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International health insurance: designed for life

Wherever life takes you, we’ll be there

Everyone needs a little certainty sometimes 

International health insurance is designed to give you peace of mind whether you’re living in another country or travel overseas often. We offer cover for both emergency and routine healthcare giving you the security you need wherever life takes you. Gain flexibility in your choice of doctor or treatment facilities and the ability to receive treatment anywhere within your region of cover.

If you choose international insurance with AXA - Global Healthcare, you can be sure of:

  • Medical cover that’s designed for life, from mental health support¹ to emergency surgery
  • International specialist and expert care when and where you need it with our Virtual Doctor service¹.
  • Quick payouts – Over 80% of eligible claims2 are paid within 48 hours, as long as we have all the information we need.

The AXA difference

Six reasons why it pays to choose us:

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1. Second Medical Opinion service

When you just aren’t quite sure, you can have an independent second medical opinion from world-leading experts2. Included in all our plans. 

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2. Evacuation and repatriation as standard

If you can’t get the help you need locally, our team will arrange evacuation and repatriation for you. 

3. Virtual Doctor service

You can speak to a real doctor by video consultation or by phone3, from anywhere in the world - day or night. 

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4. Mind Health Service

A dedicated platform for mental health support. Connect with fully qualified psychologists from anywhere in the world.

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5. Experienced personal support 24/7

As a member, our caring multilingual team will always remember you're a person, not a case number. 

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6. We aim to pay you back quickly

Over 80% of eligible claims4 are paid within 48 hours, as long as we have all the information, we need.

Tailor your cover

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Step 1 - Add an optional upgrade
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Step 2 - Add an excess

Choose to lower your premiums by adding an excess. When you claim you’ll pay up to a pre-agreed amount, and in return your annual premiums will be lower.

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Step 3 - Choose how often you’d like to pay

You can pay your premium monthly, quarterly or annually. Paying annually will save you 5% on your total cost.

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Step 4 - Choose whether to include the USA

Treatment in the USA is often more expensive than the rest of the world which impacts your price of premium.

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Step 5 - We’ll call you to complete your cover

Our teams will be in touch to answer any questions and set up cover over the phone. Alternatively, you can call us on - +44 (0)1892 596 418*.

What's included

Here’s a summary of the benefits included in each of the five cover levels. For more plan information, just give us a call.

What's not included

As with most health insurance, there are some exclusions and limits, no matter which cover level you choose:

  • Our plans are designed to cover the treatment of medical conditions that start after you join. That means the plans don’t cover pre‐existing conditions.
  • The plans only cover for charges for treatment that the hospital or medical practitioner would usually and customarily charge in the country where you have the treatment. 

Our international health insurance plans also don't cover:

  • Treatment outside your area of cover or against medical advice.
  • Treatment for injuries as a result of sports that you receive money for taking part in.
  • Costs for arranging treatment, such as phone calls and travel.
  • Treatment designed to prevent illness rather than treat it.

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Frequently Asked Questions

An international health insurance plan gives you access to private healthcare services across the globe. With AXA, you can choose from a range of cover levels and personalisation options to find the right plan for you. Most of our plans offer cover on a yearly basis, or for 3-11 months with our Short Term plan.

With AXA’s global health plans, you can access private healthcare providers wherever you travel. This means you don’t have to rely on public healthcare systems, which can be tricky to access when you’re abroad. 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 - monthly, quarterly or annually. 

To find the right cover for you, start with getting a quote online. We ask a few basic things like who to cover, where you’re based, and some examples of things you’d like cover for. Then, our teams will be in touch to answer any questions and set up cover over the phone.

A travel insurance policy is something different, which usually offers short term cover for medical emergencies, and non-medical benefits like cover for lost luggage or cancellations.

With AXA’s global health plans, you’ll have access to our Virtual Doctor service1 so you can speak to a real doctor, online or over the phone, 24/7. For support from a psychologist, they can refer you over to the Mind Health service2. You’ll be covered for overnight stays in hospital and ambulance transport, CT, MRI and PET scans, as well as surgical procedures, and treatments for cancer. And just in case, medical evacuation and repatriation, if you can’t get the treatment you need locally.  

If you take out a global health plan with AXA, you can choose to be covered anywhere in the world. This means 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.

We offer this option because treatment in the USA is often more expensive than elsewhere in the world.

If you choose to exclude the USA, you’ll still be covered for emergency treatment there, with all cover levels except Foundation.

Annual Cover

Long-term cover

There’s a lot to consider when moving to another country, but with our annual healthcare plan, you’ll have one less thing to worry about. We’ll help you settle into your new life with the peace of mind that comes from knowing you’ve always got somewhere to turn for help.

Virtual doctor service

Virtual Doctor service from AXA. See a real doctor, virtually anywhere

Whether you’re feeling unwell, have a general worry you’d like to talk about, or just need clarity on something like vaccination requirements our Virtual Doctor service is here for you. You can have a medical consultation with a real doctor wherever you are in the world.

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Thinking of moving insurer?

Like what you see? If you already have international health insurance and would like to move to AXA, our dedicated switch team can transfer your cover quickly, smoothly and without fuss.

Get in touch today by calling us on 
+44 (0)1892 596418*.

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Leaving a company scheme?

If you’re moving on and leaving your company healthcare scheme, we can continue your international health insurance as a personal customer without a break. That often means you can continue to have cover for existing medical conditions that were covered on your company scheme, which a new insurer might exclude.

Talk to us about your options by calling us on +44 (0)1892 707984*.

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Looking for cover for your business?

We make it easy for you to get international health insurance to suit your company’s needs – just tell us how many people you need to cover and we’ll work with you to create a respected package that can help you support and retain your best talent, wherever they go for your business.

1. AXA is the #4 insurance brand, according to Interbrand’s 2022 Best Global Brands report

2. Figures provided by Teladoc Health, 2021.

3. 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, 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.  

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

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

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

Calls may recorded and/or monitored for quality assurance, training and as a record of the conversation.

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