health care practitioners

Hospitalisation & inpatient insurance

What is inpatient care?

Inpatient care includes any treatment where you need to stay in a hospital bed for one night or more. This is usually for more serious conditions or injuries – if you needed surgery, for example. If you don’t need to stay overnight, but still need to stay in a hospital bed for your treatment, you’ll be considered as a ‘day-patient’.

Smiling lady outside

How it works

For inpatient care, you need to be admitted by a doctor, who confirms that you need to stay overnight for your treatment. The time this takes depends on the severity of your condition or injury, as well as the hospital you’re in.

Examples of when you might need inpatient care or hospitalisation:

  • Complex surgeries
  • Serious illnesses or medical issues that require monitoring
  • Having a baby

If you need treatment but don’t need to stay overnight, it’s referred to as outpatient care.

man with leg in cast

What it can cost

Inpatient care can be costly if you’re not insured, as there are a lot of different parts of the care which add to the expenses. For example your hospital bed, your meals, hospital staff, the treatment itself, and any initial health checks, blood tests or similar. Depending on where you are, just a hospital bed for the night can cost anything from £135 in Belgium, to £320 in Nigeria*.

Doctor smiling

Know you’re covered

With AXA’s global health plans, all cover levels include inpatient and day-patient treatment charges (from hospitals, consultants, physicians, surgeons and anaesthetists) – up to your overall policy limit. 

You’ll also be covered for psychiatric treatment, overnight accommodation for a parent and, in case of a medical emergency, ambulance transport to or between hospitals. 

Family on walk

Other benefits

You’ll have access to these benefits, whichever cover level you choose: 

Speak to a real doctor by video or by phone, day or night, with our Virtual Doctor service1. If it's mental health support you need, you can refer yourself over to the Mind Health service2.

An independent second medical opinion3.

Get the care you need during an emergency, even if that means being evacuated from your medical facility to one in another country with our evacuation and repatriation service

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International Health Plan

Need cover for you and your family?

We can help you get fast access to expert medical care, whenever you need it and wherever you travel. If you’d like outpatient cover included in your plan, just make sure you select the ‘outpatient’ box, in Step 2 of getting a quote online. You’ll then be able to download a summary of benefits, for the detail on exactly what’s covered in your selected plan.


Looking for cover for your business?

We make it easy for you to get international health insurance to suit your company’s needs. If you’d like to include outpatient medical cover, just let us know, along with how many people you need to cover. We’ll work with you to find the right plan for your business, so you can support and retain your best talent. 

*Figures sourced from the AXA Select provider network 2022.

1. The Virtual Doctor service is part of our Virtual Care from AXA 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. 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

2. The Mind Health service connects you with a fully qualified psychologist who will provide the support you need from wherever you are in the world. Whether that’s one call or a course of up to six sessions. Together we can take on life’s challenges. Appointments are available between Monday and Friday, 09.00 - 17.30 (UK time). If you are calling from the UAE, appointments are available Saturday to Thursday 9am – 8pm and on Friday from 9am – 4pm UAE time. 

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.