Yes, I have AXA but get it as a work benefit, not used it for years then loads last year, two shoulder ops on my displaced clavicle, got my fractured scaphoid fixed and then the wife needed some procedures. On the whole it’s been brilliant, top hospitals and surgeons, the excess is £200 a year.
When I fractured my clavicle my local hospital was overstretched with three major car accidents, couldn’t even xray it for over a week, it was practically compound, a quick call to AXA went private and had emergency surgery that night.