• Six or more of you? • Add the family too • Let us help
You can create a plan that Add family members to get If this is the first time you’ve
provides different levels of cover healthcare cover at business rates. looked at buying healthcare
for different groups of people. insurance, there can seem a lot to
Some businesses provide more take in. The best way to work out
cover for their management teams what’s right for you is to call us on
or other key staff. 0800 38 77 54.
7
To find out more about your core plan and other options go to page 20.
Manage the cost of your plan 8
Manage the cost of your plan
Control your subscriptions in a Your underwriting options:
number of ways:
• Choose an excess • Two-year moratorium • Fully underwritten
You can choose an excess of £100, £250 or £500 as How members are covered for How members are covered for
a way of controlling your subscription. pre-existing conditions pre-existing conditions
If they have experienced symptoms or been treated Pre-existing medical conditions will be excluded from
for a medical condition in the last five years, they'll cover where necessary.
• The six week option only be covered for that condition after:
Medical declaration form needed – we may
ü
If you’re comfortable using the NHS but worry •
they’ve been covered by us for two consecutive also ask for a GP medical report.
about potentially long waiting times, then the six years (this is the moratorium period)
week option could be for you. If eligible treatment • they’ve been completely free of any form of
is available on the NHS within six weeks from the treatment, investigations, medical advice, drugs
date it should take place, then you will use the NHS. • Medical history disregarded
or medicines or special diets relating to that
However if the wait for treatment is more than six condition for a consecutive one-year period How members are covered for
weeks from when it should take place, then you can pre-existing conditions
go private straight away. Medical declaration form not needed.
•
Cover is provided for treatment of previous medical
As a guide, choosing this option for each of your conditions, subject to the membership terms.
employees could save you up to 20% off your Only available if you cover 15 or more people.
annual subscription. • Continued medical exclusions
How members are covered for Medical declaration form not needed.
•
pre-existing conditions
• Choose how you want to pay Continued medical exclusions is usually an option
You can save 5% by paying your subscription yearly. if you switch to us from another health insurer.
This means that in most cases, we will give you the
option to continue any medical underwriting that was
applied by your previous insurer.
• Choose to fix your subscription for
When you switch, remember that our membership
two years terms will start to apply to your plan and these
You can choose the reassurance of knowing what are likely to be different to those of your previous
subscription you’ll pay for each employee for the next insurer. If you’re not sure how this might affect your
two years. cover, please call us on 0800 38 77 54.
Medical declaration form not needed in most
•
circumstances.*
*Please note a medical declaration form will
9
be required for groups of 1-2 members.
What you can create
These are four fictional businesses
created to show how flexible cover
and costs are. The businesses are
based in Guildford, Surrey, each
with six employees aged 25, 30,
35, 40, 45 and 50.
•D
aisychain •A
ppletree •B
luebell Wood •C
loverfield
The businesses all have core cover Holdings Trading Enterprises Associates
and Extra Cancer cover as standard.
We chose an excess of £100, a In addition to core cover Appletree Trading has Bluebell Wood wanted Cloverfield Associates
Daisychain Holdings opted to include the to give their employees has unlimited out‑patient
two-year moratorium and annual included two out-patient Standard Out‑patient the options of cover for consultations.
payment for all four. consultations a year. Option with their private GP consultations
Their work is in a high
core cover. and using any hospital
Whilst diagnosis is pressured industry
Plan costs are representative as carried out privately, Because their work is
in the UK, so extended
and things can get
cover was added.
of October 2016. members will use the physically demanding stressful now and then
NHS for treatment when cover for physiotherapy They also have the so mental health and
Here are some examples of how we available within six
weeks of when it should
was also included. standard out-patients
option and therapies
extra care cover was
added too.
tailored a plan to suit their business. take place.
Equivalent weekly
subscription:
included.
