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Health & medical insurance in Jersey

Jersey is part of the British Isles, but is not part of the UK, so the healthcare system is very different there. To start with, there’s no public National Health Service – so prices can be a shock if you’d expected a similar system. When preparing for your move, it’s good to know how AXA’s Islands Health Plan works in Jersey, and what it can be most useful for.

Getting started with international health insurance

With all our cover levels, you can choose to start your cover on the day you arrive in Jersey. This means you’ll have the confidence and reassurance to make the most of your time there, right from day one. On a small island, it can be comforting to know that we can cover treatment in any hospital or clinic – and we can pay the majority of them directly for you.

Seeing a doctor or dentist will cost you in Jersey, so as soon as you need an appointment, even if it’s just a check-up, you can have the costs covered for you. Find out more about the Islands Health Plan today.

Making off-island treatment easier

If you can’t get the treatment you need in Jersey, with the Islands Health Plan we can help you with the costs of travelling to another island or the UK for treatment. For treatment in the UK, our Fast-Track Appointment team will get back to you with an appointment booking by the end of the next working day. On average, this service is twice as fast as if you used the usual private route, through your main doctor first1. You’ll also be covered throughout Europe, and with all but one of our cover levels, you can access worldwide emergency treatment, including in the USA. With any of our plans, you’ll also be covered for evacuation and repatriation, meaning we’ll get to wherever you need treatment, and we’ll get you back home afterwards.

Costs of Jersey healthcare

Whether you’re living in Jersey, or just visiting, without private health insurance, you’ll need to pay for most of your healthcare. Seeing a doctor usually costs about £35 per appointment, even if you need to visit the doctor more than once for the same thing2. Fees can vary between surgeries, including the cost of children’s appointments. You’ll also need to pay to see a dentist or a pharmacist, unless you have private medical insurance that covers this. Emergency treatment is the only form of care that’s free of charge in Jersey, although any aftercare is not.

Would travel insurance give you medical coverage in Jersey?

Alongside the standard travel benefits such as lost luggage and cancellations, travel policies often cover emergency medical treatment. As this is provided free of charge in Jersey, it’s the non-emergency, routine treatment you’ll want to make sure you’re covered for, which is not usually covered on a travel policy. Read on to find out more about what’s covered on the Islands Health Plan.

What you’ll get with the Islands Health Plan

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Fast access to healthcare

You can be confident that you’ll have access to quality healthcare, quickly, including in the UK and mainland Europe. This can make you feel reassured that you’ll have access to the help you need, whenever you need it.

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Extra support if you’re diagnosed with cancer

Our dedicated team is available over the phone for members receiving cancer treatment in the UK. They’ll be able to help guide you through your treatment, including offering advice on chemotherapy, talking you through your treatment plan, or simply just listening to what you have to say.

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An independent second opinion

If you’re ever uncertain about your treatment plan, or just want some reassurance, you’ll have access to our independent second medical opinion service, with a case manager to guide you through the process.

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Access to our virtual doctor service

You can book a phone or video appointment with a qualified doctor, with a range of languages to choose from. Not all doctors offer access to an out of hours service in Jersey, so it’s good to know you can book an appointment with our online doctor service at a time that suits you – day or night. This is available with all of our cover levels on the Islands Health Plan.

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Help with transport costs

If you can’t get the help you need in Jersey, we’ll pay towards the cost of your transport, over to another island or mainland UK.

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Access to over 7,000 medical facilities

With access to our medical network, you can visit any hospital in the Channel Islands and mainland Europe. You’ll also have access to our network of UK hospitals, which you can choose to extend to include a greater selection of hospitals in London.

Speak to us for a quote

Our team can give you more information about our plans and explain what is and isn’t covered.

Give us a call on +44 (0)1892 708395*.

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1Based on AXA PPP healthcare’s 2017 Fast Track Appointments service data, recorded from the date the member called the Personal Advisory team.

2http://www.jerseyhealthwatch.com/doctors/doctors-prices/