Your people are the foundation of your business so looking after their health and that of their families is a key priority.
Whether you’re a family-run business looking to grow or a company protecting the wellbeing of your employees, Islands Health Adapt will evolve with you.
Islands Health Adapt is our modular health insurance product that flexes to meet the evolving needs of your business and employees. Choose from a range of optional modules to build a plan that takes care of your people every step of the way.
You can choose to pay in monthly, quarterly or annual payments. If you decide to pay annually, we'll offer you a 5% discount. Helping you provide your employees with the care they need, while keeping costs in check.
With Islands Health Adapt, your employees will have access to the care and support they need to keep themselves and your business thriving.
If your employees need to speak to a doctor, get a second opinion, or find support navigating life's challenges, our Virtual Care services provided by Teladoc Health will be at their fingertips.
Your team will have access to our extensive medical network. We’ll be able to arrange payment with these providers directly, meaning less paperwork to complete and fewer out-of-pocket expenses.
With access to online solutions, your employees can manage their policy in a way that suits them.
If you select the Outpatient Module, your team will have access to the healthcare payment card to make smaller payments simple.
No matter what modules you choose, your employees will have our Core Module.
It has no overall limit, but some treatment may have a separate limit.
Treatment covered under this module includes:
You have a choice between three 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.
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 GP Module, per person, per year.
The GP Fees Module provides your employees with primary care services provided by a general practitioner.
*The paid in full GP Fees Module limit can only be chosen if the £2,500 or paid in full Outpatient Module limits have been included.
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 Drugs and Dressings Module, per person, per year.
The Drugs and Dressings Module covers outpatient drugs and dressings that have been prescribed by a medical practitioner or nurse.
Requires the Outpatient Module to be selected
You have a choice between two limits. The limit you select is the maximum amount we’ll pay for treatment covered under the Dental Care Module, per person, per year.
The Dental Care Module covers your employees for non-routine dental treatment for example, replacing crowns.
Requires the Outpatient Module to be selected
You have a choice between two limits. The limit you select is the maximum amount we’ll pay for treatment covered under the Optical Module, per person, per year.
The Optical Module covers your employee for one eye test a year (up to £60), prescription glasses and contact lenses.
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 health checks and routine screening. Examples of what may be included in a health check include resting blood pressure, cholesterol tests, hearing tests and certain cancer screening tests.
*The £500 Health Check Module limit can only be selected if the £2,500 or paid in full Outpatient Module limits have been chosen.
** The £1,000 Health Check Module limit can only be selected if the paid in full Outpatient Module limit has been chosen.
When people feel supported, they're able to do their best work. That's why we offer benefits that help your team access the care and support they need, when they need it.
Every brain works differently, and it's important your support reflects that. Having the right cover for neurodiversity makes a real difference to your employees' wellbeing and confidence while helping you build a more inclusive workplace.
Our Outpatient Module gives your team access to specialists assessments, diagnostic consultations and outpatient care. If they need prescribed treatment, our Drugs and Dressings Module provides an extra layer of support.
Menopause affects everyone differently and it can have a real impact on health and wellbeing at work. With the right support, your employees can access the care they need so they feel supported, valued and able to navigate these transitions effectively.
With our Outpatient Module, your employees can access the consultations and diagnostic tests they need while they explore their treatment options. If they're recommended a prescribed treatment like Hormone Replacement Therapy (HRT), they'll be covered under our Drugs and Dressings Module.
Cover for pre-existing symptoms may vary depending on the underwriting you choose for your employees.
With the Global Health Adapt Outpatient Module, your employees will benefit from our award-winning healthcare payment card.1 The healthcare payment card is the answer to hassle-free costs and claims. Without pre-loading or pre-authorising, your employees can pay for outpatient treatments and prescriptions at any healthcare provider that accepts Visa.2
All they need to do once they've paid is upload a photo of their invoice to the AXA Global Healthcare Card app3 within 48 hours, and we'll take care of the rest.
Choosing Global Health Adapt will give your employees access to the AXA Global Healthcare online account. Available through an app and web browser, the online account combines policy management with personalised wellness features and medical support from our Virtual Care services.5
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 be supported by our Virtual Care services, provided by Teladoc Health.
Wherever work takes them, your employees will have Virtual Doctor by their side. Whether they're working in Spain or Singapore, they'll have a qualified doctor at their fingertips.5
No matter how big or 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.6
Your employees can take control of their health with a second medical opinion. Global experts will provide them with the insights they need, so they can make informed decisions about their treatment options.7
Our summary of benefits and sales brochure will give you more information about the flexible benefits you’ll get with Islands Health Adapt.
1 AXA Global Healthcare were the winners of the 'Best of Business' award at The Card and Payments Awards on 6 February 2025, alongside Visa, Paysure Ltd and Nium, for the healthcare payment card.
2 The healthcare payment card is issued to AXA by Nium Fintech Limited, a company registered in England with company number 09039850, authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (FCA Firm Reference Number: 901024). (“Nium”, pursuant to a license by Visa Europe.)
3 The AXA Global Healthcare Card app is provided by Paysure Ltd.
4 The wellness section is not intended to be used for any medical purpose, including the diagnosis and management of new and existing diseases and medical conditions.
5 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.
6 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.
7 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.