Provider comparison
Aviva Health vs AXA Health
Side-by-side comparison from the PerkIQ directory. Cover, pricing, regulator status, and fit at a glance.
- Group PMI. Inpatient and outpatient cover with flexible excess and hospital list options. Cancer care included as standard on all plans.
- Digital GP. Video GP appointments available seven days a week, included on most corporate plans, with prescription and onward referral.
- Mental health support. Access to talking therapies and a mental health helpline. Some plans include structured CBT sessions.
- Bundled group risk. Combine PMI with Aviva group life, income protection, or critical illness for consolidated admin and potential premium discounts.
- Flexible underwriting. Moratorium and medical history disregarded (MHD) underwriting options available, suited to new and transferring schemes.
- Comprehensive PMI. In-patient, day-patient, and outpatient cover with flexible tier design. Open-referral, guided, or directional schemes.
- Doctor At Hand virtual GP. Video GP consultations seven days a week, prescriptions to your local pharmacy, and onward referrals into the AXA network.
- Mental health pathways. Direct-access talking therapies with no GP referral required. Up to 25 sessions on most corporate plans.
- Tiered scheme design. Differentiate cover levels between senior leadership, mid-management, and broader workforce in a single scheme.
- Employers wanting a recognised brand: Aviva is one of the UK's most trusted financial names and well understood by employees.
- Businesses already using Aviva pension or group risk: bundling often unlocks discounts and simplifies renewal.
- SMEs wanting competitive mid-market PMI: Aviva is typically priced competitively for straightforward inpatient-focused cover.
- Employers prioritising the deepest mental health cover: Bupa and Vitality tend to offer more sessions and direct-access pathways.
- Businesses wanting a rewards or engagement programme: Aviva PMI is coverage-focused rather than behaviour-incentive-led.
- Employers wanting service-led PMI: AXA Health competes on digital health tools and member support rather than on being the cheapest.
- Workforces that value virtual GP and mental health support: talking therapies, musculoskeletal and remote GP services are central to the offer.
- Mid-sized and larger employers: flexible underwriting (moratorium or medical history disregarded) suits established schemes.
- Lowest-cost seekers: entry premiums are rarely the cheapest on a like-for-like basis.
- Very small teams: a cash plan often delivers more visible value than full PMI at low headcounts.
Aviva prices group PMI per employee per month, based on age profile, cover tier, selected excess, and hospital list. Typical SME premiums range from approximately £25 to £90 per employee per month for standard inpatient cover.
Bundling with Aviva group risk products can reduce overall cost. Schemes are generally placed via a broker; direct schemes are available but less common.
Indicative range based on UK market data; obtain a formal quote via Aviva or an FCA-authorised broker.
Not stated
- FCA authorised & regulated
- FTSE 100 listed
- 16m+ UK customers
- Group risk bundling available
- Broker channel preferred
- Cancer care standard on all plans
- FCA authorised & regulated
- Part of AXA Group (global)
- 1.5m+ UK members
- Strong corporate tiering options
- Direct & broker channels
- Doctor At Hand virtual GP
Pick the right one with data, not a sales pitch
Score your benefits stack with PerkIQ and you'll see which of these (or another provider entirely) closes the biggest gaps for your team.
Information on this page is editorial, gathered from public sources and the providers' own materials, and does not constitute financial advice or a recommendation. For a quote, contact each provider directly or speak to an FCA-authorised broker. PerkIQ is not a reseller and earns no commission on provider sign-ups.
