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Be prepared for Brexit with international health & travel insurance

With the Brexit transition period officially over, as of the end of 2020, it's important to be prepared for the changes taking place. Whether you live in mainland Europe or the UK, commute between the two, or look after employees who do this, read on to find out how our international health insurance plans could help you. 

Let us answer some of the questions you might have.

If you’ve previously relied on European Health Insurance Cards (or EHICs) to access healthcare in the EU, you can still use these until their expiry date. After this, you can apply for a Global Health Insurance Card (GHIC). Despite the name, the new card will be valid across the EU only. The main change seems to be that neither card will work in the non-EU countries of Norway, Lichtenstein, Iceland and Switzerland1.

The cards mean you can access the same medical treatment as the residents of that country do, in a state-run hospital or clinic. If you’re an EU national living in the UK, you’ll still be able to access the National Health Service (NHS). Both scenarios are good news for expats, but it is important to understand that these are not substitutes for either travel insurance or private health insurance. Travel insurance often covers things like lost luggage and cancellations, not covered by an EHIC or GHIC. Private health insurance would usually give you access to a wider range of medical treatments, at private hospitals and clinics.  

Our international health insurance is different to travel insurance, but if you’d like to take care of both, we can help you do this. With just one annual policy per person, you can have cover for your healthcare, as well as things like lost luggage and cancellations, for when you travel. You can do this by selecting to include our International Travel Plan in your health plan, so you don’t double up on payments for any medical cover. We don’t offer travel cover on its own. 

With our international health insurance plans, you or your employees can have reliable, comprehensive healthcare cover wherever you travel in the world (you’ll just need to choose whether to include cover in the USA or not). All our plans include cover for things like emergency treatment, scans, surgical procedures and cancer treatments. So, you’ll have the peace of mind when you move, or when you send employees on assignments between the EU and the UK.

The UK’s exit from the European Union has led to some changes in how business is done between the UK and the EU. You can rest assured that we’re all set up to cover our members across the UK, EU and rest of the world, and this has not been changed by the agreed Brexit deal.

Back in 2019, we opened a new office in the Republic of Ireland, so if you’re based in the EU, we offer our global health plans from there. If you’re based in the UK or elsewhere, we offer our global health plans from the UK, too. We can do this by having different insurers for our plans, including AXA Insurance dac and AXA PPP healthcare Limited. So don’t worry, we’ve got it all taken care of.

We’ve successfully been supporting customers from our Irish office for over a year already, so you can rely on us to be there for you whenever you need us.

It’s a good idea to check the specific requirements of the country you’re staying in, ideally before you get there, to make sure you’re as prepared as possible. You can find out more details about different countries across the EU and their requirements here.

If you have any other questions about taking out an international health plan after Brexit, please contact us on +44 (0)1892 596418*.

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International Health Plan

Need cover for you and your family?

We can help you to get fast access to expert medical care, whenever and wherever you need it – from a routine check-up to a lengthy hospital stay. So whichever dream you’re following, whatever happens on the way, you can rely on us to be there for you.


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We make it easy for you to get international health insurance to suit your company’s needs. Just tell us how many people you need to cover and we’ll work with you to create a respected package that can help you support and retain your best talent, wherever they go for your business.