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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's 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 opinion3.
  • No waiting times: Over 80% of eligible claims are settled within 48 hours, as long as we have the information we need4.
  • 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 in an emergency, 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 worldwide5 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:

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 plan7.

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 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*.

Virtual Doctor service

Virtual Doctor Service from AXA. See a real doctor, from anywhere in the world.

With the Virtual Doctor service, you can have a medical consultation with a real doctor wherever you are in the world – from the comfort of your home, hotel or office. Better still, there are doctors on call and available 24/7.2

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. AXA is the #2 insurance brand, according to Interbrand's 2023 Best Global Brands report.

2. The Virtual Doctor service is part of our Virtual Care from AXA service and is provided by Teladoc Health.. 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. 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.

3. Our Second Medical Opinion service is here for you anytime you’re unsure over a diagnosis or recommended course of treatment. It’s part of our Virtual Care offering, along with the Virtual Doctor and Mind Health services, so you might have already seen it on your plan or on the Virtual Care from AXA <app> or <portal>. Provided in partnership with Teladoc Health, the service unlocks access to a network of over 50,000 world-leading specialists and connects you to a doctor who will review your case alongside an expert. They’ll work with you to help you understand your diagnosis, make sure you know your options and support you throughout any treatment, wherever you are in the world.

4. 80.6% of eligible claims submitted online between July 2022and June 2023, were paid within two days.

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

6. Mind Health psychologist appointments are available in English and Spanish between Monday and Friday, 09.00 - 17.30 (UK time). If you are calling from the UAE, appointments are available between Saturday to Thursday, 09.00 – 20.00, and Friday 09.00 – 16.00 (UAE time). The service, provided in partnership with Teladoc Health, provides access to six sessions with a psychologist, per mind health concern, per policy year. The Mind Health service is part of our Virtual Care from AXA service.

7. Due 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