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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 long time, 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 insurers1.

The cost of healthcare abroad can be very expensive, especially in European and Western countries. With AXA expat health insurance, there's no need to avoid visiting an emergency room or outpatient clinic** because the cost will be 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.
  • Second Medical opinion: Unsure about a diagnosis or treatment plan? Get an independent second opinion.
  • No waiting times: Over 80% of eligible claims are settled within 48 hours, as long as we have the information we need3.
  • Virtual Doctor service: With the Virtual Doctor service from AXA, you can book a medical consultation with a real doctor on the phone or by video chat - at a time that suits you2, from anywhere in the world. 
  • 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 right 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 1.9million recognised medical facilities available worldwide4 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 – Support for your mental health whenever, wherever you need it. 

  • 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 Medical 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 plan6.

This offer is valid for 120 days after you leave your company scheme. After this 120 day 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 scheme 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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1AXA is the #4 insurance brand, according to Interbrand’s 2022 Best Global Brands report

²The Virtual Doctor service: 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, Mandarin and Spanish 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. 

380.6% of eligible claims submitted online between July 2022and June 2023, were paid within two days.

4Based on treatment providers in the AXA Select network worldwide, as of May 2023.

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

The Virtual Doctor, Mind Health and Second Medical Opinion services are provided by Teledoc Health