Your people are the foundation of your business, so it’s important to look after their health. We've been supporting and protecting our global members for over 60 years,1 so you can rest assured that your employees will be taken care of, wherever they are in the world.
International health insurance provides your employees with access to medical treatment across the world. Whether your workforce is made up of expats or locals travelling for work assignments, international health insurance unlocks multiple benefits for your people and your business.
57% of people say health insurance is a key driver when choosing a job.2
Offering international health insurance also gives you the opportunity to attract expats and international talent.
A significant number of employees consider health benefits to be important in their decision to stay with an employer.3
Health insurance helps to retain your workforce, especially expats.
The Health Trends 2025 survey by Marsh found health-related issues are dealt with quicker in workplaces offering health benefits.4
The quicker your employees can access the treatment they need, the less time they’ll need off work.
It's important to look after your people, but we understand that cost matters. With Global Health Adapt, you can build a plan that’s right for your business and your employees. You can make sure your workforce is taken care of, while maximising value for money.
Included in all Global Health Adapt plans.
Your employees will have access to our Core Module, no matter what outpatient modules you choose.
You have the choice of two limits. The limit you select is the maximum amount we'll pay for treatment covered under the Core Module, per person, per year.
£2,000,000 / €2,500,000 / $3,200,000
or
£5,000,000 / €6,250,000 / $8,000,000
Treatment covered under this module includes:
You have a choice of four limits. The limit you select is the maximum amount we’ll pay for treatment covered under the Outpatient Module, per person, per year.
The Outpatient Module covers your employees for outpatient consultations with medical practitioners, diagnostic tests, outpatient psychiatric treatment, physiotherapy, and Chinese medicine. With this module, your employees will also benefit from our healthcare payment card.
For companies based in Hong Kong who are taking out a plan insured by AXA General Insurance Hong Kong Limited.
You can also choose to add a 20% co-pay to this module. This means we would pay 80% of costs up to the maximum limit you've selected and your employees would pay the remaining 20%.
Offering you a cost-saving solution while still providing care for your workforce.
* Only available to groups who have selected the £2,000,000 / €2,500,000 / $3,200,000 Core Module limit
** Only available if the £5,000,000 / €6,250,000 / $8,000,000 Core Module limit has been selected
Requires the Outpatient Module to be selected
You have a choice of five limits. The limit you select is the maximum amount we’ll pay for treatment covered under the Drugs and Dressings Module, per person, per year.
The Drugs and Dressings Module covers outpatient drugs and dressings which have been prescribed by a medical practitioner or nurse.
*Only available if the £10,000 / €12,500 / $16,000 or paid in full Outpatient Module limits are selected.
Requires the Outpatient Module to be selected
You have a choice between three limits. The limit you select is the maximum amount we’ll pay for treatment covered under the Health Check Module, per person, per year.
The Health Check Module covers your employees for one health check per year. Examples of what could be included in a health check include resting blood pressure, cholesterol tests and certain cancer screening tests.
* Only available if the £5,000,000 / €6,250,000 / $8,000,000 Core Module limit has been selected
Requires the Outpatient Module to be selected
You have a choice of four limits. The limit you select is the maximum amount we’ll pay for treatment covered under the Pregnancy and Childbirth Module, per person, per year.
The Pregnancy and Childbirth Module covers your employees for antenatal consultations, postnatal consultations, screening and monitoring during pregnancy and routine childbirth.
The Pregnancy and Childbirth Module limits you can select depend on the Core and Outpatient Module limits you've chosen. For information about the available limits and requirements, please refer to the table below.
Covering fewer than 10 employees
| Core Module limits | Outpatient Module | Available Pregnancy and Childbirth Module limits |
| £2,000,000 / €2,500,000 / $3,200,000 | ✔ | £5,000 / €6,375 / $8,000 |
| £5,000,000 / €6,250,000 / $8,000,000 | ✔ | £5,000 / €6,375 / $8,000 or £10,000 / €12,500 / $16,000 |
Covering more than 10 employees
| Core Module Limits | Outpatient Module | Available Pregnancy and Childbirth Module limits |
| £2,000,000 / €2,500,000 / $3,200,000 | ✔ £3,500 / €4,375 / $5,600 | £5,000 / €6,375 / $8,000 |
| £2,000,000 / €2,500,000 / $3,200,000 | ✔ £7,500 / €9,375 / $12,000 | £10,000 / €12,500 / $16,000 |
| £5,000,000 / €6,250,000 / $8,000,000 | ✔ | £5,000 / €6,375 / $8,000 or; £10,000 / €12,500 / $16,000 or; £15,000 / €18,750 / $24,000 or; paid in full |
A 10-month waiting period (moratorium) applies to the Pregnancy and Childbirth Module, which means your employee must be continuously covered by the plan for this period before they can make a claim.
