Are you looking for travel insurance? View our 
travel cover page
 for more details.
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Personal

International health insurance: designed for life

Wherever life takes you, we'll be there

Everyone needs a little certainty sometimes

We can find you an international health insurance plan for wherever life takes you. We’ve got you covered. 

  • Moving abroad for the first time? We can help you find your way round the local healthcare system.
  • A seasoned business traveller? We can help you get the right care no matter which time zone you happen to be in.
  • Looking to boost the healthcare you can access locally? Whether you’re an expat or have lived there your whole life, you can get access to international specialists and expert care when you need it.
  • Unsure about the cost of healthcare abroad? International health insurance takes the guesswork out of healthcare costs with a predictable monthly bill.

International medical 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. For more detail on what’s covered, read on.

With any of our cover levels, you’ll 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. 

 This is different to a travel insurance policy, which usually offers short term cover for medical emergencies, and non-medical benefits like cover for lost luggage or cancellations. If you need both, we can do that too – you can find out more on our travel health insurance page.

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 reasonably 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.
Tailor your cover

There are multiple ways to personalise your cover to suit your needs. You can select these upgrades when getting a quote, depending on the level of cover you choose.

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Add an optional upgrade

If your plan doesn’t include these benefits already, you can choose to upgrade your cover with:

  • Out-patient treatment - which includes consultations with a doctor, diagnostic tests, physiotherapy, vaccinations, drugs and more. 
  • Dental care – more cover for routine dental care.
  • Cover for when you’re travelling – for things like lost luggage and cancellations. So you can take care of both your travel and health insurance with one policy.
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Add an excess

You can choose to lower your premiums by adding an excess. This means that when you claim, you’ll agree to pay up to a set amount, and in return you’ll pay lower premiums.

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Choose how often you’d like to pay

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

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Choose whether to include the USA

Include or exclude the USA – it’s that simple. 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.

Get a quote today

Give us a call on +44 (0)1892 596418*.

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Getting a quote: find the right cover for you

Just follow these five easy steps:

STEP 1: Let us know who to cover: you, your partner or your family
STEP 2: Choose any extras to include in your cover
STEP 3: Choose the level of cover that suits you
STEP 4: Tailor your cover: you can add an excess, choose how often you’d like to pay, and whether to include cover in the USA or not
STEP 5: To set up your cover, you’ll just need to give us a call on +44 (0)1892 596418*. We’ll have your quote saved and will help set up your policy securely.

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. If you need both travel and health insurance, AXA can help – find out more on our travel health insurance page.

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.

Short term cover

Need cover for 3 to 11 months?

If you’re living or working internationally for less than a year, take a look at our short term health insurance plan. It gives you all the benefits of our Standard cover level, but for a shorter time. So whether you’re only away for a few months, still weighing up your options or you want cover while you apply for your local state healthcare system, our short term plan could be ideal.


Virtual doctor service

Online doctor consultation and prescription service

Need to talk to a doctor but don’t speak the local language? Or just struggling to find time for that appointment in your busy schedule? When you live or work abroad, accessing healthcare isn’t always easy.  But with our new online doctor service, now available as part of our international health plans, you can speak to an experienced, internationally qualified doctor - at a time and place that suits you.

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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. Service provided by Advance Medical. 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. 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 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. Service provided by Advance Medical. This service provides you with access to 6 sessions with a psychologist, per mind health concern, per policy year.

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

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