Equivalent weekly
Equivalent weekly £38.55 or Equivalent weekly subscription:
subscription: £6.43 per employee subscription: £54.30 or
£28.34 or £47.34 or £9.06 per employee
£4.72 per employee £7.89 per employee
10What you can
expect from us
11Your access to specialists and private healthcare
We hope you’ll never need to see • Over 250 hospitals and 250
inside a private hospital, but if you scanning centres
Means you’re never far from where you need to be.
do, you can be sure you’re putting
your health in the hands of expert
specialists. • With access to over 24,000
specialists
You’ll also appreciate just how the
You can relax knowing that you will be seen by an
little things like eating great food expert in their field.
and having your own room make
such a big difference to getting you • You’ll usually have your own room,
back to health, and work, faster. with a TV, an en-suite bathroom and
usually Wi-Fi
Everything is designed to help you get To help you stay connected.
better, whether your stay is long or
short. You’ll also find that the nurses
• No restrictions on visiting hours
and staff have that extra time needed
So your friends and family can visit you whenever
to make you feel at home. you want.
12What you can expect from us
Fast Track Appointments
When your GP refers you or one of your team for treatment, we can find the right specialist,
at the right time and place for you.
All you need to do We’ll do the rest
To find the right specialist for you: • We’re ready to help you, just
call us
Your GP gives you an open referral (which is a If you need to see a specialist, ask your GP for an
referral that doesn’t name the specialist you open referral, and then call us. We’ll tell you what
should see). you’re covered for, and help you make the most of
your membership by taking care of everything for you.
Just call us and we’ll check where and when
will suit you best and book your appointment
for you, making it simple and hassle free. • We’ll make sure you see the
right specialist.
Alternatively if you’d prefer, we can provide All of our recognised specialists have a
you with the names of up to three specialists, consultancy level which means they can provide
all experts in their field, who you can advice and treatment for the most complex and
contact directly. challenging health conditions.
• We’ll make it quick, convenient
and easy
We’ll make sure your appointment is at a time
and place that’s convenient to you, so you won’t
In fact, with our Fast Track have to worry about travelling further away than
Appointments service, on average necessary.
our members with an open referral • We’ll act with urgency
are seen twice as fast as those If you were to call us with suspected cancer or a
heart condition, the moment we get off the phone
members whose GPs have referred with you we’ll act with urgency to get you an
them to a named specialist.* appointment with an appropriate specialist.
*based on 2015 AXA PPP healthcare data.
13We are committed to better care and
support for the conditions that worry
our members most: heart disease
and cancer.
Despite all the advances of
modern medicine, these are still
the words you never want to hear
from your doctor. They are also two
conditions that have seen dramatic
improvements in treatment and
survival rates over the last few years,
with new treatments and drugs
constantly making headlines.
With these advances and changes to the way people
are treated, the needs of our members have changed
too. With increasing survival times*, people are more
likely to need treatment and care for longer. It’s vital
our private healthcare cover reflects this. That’s why
we’ve enhanced our cover with our Heart and Cancer
Commitment and also give you the choice of extending
your cover for cancer when you take out your plan.
Our Heart and Cancer Commitment
extensive cover and care
*Source: www.ons.gov.uk
14Our Heart and Cancer Commitment
Our heart cover
Extra cover and care for heart conditions.
Members diagnosed with a heart condition will now
have access to our successful Dedicated Nurse service
which will be available by phone throughout their
treatment and recovery: listening, understanding and
giving information, with the time to give the member
and their family all the support they need.
Our cancer support
ur Dedicated Nurses have a lot of experience and
O
expertise in supporting our members who have been
diagnosed with cancer. It means there’s a consistent,
reliable person at the end of the phone there for
members and their families to talk to about everything
from eating well during chemotherapy to how to cope
at home after surgery. This is the kind of long-term,
committed help that we know members value.
15Support for you to help ease the pressure 16
Support for you
With Working Body, we’re We know how busy work keeps you,
helping to keep businesses so whenever you need to call us
like yours moving about your plan, you’ll get straight
through to an Account Manager
Life can be tough on your body. It’s no surprise that from our small business team.
musculoskeletal conditions like back, neck and muscle
problems cause more prolonged work absences than
any others*. • Company membership information
et busy working people can often put off going to see
Y
that’s always to hand
Work related Musculoskeletal Disorders
a doctor about their conditions until it starts to impact You can check and manage your business
represent 44% of all work related illness** membership at our secure online site. You can
their daily lives. That’s understandable when you’ve got
lots to do, and aren’t able to take time out of your day access membership documents such as your Group
for arranging appointments and visiting a GP. Secretary Guide, membership handbook and our
Directory of Hospitals.
