Towergate Health & Protection is an independently authorised broker, who acts on your behalf. As an independent broker, Towergate Health & Protection is also able to undertake a market review for you.

To support their members, NIRPOA works with Towergate Health & Protection to enable Towergate Health & Protection to market the policy, for which NIRPOA receive a fee.

Towergate Health & Protection negotiates  the overall renewal terms AXA PPP healthcare offers on this plan, with NIRPOA agreeing the recommendation. NIRPOA has no other role within the administration of this arrangement.

For clarity, there is no commercial agreement between AXA PPP healthcare and NIRPOA, who do not represent you or negotiate any aspect of your healthcare insurance with AXA PPP healthcare.

This cover is an individual contract of insurance between you and AXA PPP healthcare. The subscriptions under this arrangement are set each year by AXA PPP healthcare to take in to account the claims made by all the members of NIRPOA and their family members covered under the product. This arrangement has a common renewal date of the first of January each year.

Our intermediary Towergate Health & Protection has negotiated preferential rates on private medical insurance for NIRPOA members with AXA PPP healthcare.

For further details about the policy and quotations please contact Towergate Health & Protection on 0800 389 7724 or (calls may be recorded for training and monitoring purposes).

NIRPOA is an Introducer Appointed Representative of Towergate Health & Protection. Health and Protection Solutions Ltd, trading as Towergate Health & Protection, is authorised and regulated by the Financial Conduct Authority.

The NIRPOA travel and private medical insurance arrangement is underwritten by AXA PPP healthcare Limited. Registered in England number 3148119. Registered office: AXA PPP healthcare, 5 Old Broad Street, London, EC2N 1AD. AXA PPP is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.