Beware those with elderly parents. My stepfather of 92 ended his life paying circa £8000 a year for AXA health insurance and as far as I am aware he and my mother had not used in the 21 years they were married. Unfortunately at the end of his days when he needed it he didn't even know how to use it due to the onset of dementia. In 3 more years AXA would have drained him if all his savings and still he was too proud to speak of it although by this stage he was not aware. Now my mother cannot afford the cataract operation she needs and AXA will not pay out unless she continues with subscriptions she can now ill afford due to the above-mentioned. However to be fair AXA did pay his daily rate for the 2 weeks he was dying in an NHS bed.