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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 

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 opinion service

When you just aren’t quite sure, you can have an independent second opinion from world-leading experts. 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. 

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3. Virtual doctor service

You can speak to an experienced doctor by video consultation or by phone1, from anywhere in the world - day or night. 

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4. Mental health support

A dedicated platform for mental health support¹. 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 claims² 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 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.

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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. 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.

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.

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. The Virtual Doctor and Mind Health service is provided by Teladoc Health. 

2. 82.8% of eligible claims submitted online between January 2020 and February 2021 were paid within 2 days.

*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.