Business

International health insurance tailored to your business

Expertly designed for 50-149 employees

Icon of jigsaw puzzle
A flexible health insurance plan to match your needs

We can help you create a flexible global health insurance plan, tailored to fit your employees’ needs – and your budget – perfectly. 

World icon
A benefit to tempt talent

International health insurance is a vital reassurance that people want when they’re thinking about taking on a new challenge abroad. Invest in a high quality plan, and it can pay you back by helping you develop and retain your company’s best talent. 

clock icon
Here to help

Our experienced global experts are here to support you and your team – no matter where you or your employees are based. They’ll help you to set up and to manage your plan, and be on hand to support your employees 24/7 if they need any care.

First aid icon
Carefully researched to meet the regulations

We draw on our global knowledge and local expertise to find you a solution that meets the local healthcare rules. We stay on top of the healthcare regulation changes too, ensuring that your plan stays compliant. And if you want to cover employees in different locations with differing regulations, we can bring together the right plans to match your specific needs.

clock icon
Flexible options to suit your budget

When you’re looking after lots of employees on international assignment, you need more than a one-size-fits-all solution. Our international health insurance plans are designed to be flexible but simple, with four levels of cover and plenty of extra options to customise your cover and help keep costs under control.

Choosing the right cover for your business

Tailored to suit you and your employees

Our business health insurance plan is tailored to your team – giving your employees the care and support they need, while helping you control costs for your business. 

Here are some highlights of how your plan works. 

For a full description, have a look at the summary of benefits within our brochure.

Cost controls included as standard

We help make quality cover more affordable by including a range of cost control options as standard.

For example, your plan will include:

  • a guarantee that your premium won’t go up at your first renewal if claims stay under a set level
  •  different ways to cover existing medical conditions (underwriting styles)
  •   a range of excess options to cut your costs
  • treatment allowances that you can increase or decrease to suit different employee groups
  • a profit share – money back if your employees’ claims add up to less than 75% of your premium (minus tax and commission)
  • a cap on high-value claims at £35,000 – so we won’t count any amount over that when we work out your renewal premium.

Dedicated support from an experienced account manager

Your dedicated account manager will set up your plan, answer your questions and explain all your options – so you can be sure you’re choosing the best cover levels for your people. 

They can also keep you updated on how your team is using the plan. You'll receive annual performance information reports, plus a dashboard that shows you what your employees are claiming for at a glance.

Simple online servicing

With full online access to your plan, you’ll be able to update details, add and remove members, adjust cover, or take a closer look at your plan whenever you wish, using our smart online portal.

 

Helping you attract and keep the best people

A high quality international health insurance plan doesn’t just help to keep your people healthy. It’s a vital tool to help your employees feel confident about progressing their career abroad – a valuable reassurance, and another reason to stay with you long-term.

 

Easy-to-access care around the globe

With trusted AXA Select healthcare providers in almost 150 countries, your team will be able to access expert care quickly and without fuss, no matter where they happen to be.

Consistent global service

Same team, same support, same global expertise – wherever they’re calling from. Our expert multilingual team are there 24/7 to help your employees access care quickly or get the best from their membership.

Or if they’d prefer to manage their plan online, they can sign up to their own online site to keep their details up to date, submit and track their claims and check their policy information any time.  

Plans to meet local regulations

We know that keeping up with all the relevant regulations can be a headache – especially when the rules change so frequently. With years of experience and local expertise, we're here to help you find a plan which provides the cover you need in the countries you are interested in so you can find the best solution for your business.

For employees based in place such as Saudi Arabia, Oman, Qatar, Bahrain, Kuwait, UAE, Australia, Switzerland, or the Netherlands, we can arrange a specifically designed plan that gives your employees the local and global benefits they need.

 

What’s included across all levels of cover

  • Hospital charges as an in-patient or as a day‐patient.
  • Surgery.
  • Second opinion service – valuable reassurance if they're just not sure.
  • Emergency evacuation and repatriation – to get your people to the care they need and home again.
  • Emergency in‐patient and day‐patient cover everywhere – even if you’ve chosen cover that doesn’t include the USA.
  • A wide range of cancer treatment, including experimental drugs.
  • Ambulance transport – because this can cost more than you think.
  • Parental accommodation – if your employee’s child needs treatment, parents can stay nearby.
  • Dental care, such as fillings and accidental damage to teeth (routine checkups not included).
  • Medical conditions that start during pregnancy.

 

  Standard Comprehensive Prestige Prestige Plus
Hospital charges and surgery
Emergency cover, evacuation and repatriation
Wide range of cancer treatment
Ambulance transport
Dental care (not checkups)
CT, PET and MRI scans
Out-patient treatment Optional
Flexible benefit

Flexible benefit

Flexible benefit
Out-patient treatment from a Medical practitioner and a complementary practitioner Optional
Flexible benefit

Flexible benefit

Flexible benefit

Flexible benefit
Drugs and dressings
Flexible benefit

Flexible benefit

Flexible benefit
Vaccinations
Chronic conditions
Eye tests and prescription glasses and contact lenses
Flexible benefit

Flexible benefit

Flexible benefit

Flexible benefit
Routine pregnancy cover Optional
Annual health checks
Flexible benefit

Flexible benefit
Routine dental checkups Optional
Flexible benefit
Optional
Flexible benefit
Optional
Flexible benefit

Flexible benefit
Palliative care for any illness
Overall annual plan limit £1,000,000/
€1,275,000/
$1,600,000
£1,500,000/
€1,900,000/
$2,400,000
£2,000,000/
€2,550,000/
$3,200,000
£5,000,000/
€6,375,000/
$8,000,000

As with most health insurance, there are some exclusions and limits, no matter which cover level you choose for your employees:

 

  • Depending on the underwriting you choose, our plans may only cover the treatment of medical conditions that start after your employees join. That means for fully medically underwritten plans, their plan will not cover pre‐existing conditions. 
  • The plans only cover charges for treatment that are reasonable and customary in the country where your employees have the treatment. 

The plans also don’t cover:

  • Planned treatment outside your employees area of cover or against medical advice. 
  • Treatment for injuries as a result of sports that your employees receive money for taking part in. 
  • Costs for arranging treatment, such as phone calls and travel.
  • Treatment designed to prevent illness rather than treat it.

This list is not exhaustive; the full list of what’s not included is detailed in the handbook.

Like the sound of our global health benefits package?

Ask your employee benefits consultant, or contact us directly on +44 (0)1892 596422. Our team will be happy to talk about next steps. Lines are open Monday to Friday, 8am-5pm GMT (UK time).

Calls may be recorded and/or monitored for quality assurance, training and as a record of the conversation.

Looking for something else?

If this information hasn’t answered your questions, can we help you in a different way? 

AXA staff member
Thinking about moving from another insurer?

If you like the sound of what AXA has to offer, we can move your plan to us smoothly, no matter how complex your setup. Let us call you and we'll get everything moving.

Pilot in cockpit
Need cover for a different sized team?

We offer customisable plans for companies covering 1 to 49 employees, or completely bespoke plans for 150+ employees

Two businessmen shaking hands.
Thinking of growing your business abroad?

Take a look at our research on the trends and challenges of developing global talent as an international business.