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Expat health insurance

For cover, call us on +44(0) 1892 612061*

If you're an expat living or working overseas for a longtime, we’re here to help you. Get fast access to expert medical care, whenever and wherever you need it – from routine check-ups to lengthy hospital stays.

Rely on us to meet your medical needs. We’re the global healthcare specialists for AXA, one of the world’s leading insurers. 

The cost of healthcare abroad can be very expensive, especially in European and Western countries. With AXA expat health insurance, there will be no need to avoid visiting an emergency room or outpatient clinic** because the cost is already taken care of. 

We're here for you

When looking at expat insurance options, it’s good to know we have you in mind:

  • Experienced personal support: Our team of multilingual experts are available to help 24/7. Whether it’s for checking something on your policy to making a claim, we are here for you.
  • A second opinion: Unsure about a diagnosis or treatment plan? Get an independent second opinion.
  • No waiting times: Over 80% of eligible claims are settled within 48hours, as long as we have the information we need¹.
  • Virtual Doctor service²: Speak to an experienced doctor by video consultation or by phone from anywhere in the world – with referrals through to our mind health service to speak to a psychologist if necessary.
  • Fairly Priced Plans: We work hard to provide a high standard of cover whilst still pricing our plans competitively.
  • Evacuation and repatriation: If you can’t get the treatment you need locally, we’ll organise for you to be taken to where you can, and back again. 
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Expat health insurance to suit you

We offer five levels of cover to help you find the right international private medical insurance, based on your needs and budget.

With any of our cover levels, you can have access to private healthcare anywhere in the world, including access to our AXA Select network of hospitals where we can pay your treatment costs directly for you.

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Choose a plan that works for you

To perform at your best, you need to know you have the best support: that you have medical cover you can count on and advice whenever you need it. With AXA - Global Healthcare you can be confident in the knowledge that with our medical network of over 1.4million recognised medical facilities available worldwide³ the medical support you need will be there the moment you need it. 

Yes, with AXA’s global health plans your cover travels with you, whether you’re moving between two countries or travelling further afield. 

Our plans provide a range of cover from the essentials (Foundation) through to our ultimate cover (Prestige plus). Choose the plan that best suits your situation and personal healthcare needs. Just some of the benefits you can see throughout all our plans include:

  • Virtual doctor service² – Speak to a real doctor, online or over the phone. 

  • Dedicated Cancer support 

  • Mind Health Service⁴ – get referred to a psychologist for support 

  • Option to include dental cover 

  • Evacuation and repatriation as standard – If you can’t get the treatment you need locally 

  • 24/7 Support – Online or over the phone 

  • Second opinion service 

  • Cover for overnight stays in hospital and ambulance transport, CT, MRI, and PET scans, as well as surgical procedures.

With a global health plan from AXA, your cover travels with you, whether you’re moving between two countries or travelling further afield. We’ll also give you the option to exclude the USA from your area of cover, which can lower the cost of your premiums, as treatment is often more expensive there. Even if you exclude it, with most of our plans, you’ll still be covered there in an emergency.

There are many factors influencing the price of your premiums. The most common factors are:

  • Location – Where do you need cover? The price of private healthcare varies between countries and regions. 

  • Age – Unfortunately, the older we are, the more health issues we tend to have. Therefore, as you age your premium will usually rise. 

  • Pre-existing medical conditions – As a rule of thumb we don’t cover pre-existing medical conditions. Plans are designed to cover medical conditions arising after you join.  

  • Added extras –There are options to include dental care, outpatient treatment or pregnancy care on top of your standard plan, which will impact the overall price you pay. 

  • Medical Inflation – Due to ever-developing medical treatments and tests the price of healthcare increases, pushing the price of healthcare insurance up with it.

Payment is available monthly, quarterly and annually. 

If you need to claim, we can often pay the provider directly. So, you can avoid surprise healthcare bills and instead pay a regular, predictable premium.

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Leaving your company scheme?

Don’t forget that if you leave your company, you can continue your global healthcare cover on a personal plan, so there’s no gap in your cover. You’ll qualify for a continuation offer, meaning you can stay covered for your existing medical conditions, subject to the terms and conditions of your new plan5.

This offer is valid for 3 months after you leave your company scheme. After this 3 month period, the option of having continuous cover could be more difficult. Please note, the benefits offered by our individual plans will differ from those available on corporate plans, so you should always check your policy documentation.

Want to know more? Download one of our Company Leaver brochures to find a plan that best suits you:

Call us on +44 (0) 1892 612 080*.

Short term cover

Do you need cover for 3 to 11 months?

Take a look at our short term health insurance plan if you’re looking to work or live abroad for between 3 and 11 months. Gain all the benefits of our Standard cover level, but for a shorter time. 

Annual cover

Working abroad?

We offer 5 levels of cover, from our Foundation plan covering you for all your basic needs to our all-encompassing Prestige Plus plan. Have confidence in the knowledge that all your healthcare needs are taken care of, and we are here to support you day and night. 

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¹ 82.8% of eligible claims submitted online between January 2020 and February 2021 were paid within 2 days.

²The Virtual Doctor Service is provided by Teledoc Health

³AXA Select network providers across the UK, the Channel Islands and Isle of Man, and the rest of Europe. As of October 2021.

⁴The Mind Health Service is provided by Teladoc Health 

5Due to restrictions in some countries, we might not be able to provide you with cover.

* Lines are open Monday to Friday, 8am-5pm (GMT time)

**Outpatient cover available as an optional upgrade on Foundation and Standard cover. For Comprehensive, Prestige and Prestige Plus it is included within the cover