So we’ve made things much easier.
ith Working Body, we’re helping to keep businesses
W
like yours moving. With quick access to diagnosis and
treatment this could really benefit your business and
55% • Take a look at our Business
Health Centre
your team. reated specifically for small businesses, with a host
C
of articles, videos and tips to help support the health
s part of your core cover, you or your team can call
A
of you and your employees at work.
and speak to one of our physiotherapists without 55%† of SME business decision makers agree that
needing to see a GP first. employees don’t generally take time off work axappphealthcare.co.uk/bhc
when they have back problems. You can also sign up to our monthly business
If a course of hands-on treatment is what’s needed,
healthcare e-bulletin.
they’ll let you know if you’re covered and make
the arrangements for you to see someone who’s a
convenient distance from work or home.
PEN
GP O pm
to 5
9am
76%† of SME businesses agree that there aren’t
enough out of hours GP appointments.
*Labour Force Survey, Office for National Statistics 2013. ** Work Related Musculoskeletal Disorder Statistics in GB 2014/15, Health and Safety Executive. †One Poll Survey, September 2014 17Your team will have online access to
their membership and should they
need to make a claim our Personal
Advisers are ready to help.
• Employee membership made easy –
for you and your team
Each member of your scheme gets their own secure
online member area called Customer Online where
they can contact us, check details of their cover, find
out how they go about claiming, and see the range of
services and benefits available to them.
There’s also a link to our online health information
services so they can find out more about health and
wellbeing issues, or look up any health issue that’s
troubling them.
Support for your team as
part of your membership
18Support for your team
• Claims made simple • Member offers
We ask members to always call us before they We can help make it easier for people to be healthier
go ahead with any kind of treatment they plan to and well. With AXA Fitness Works, they’ll be able to
claim for. access a range of discounts at gyms nationwide,
including discounted annual PureGym membership.
All they need to do is call our expert Personal
Advisers with details of their proposed treatment.
Our Personal Advisers have lots of experience and
training, and can access your specific plan details • Our Second Opinion Service
immediately. This means they can usually confirm
We want to make sure that you are completely
the cover that’s available there and then.
Pre-authorising treatment like this means that you happy with any experience you have with us. Our
and your employees can be confident of knowing Second Opinion Service provides you with extra
whether they are covered before treatment. reassurance if you’re uncertain about a diagnosis
or treatment plan. Where you have an out-patient
option on your plan we’ll pay for all eligible costs
• Expert help – just ask, any time of involved with the second opinion, such as the initial
appointment with the new consultant and any new
the day
tests needed. This ensures that we help get you
Imagine having a medical expert in the family.
back to health and work as quickly as possible.
Someone your team could call anytime they have a
health worry, big or small. That’s exactly what Health
at Hand gives them. They can call our medical experts
any time of the day or night.
They will also have access to our online Health
Centres which bring together the latest information,
facts and figures from experts and NHS resources
so they can find everything they might need to know
quickly and easily.
Your team will also be able to put questions to our
panel of experts at our regular live online discussions.
19If your business involves manual labour you may
want to include therapies cover, or if you operate
Your choices explained in a high pressure environment mental health
care may be important. It’s all entirely up to you.
20Your choices explained
Your core plan
Here’s what’s included for everyone on your plan.
Your benefits What we pay
If you’re an in-patient or day-patient
• P
rivate hospital and day-patient unit fees including accommodation, Paid in full so long as you use a hospital or day-patient unit in our Directory
diagnostic tests, using the operating theatre, drugs and dressings, of Hospitals
radiotherapy and chemotherapy and surgical appliances that the specialist
uses during surgery
• Specialist fees including surgeons, anaesthetists and physicans No yearly limit
• H
ospital accommodation for one parent while a child under 16 is Paid in full
receiving eligible treatment
• H
otel accommodation for one parent while a child under 16 is £100 per night up to £500 a year
receiving eligible treatment
If you’re are an out-patient
• Surgery No yearly limit so long as you use a hospital or day-patient unit in our
Directory of Hospitals
• We will cover the cost of CT, MRI or PET scans referred by a specialist Paid in full at a scanning centre, or a hospital listed as a scanning centre,
in our Directory of Hospitals
›
21Your core plan continued
› Other benefits
• Ambulance transport to transfer you to another medical facility if you are Paid in full
receiving private treatment
• Cash payment if you have out-patient or day-patient chemotherapy or £50 a day up to £2,000 a year
radiotherapy free on the NHS
• Expert Help Direct access to healthcare experts for members 24/7
What’s not covered
As with most private healthcare plans, there are some general exclusions
and limitations. The plan does not cover members for:
• Medical conditions that existed prior to joining unless you have
transferred on a Continued Medical Exclusions or Medical
History Disregarded basis
• Routine pregnancy and childbirth
• Long term chronic conditions for example diabetes or asthma
• Cosmetic treatment
e’ll make you aware of all the key exclusions when we speak to you or in
W
the literature so there are no surprises.
