The differences are in the detail.

Comprehensive; Treatment and Care is a separate, narrower alternative.

AXA Health Plan: choose care options, with rules on combinations.

Healthier Solutions: core cover with enhancements and cost-reduction options.

Full health insurance with Core Cover and optional benefits; not Health Lite.

Eligible hospital care within your selected network.

Requires Inpatient and day patient care. Not included with outpatient-only cover.

Inpatient and day-patient treatment in core cover.

Eligible private hospital treatment in Core Cover.

Consultations and tests covered, subject to your chosen outpatient allowance.

Outpatient option: three specialist consultations annually or no yearly consultation limit.

Outpatient care and diagnostics in core; cover can be reduced to lower the premium.

Choose an outpatient limit from £500 to £1,500, or full cover for consultations and diagnostics.

Eligible consultant-requested MRI, CT and PET scans paid in full.

Outpatient tests/scans require a specialist referral and an approved facility; direct GP referrals are not covered.

Diagnostic scans included; check your final benefit schedule if reducing cover.

Confirm scan-specific cover with your outpatient selection; do not assume every scan shares the same limit.

Full cancer cover or no cancer cover can be selected.

Cancer care is a separate option. Outpatient diagnosis cover alone does not fund cancer treatment.

Cancer diagnosis, treatment and aftercare included, subject to the Cancer Pledge terms.

Comprehensive cancer cover included in Core Cover.

Eligible mental health treatment included; outpatient allowance and individual admission terms apply.

Mental health care must be bought with another care option. Confirm treatment limits on the quote.

Up to £2,000 outpatient mental health support in core; 28-day inpatient cover is an option.

Up to eight Talking Therapy sessions per plan year in core; broader mental health cover is optional.

Eligible outpatient therapies, including physiotherapy, draw on the chosen outpatient allowance.

Outpatient option: up to 10 combined physiotherapy, osteopathy and chiropractic sessions.

Specialist-referred therapies in core; GP-referred therapy is an optional enhancement.

Up to six Priority Physio sessions in core. With outpatient cover, network sessions paid in full; outside-network limits apply.

Video/audio GP appointments through My Bupa, including nights and weekends; check policy eligibility.

24/7 online GP appointments; online physiotherapy access also described by AXA.

24/7 Aviva Digital GP appointments. Non-contractual benefit that may be changed or withdrawn.

Online or telephone GP access; Care Hub brings together care requests and claims.

Hospital treatment must be within your chosen network; confirm the specific facility and consultant.

Private hospitals approved under the chosen plan. Confirm hospital and specialist choice before buying.

Hospital-list options and Expert Select available; reduced lists can lower cost.

Consultant Select or added hospital lists including Countrywide and London Care. Pre-authorisation rules apply.

Member-support routes explain claims. Direct specialist access may avoid a GP referral for some concerns.

Online member account, document upload and telephone support; use the route for your membership type.

Ask a GP for a referral, preferably open; contact Aviva to check the proposed treatment.

Obtain a referral or self-refer for certain services, then request cover through Care Hub.

Pre-existing and chronic conditions usually excluded; some cancer/mental health exceptions depend on terms.

Current outpatient page specifies a three-year look-back and two consecutive trouble-free years. Check your plan terms.

Pre-existing cover depends on underwriting; standard cover targets new, unexpected or short-term conditions.

Read personal exclusions in plan documents. Do not assume a current symptom is covered by Core Cover.

Premium varies by circumstances and cover. Request the excess basis and outpatient allowance in writing.

Price depends on the selected care options. Confirm your contribution and consultation limit.

Excess is your contribution to eligible claims; cover choices affect premium.

An excess may be payable to the healthcare provider; Vitality tells members where to pay it.