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Expat health insurance

For cover, call us on +44(0) 1892 612 061*

If you're an expat living or working overseas for a long term, 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.1

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.

What's included in our Expat Health Insurance?

Here are some benefits you’ll receive on all our plans at no extra cost:

  • Mind Health Service: Your mental health doesn’t wait for the right time or place, so neither should your support. With the Mind Health service, you can get the help you need from anywhere in the world.6
  • Second Medical opinion Service: Health decisions can feel overwhelming, but you don’t have to navigate them alone. An extra pair of expert eyes can make sure that nothing is overlooked.3
  • We'll pay you back quickly: No waiting times: Over 80% of eligible claims are settled within 48 hours, as long as we have the information we need.4
  • Virtual Doctor service: Virtual Doctor makes it easy to fit healthcare into your busy life. No need to take time off or sit in waiting rooms. The care you need is at your fingertips.2 
  • 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 2 million 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 plan.8

      This offer is valid for three months after you leave your company scheme. After this three 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 using our contact information above.

      Virtual Doctor Service

      Virtual Doctor Service

      Virtual Doctor service gets you access to over 2,000 qualified doctors across the globe. With consultations available in multiple languages, wherever you are you'll have the reassurance you need.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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      1AXA is the #2 insurance brand, according to Interbrand's 2024 Best Global Brands report.

      2The 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.

      3The 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.

      481.9% of eligible claims submitted online between Jan 24 - Dec 24, were paid within two days.

      5Based on treatment providers in the AXA Select network worldwide, as of February 2025.

      6The 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.

      7Due 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.