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Health insurance designed for the Channel Islands and Isle of Man

To get a quote or find out more, give us a call on +44 (0)1892 708395*.

Helping you access healthcare on the islands and the mainland

Giving you more healthcare choices 

The Islands Health Plan puts you in charge of your healthcare choices. You’ll have fast access to private care locally, with the extra reassurance of knowing you can have treatment in a UK or European hospital if you ever need it. To find out more about how the Islands Health Plan works in the Channel Islands, read our pages on health insurance in Guernsey or Jersey

A plan that works for you

Three simple steps to get the cover that matches your needs:

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1. Choose the cover level that matches your needs

There are four levels to choose from.

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2. Boost your cover with an upgrade

You can add Dental and Optical cover (which are already included with our Ultimate cover level), or extend your choice of hospitals to include more London hospitals.

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3. Manage your premium by adding an excess

We offer five levels of excess to help you lower your costs.

Pick your plan

Take a look at the summary of benefits within our sales brochure for a full description and to find a plan that suits you.

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Appointments at a time that works for you

If you can’t get the care you need on the islands, and need to travel for treatment, it helps to have a little more flexibility. So if you need treatment in the UK, our Fast Track Appointments team can book you an appointment at a time and place that works best for you – to fit in around flights, for example. All you need to do is turn up.

Waiting time is worrying time. So when you need to see a specialist, you need everything to happen fast. Our team will get back to you with an appointment by the end of the next working day. And on average, members who use the Fast Track service see a specialist twice as fast as people who use the usual private route, with a GP naming a specialist¹.

You can also book a phone or video appointment with a qualified doctor, with a range of languages to choose from. If you're too busy to go to a doctors' surgery, just book an appointment with our online doctor service at a time that suits you - day or night. This is available with all our cover levels. 

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Extra support when you need it the most

Cancer is the one diagnosis that most people fear. To support members during this stressful time, we have a dedicated cancer care team available by phone, for members receiving cancer treatment in the UK.

With years of experience in cancer support, our team can give you ideas on the questions to ask at appointments, help you decide on a treatment plan, advise on how to cope with chemotherapy, or simply be there to listen to you or your family members if you just need to talk. And they’ll continue to support you throughout recovery and beyond.

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Want someone to take another look?

If you’ve had a diagnosis but you’re still not sure, we can get a second medical opinion from a world-leading expert. And if your condition is serious or complex, a case manager can review your treatment, speak to your specialist directly, and answer any questions you or your family might have. It helps to remove a little of the stress, leaving you free to focus on getting better.

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Here for you when you need us

You’re never just a number to us. We’re completely focused on getting you access to the best possible care. 

We’re here to help you 24/7. Our customer service team will be happy to help with any questions about your cover, while the medical experts on our health helpline will be ready to answer any medical queries you have. 

If it’s easier for you to stay up to date online, you can use our secure member website, available day and night where our friendly advisers will be on hand to find out if we’ve paid your claim and see all your plan information.

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Speak to us for a quote

Our team can give you more information about our plans and explain what is and isn’t covered.

Give us a call on +44 (0)1892 708395*.

*Lines are open Monday to Friday, 8am-5pm (GMT time).

Calls may recorded and/or monitored for quality assurance, training and as a record of the conversation.