Spectrum
Health

Private medical cover

BNP Paribas’ Private Medical Cover provides extensive coverage, with no need for medical underwriting, no exclusions for pre-existing conditions and no excess charge on any claims. Administered by AXA Health, it offers a range of options for medical care for you and your family, faster access and more flexibility in treatment and cover for diagnostic tests, physiotherapy, home nursing and some alternative therapies. 

Prior to treatment you should:

  1. Read the AXA Health Handbook to ensure your treatment options will be covered. The Handbook can be found on Spectrum when selecting the Private Medical Cover option when selecting your benefits.
  2. Call AXA Health to discuss your referral and obtain authorisation for any claims. You will be reimbursed for the cost of both inpatient and outpatient medical treatment, up to the predefined levels set by the AXA Health Handbook.

BNP Paribas provides Private Medical Cover as a core benefit. You can add your partner and children (covered up to age 25).

Learn more and amend this benefit on Spectrum

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Starting a claim
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Ask the health professionals

  • 24/7 health support line: call 0800 003 004 with your health queries e.g. a specific health worry, medication and treatment or simply need a little guidance and reassurance.
  • Dedicated heart nurse: 0800 2182 303
  • Dedicated cancer nurse: 0800 114 811
  • Online Health Centres: get health information you can trust online
  • For queries: call 0800 068 6255
Pathways and support
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You can access dedicated pathways created to ensure your health and wellbeing is supported from signs and symptoms to treatment.

Mental health

You can access confidential specialist support for stress, anxiety and depression without the need for GP referral the Stronger Minds service. In some instances mental health problems can be long-term and considered chronic which often excludes support through insurance plans. You can be covered for chronic mental health claims, with no overall limit for out-patient treatment. You will need to be an AXA Health member to access this service.

Neurodiversity

If you or your family members over the age of 7 are suspected by a GP for Autism, Attention Deficit Hyperactivity Disorder (ADHD), Dyslexia, Dysgraphia or Dyscalculia, you can have access to assessment, diagnosis and initial support through ProblemShared - a clinician-led, CQC-regulated online mind-health provider. You will need to be an AXA Health member to access this service, and have a GP referral.

Muscles, Bones & Joints

You can access the muscles, bones and joints service, delivered by HBSUK - a specialist-led online service part of the AXA Group. You will have a specialist talk through your symptoms and assess you to advise on your next steps, whether this is further treatment such as a personalised plan, or tests. You do not need a GP referral but you will need to be an AXA Health member to access this service.

Cancer Pathways

Your Private Medical Cover offers access to self-referral cancer pathways with Check4Cancer. This allows you to access a specialist without the need for a GP referral. You will need to be an AXA Health member to access this service.

Skin cancer pathway

Breast cancer pathway

Prostate cancer pathway

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