*Terms & Conditions: 1. £100 M&S gift card will be sent to both you and your friend after 28 days of receiving your friend’s second subscription payment or 28 days after receiving your friend’s first premium if they pay annually. 2. If your friend cancels their plan within the first 60 days neither of you will receive your gift card. 3. To qualify for this offer your friend cannot currently be insured or have been insured in the last 3 months on an AXA PPP healthcare or Health-on-Line health insurance plan and cannot reside at the same household as you. 4.You must already be a member of AXA PPP healthcare or Health-on-Line with a live policy when your friend joins and when the vouchers are sent. 5. There are no limits to the number of recommendations that you can make but only one recommendation can be made per introduced household. 6. Your friend must be over 18 years old. 7. This offer cannot be used in conjunction with any other offers apart from our 5% discount for paying annually. 8. The offer is valid when your friend buys an individual AXA PPP healthcare UK or Health-on-Line plan, excluding corporate and budget plans. Purchases must be made directly and do not apply if brought through intermediaries or online. 9. Offer may be withdrawn at any time.