Requires the £15,000 / €18,750 / $24,000 or paid in full Pregnancy and Childbirth Module limit.
The limit for this module is £15,000 / €18,750 / $24,000. This is not an annual limit. It applies for as long as your employees, or their dependents, remain a member of a plan arranged by AXA Global Healthcare Group.
Our Assisted Fertility Module provides cover which aims to prevent future miscarriage and covers routine cycles of proven fertility treatment.
This module can only be selected if you’re covering a minimum of ten employees and have chosen the £5,000,000 / €6,250,000 / $8,000,000 Core Module limit.
A 24-month waiting period (moratorium) applies to the Assisted Fertility Module, which means your employee must be continuously covered by the plan for this period before they can make a claim.
Requires the Outpatient module to be selected
You have a choice of three limits. The limit you select is the maximum amount we’ll pay for treatment covered under the Upgraded dental care module, per person, per year:
The Upgraded dental care module covers your employees for routine dental treatment and extended cover for non-routine dental treatment.
*Only available if the £5,000,000 / €6,250,000 / $8,000,000 Core module limit has been selected
Requires the Outpatient Module to be selected
You have a choice of six limits. The limit you select is the maximum amount we'll pay for treatment covered under the Optical Module, per person, per year:
Our Optical Module covers prescription glasses and contact lenses, as well as one eye test per year.
For companies based in Hong Kong who are taking out a plan insured by AXA General Insurance Hong Kong Limited.
The Semi-private Room Module provides your employees with cover for treatment received in a semi-private room rather than a fully private room.
Choosing this module will mean you save money on your premiums.
With the Global Health Adapt Outpatient Module, your employees will benefit from our innovative healthcare payment card.5 This gives them the ability to pay for eligible treatment from their mobile device quickly, and without using their own funds.6
All they need to do once they’ve paid is upload a photo of their invoice to the AXA Global Healthcare Card app and we’ll take care of the rest.
It’s claiming made simple.
Choosing Global Health Adapt will give your employees access to our all-in-one app. Combining policy management with personalised wellness features and medical support from our Virtual Care services.
Whether they're in the comfort of their home or on the go, our services are designed to support them every step of the way.
As part of our Core Module, your team will have access to our Virtual Care services. Supported by a network of over 50,000 specialists,7 our services provide reliable medical help wherever your people are in the world.
Wherever work takes them, your employees will have Virtual Doctor by their side. From working in Spain to Singapore, they'll have a qualified doctor at their fingertips.8
No matter how small, your employees don't have to carry it alone. The Mind Health service connects them with professionals who care. For up to six sessions, they'll be heard and helped by a qualified psychologist.9
Your employees can take control of their health with a second medical opinion. Global experts will provide them with the insights so they can make informed decisions about their treatment options.10
Our summary of benefits and sales brochure can give you more information about the flexible benefits you’ll have with Global Health Adapt.
For businesses based in Hong Kong who are taking out a plan insured by AXA General Insurance Hong Kong Limited. Our summary of benefits and sales brochure will provide more detail about the agile cover available with Global Health Adapt.
Islands Health Adapt gives you the same flexibility you'd expect from our Global Health Adapt plans providing cover for treatment in the UK, Channel Islands and Europe.
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If this information hasn’t answered your questions, can we help you in a different way?
If you like the sound of what AXA has to offer, we can move your plan to us smoothly, no matter how complex your team. Let us call you and we’ll get everything moving.
Browse through our guidance on how health insurance works in different countries.
1 The AXA group of companies have been providing cross-border health insurance plans since 1963
2 Access to health insurance through work increasingly important to employees, ABI, 2023
3 Employers look to expand health benefits while managing medical costs, Mckinsey, 2022
4 Health Trends 2025 - Global insurer survey report, March, 2024
5 The AXA Global Healthcare Card app is provided by Paysure. The healthcare payment card from AXA is issued by Nium Fintech Limited pursuant to a licence by Visa Europe. Nium Fintech Limited is a company registered in England with company number 09039850, authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 901024).
6 The healthcare payment card must only be used to pay for genuine claims for treatment that’s been received, and which are eligible within the terms and conditions of the policy.
7 Statistic provided by Teladoc Health
8 The Virtual Doctor service is provided by Teladoc Health and is part of the Virtual Care from AXA offering. Telephone appointments can be booked 24/7, 365. Callbacks are typically within 24 hours. Operating hours vary according to region. For availability in your local market and further information on the Virtual Doctor service, please click here.
9 The Mind Health service is provided by Teladoc Health and is part of the Virtual Care from AXA offering. The service provides up to six sessions with a psychologist per non-emergency mind health concern, per year. For further information about the Mind Health service, including consultation availability, please click here.
10 The Second Medical Opinion service is provided by Teladoc Health and is part of the Virtual Care from AXA offering. For further information about the Second Medical Opinion service, please click here.
