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Plus, get a free £50 M&S gift card when you take out a plan.* One of the benefits of private health insurance is once you have a GP referral you can choose who to see and where to go, from a list of approved specialists and hospitals, making sure you get the treatment you need, when and where you want it.

*The Marks and Spencer voucher offer is for new customers only.

The vouchers will be sent to you within 28 days of receiving your first subscription payment if paying annually.

Or, if paying monthly, within 28 days of receiving your second month's subscription. Telegraph Media Group Limited (TMG) is an Introducer-Appointed Representative of AXA PPP Healthcare Limited.

The service is available on appointments that would be covered by your plan and we’ll pay for all eligible related costs involved such as the first appointment with the new specialist and any new tests.

Our Second Opinion Service is available to you when you take out the out-patient option.

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