Business lady looking at device with city backdrop


International health insurance tailored to your business

Expertly designed for 75-149 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. 

World icon
A benefit to attract 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. 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 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 continues to meet your 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

Business people looking at report

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 styles of underwriting are available
  •   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.
Lady in a call centre

Dedicated support from an experienced client director

Your dedicated client director will set up your plan, answer your questions and explain all your options – so you can be sure you’re choosing the most suitable levels of cover.

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.

Smiling lady looking at desktop computer

Manage your plan online

Your online account is available at any time and gives you easy access to manage your company's healthcare plan. You'll be able to access a full list of employees on your plan as well as amending their details, lapsing them, and adding new employees.

Business man on boat

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.


Doctors walking down hospital corridor

Easy-to-access care around the globe

With trusted AXA Select healthcare providers in 177 countries,1 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 log in to their secure online account to keep their details up to date, submit and track their claims and check their policy information any time.  

Plans to meet local requirements

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.

Our in-country resources help to introduce plans for employees based in places such as the Gulf, Saudi Arabia, Australia or the Netherlands.


What’s included across all levels of cover

  • Hospital charges as an inpatient or as a daypatient.
  • Surgery
  • Virtual Care from AXA– including Virtual Doctor and Second Medical Opinion services2
  • Emergency inpatient 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 treatments as part of an ethically approved drug trial.
  • Emergency evacuation and repatriation – to get your people to the care they need and home again.
  • 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 - accidental damage to teeth and non-routine treatment (routine checkups not included).
  • Medical conditions that start during pregnancy.


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 usual 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.

With our tailored plan, you can choose extra options to help control your costs.

We have several different ways to cover existing conditions. You can choose different options (underwriting styles) for different employee groups.

If your claims are less than 75% of your premium (minus tax and commission) in your first year, we’ll keep your rates the same for your first renewal. We include this guarantee on all new plans.

You can add different excess options to your employees’ plans to help control costs.

You can increase or decrease treatment allowances for specific groups of employees – allowing you to boost cover for employees who need extra, while keeping an eye on costs. 

You can choose to add-on our Mind Health service2, which connects your employees with a fully qualified psychologist who will provide them the support they need from wherever they are in the world. Whether that’s one phone call or a course of up to six talking sessions.

With our profit share option, we’ll pay you back if your employees' claims add up to less than 75% of your premium (minus tax and commission) over the first two years. We’ll pay back 50% of the difference between your total claims and 75% of your premium. We offer profit share on all our new plans.

We offer stop loss cover on all new plans. This reduces the impact of high claims on your renewal premium. We’ll continue to cover your employees no matter how much they claim up to the benefit limits, but when we calculate your renewal premium, we’ll ignore any part of their claim over £35,000 / €44,500 / $56,000. We’ll simply absorb the extra costs ourselves.

Our customers say...

Average rating:
Based on
5 star ratings
4 star ratings
3 star ratings
2 star ratings
1 star ratings

Our customers’ reviews, independently moderated and managed by feefo. Based on 0 total reviews.


Like the sound of our global health benefits package?

Ask your employee benefits consultant, or contact us directly on +44 (0)1892 596 422. 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 74 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. 

1. The AXA Select medical provider network as at 31.12.2023 covers 177 countries and includes more than 1.9 million facilities where we can settle bills directly. 

2. The Virtual Doctor, Mind Health and Second Medical Opinion services are provided by an independent third-party, Teladoc Health. Available via the Virtual Care from AXA app or portal. Virtual Doctor appointments are subject to availability. You do not need to pay or claim for a consultation but you will be charged for the cost of the initial phone call when using the call back service. You won't be charged if you request a call back using the app or online portal. Telephone appointments are available 24/7/365 and call-backs are typically within 24 hours. Telephone appointments in Greek are available between 09:00 and 21:00 EET, 7 days a week. Video appointments in English, Spanish and Mandarin are available between 08.00 and 00.00 UK time, Monday to Friday. Video appointments in German are available between 08:00 -20:00 CET, Monday to Friday. Mind Health psychologist appointments are available in English and Spanish between Monday and Friday, 09.00 - 17.30 (UK time). Appointments for members calling from the UAE available in Arabic, English and French, appointments are available between Saturday to Thursday, 09.00 – 20.00, and Friday 09.00 – 16.00 (UAE time).