22Your options explained
23Out-patient options
Here’s what’s included in the out-patient options you choose.
Your benefits What we pay
Standard out-patient option
• S
pecialist consultations Up to two consultations a year
• Diagnostic tests when your specialist refers you No yearly limit
Enhanced out-patient option
• S
pecialist consultations A combined yearly limit of £1,000
• Diagnostic tests when your specialist refers you
• P
ractitioner fees including nurses, dieticians, orthoptists and speech
therapists
Full out-patient option
• Specialist consultations No yearly limit
• Diagnostic tests when your specialist refers you
• Practitioner fees including nurses, dieticians, orthoptists and speech
24 therapists
24Your options explained
Options
Here’s what’s included in the option you choose.
Your benefits What we pay
Therapies option
• Fees
for out-patient treatment by physiotherapists, acupuncturists, No yearly limit on fees:
homeopaths, osteopaths or chiropractors • up to an overall maximum of 10 sessions in a year when your GP refers
• Access to Working Body (for more information see page 17) you, or when you have therapist treatment through our Working Body team
• further sessions (as long as we agree them first) when your specialist
refers you.
Mental Health option
If you're an in-patient or day-patient
• Private
hospital and day-patient unit fees for psychiatric treatment, Paid in full at a hospital or day-patient unit in our Directory of Hospitals
including accommodation, diagnostic tests and drugs
• Specialist fees for psychiatric treatment No yearly limit
If you’re an out-patient
• Specialist consultations for psychiatric treatment No yearly limit
• Psychiatric treatment by psychologists and cognitive behavioural therapists No yearly limit
›
25Options continued
› Extra Care option
• Nurse to give you chemotherapy or antibiotics by intravenous drip at home Paid in full
• Cash
payment when you have free in-patient treatment under the NHS. £100 a night up to £2,000 a year
You can also receive this cash payment if you have treatment in an NHS
Intensive Therapy or Intensive Care unit, whether it follows private treatment
or not.
• Oral surgery so long as your dentist refers you Paid in full so long as you use a facility that we have an agreement with
covering oral surgery
• Chiropody fees so long as as your chiropodist is qualified Up to £150 a year
› Extended cover option
• E
xtra cover for treatment at any hospital, day-patient unit or scanning centre Paid in full up to the normal daily rates published and charged by the facility
in the UK that is not listed in our Directory of Hospitals
• Extra cover for treatment received outside of the UK Up to the cost we would pay for equivalent treatment in the UK
• Extra cover for fee limited specialists Paid in full
• Private GP fees for consultations Up to £500 a year
• D
octor@Hand consultations Up to five on-line, video or telephone consultations a year with a
Doctor@Hand GP
26Your options explained
Extra Cancer Cover option
Here’s what’s included. Due to the nature of cancer we cover it a little differently to other conditions.
You can increase your benefits to include:
Your benefits What we pay
• No time limits on cancer treatment No yearly limit
• E
xperimental drugs if you take part in a randomised clinical trial that the Your stay in hospital, including specialist fees, is paid in full
appropriate ethics committee has approved, so long as we agree it first
• S
pecialist consultations with the specialist treating your cancer even if you Consultations not deducted from out-patient limits
don’t have an out-patient option on your plan
• D
iagnostic tests as an out-patient even if you don’t have an out-patient The tests are not deducted from out-patient limits
option on your plan
• H
ospice donation Donation to a hospice where you are having end of life care or a donation
to a service providing hospice at home care
• We will pay for external prostheses (such as limbs) and for wigs £5,000 for external prostheses and £150 for wigs
• W
e will provide cover for cancer no matter what path it takes, even if it
recurs or spreads and so long as you remain a member we’ll continue to
cover treatment if the cancer becomes terminal
27Additional options
Here are some other options to complement your plan.
