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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 service2.
  • Quick payouts – Over 80% of eligible claims3 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 experts4. 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, during an emergency, 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 phone2, from anywhere in the world - day or night. 

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4. Mind Health service

A dedicated platform for Mind 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 claims3 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 per person. 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 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*.

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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 service2 so you can speak to a real doctor, online or over the phone, 24/7. For support from a psychologist, you can self-refer over to the Mind Health service1. 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 in an emergency.

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, from anywhere in the world.

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. 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.

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

4. 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. 

*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.

The Virtual Care from AXA service is now available to all Individual and SME members (excluding those whose health plan is insured by AXA General Insurance Hong Kong Limited).