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 plan, 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 annual travel 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. From renewal 1 November 2018 the common renewal date will now be the review date of the policy .


A range of multi-trip, annual holiday and business travel insurances. Pre-existing conditions covered, subject to terms and conditions. You must be fit to travel and not have a terminal diagnosis.

Members must join the policy before their 85th birthday.

For further details regarding the travel plan, please contact Towergate Health & Protection on 0800 389 7724 or by email at opening hour are 9am – 5pm Monday – Friday or alternatively you can apply directly by calling AXA PPP Healthcare on 0800 174 013, opening hours for AXA PPP healthcare are Monday to Friday 8am to 8pm and Saturday 9am to 1pm.  (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 Healthcare is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.