Your benefits What we pay
Dentist and Optician Cashback option
• Dentist fees 80% of your dentist’s fees, up to £400 a year
• Optician fees 80% of the cost of prescribed glasses and contact lenses, up to £200 a year
• Eye test Up to £25 a year for an eye test
Travel cover
• Travel
Cover is an annual policy making it easier for you and your employees The benefits include:
to travel abroad on business or leisure. What’s more if you make two or No medical history required when you take out cover
more trips abroad each year it’s cost effective too.
A broad range of medical benefits
Business and leisure travel covered
On-piste winter ski cover included
28t
Your options explained
Your Employee Assistance Programme (EAP) choices
Balancing the demands and pressures brought about by today’s busy world, an EAP needs to do much more
than simply help you meet your duty of care.
You can plan access to professional expert help with telephone guidance and online support for everything
from childcare to debt, and legal to relationship issues. It’s a bit like the Citizens Advice service just for you
and your team. You can choose from:
EAP Essential EAP Premier
• Unlimited
access to telephone support available 24/7 for psychological Offers all the support of EAP Essential but in addition provides:
and mental issues
• Telephone access to a fully qualified counsellor • F
ace to face counselling with up to five sessions per team member with
a clinical specialist
• E-counselling for those who prefer to communicate digitally • Complex cases escalated to a psychologist
• LifeManagement™
– a unique combination of services with telephone • Managerial Consultancy to help managers meet day to day team challenges
access to skilled consultants to help with everyday issues such as debt
management, relationships and legal concerns
• Online
information and guidance for your team including a
dedicated website
• 24/7
telephone helpline for health information from our
Health at Hand team
2933,000+ small and medium business like yours with 220,000+ employees covered Start small – think big 30
Business Health Select is the result
of everything we’ve learnt over 75
years of looking after our members.
We started small but, by showing
that what we do really does work, we
now look after thousands of small
and medium businesses – each one
different from the next, with their own
concerns and priorities.
Of course, our members and their needs are very
different today. But the nurses, doctors, practitioners,
underwriters, advisers and other professionals in our
team continue the traditions we’ve become known for
– embracing groundbreaking treatments and creating
new, faster ways to access them.
Being part of the AXA Group – one of the world’s
largest insurers – means added financial security.
And being looked after by our small and medium
business dedicated teams gives you the best of
personal service and choice, plus the better value that
our size allows us to bring you.
31We can help you create a healthcare plan that’s
just right for your business and your budget.
We know how busy you are, so we’ll be fast but thorough. We also guarantee that
we won’t contact you again using the details you give us unless you want us to.
Call our small business experts
0800 38 77 54
8.30am to 5.30pm, Monday to Friday
Get a quote online
axappphealthcare.co.uk/business
95%
Member satisfaction.
We may record and/or monitor calls for quality assurance, training and
as record of our conversation.
Our Business Health Select plan
Based on a survey of 592 allows you to build an excellent
small and medium business level of cover, as indicated by a
members 95% were satisfied
Defaqto 5 Star Rating.
with AXA PPP healthcare
The Defaqto 5 Star Rating is based on an
(October 15 – July 16)
assessment of the overall product, including
the optional components. Where not all of
the options are taken, this might affect the
rating of the product.
PB59506/04.17
AXA PPP healthcare, Phillips House, Crescent Road, Tunbridge Wells, Kent TN1 2PL.
AXA PPP healthcare Limited. Registered Office: 5 Old Broad Street, London EC2N 1AD, United Kingdom.
Registered in England No. 3148119. Authorised by the Prudential Regulation Authority and regulated by
the Financial Conduct Authority and the Prudential Regulation Authority. © AXA PPP healthcare 2017.
We may record and/or monitor calls for quality assurance, training and as a record of our conversation.You can also read
