Getting ready for the UK’s exit from the European Union

The international health insurance policies we sell from our UK office (AXA Global Healthcare (UK) Limited) in Europe are underwritten by UK insurer, AXA PPP healthcare Limited.

With details of the UK’s exit from the European Union (EU) still being negotiated, it’s not clear if EU residents* will be able to get their health insurance from UK insurers in the future.

Don’t worry – we’re taking action to make sure your policy will continue to cover you. If we need to, with your permission, we’ll transfer your policy to another insurer in Europe. We will be in touch with you nearer the time about what to expect.

The information on this page only applies to EU residents* on the International Health plan or European Health Cover. If you’re not an EU resident, including if you’re a UK resident, nothing will change.

*By EU residents we mean residents in all European Economic Areas (EEA) countries including: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lichtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden.

About my international health insurance cover

I already have an international health insurance policy underwritten by AXA PPP healthcare Limited. Is my cover going to change? 
Don’t worry - if as a result of Brexit, it is necessary to transfer the underwriting of your international health policy to another insurer within the AXA Group, we don’t anticipate there will be any changes to your policy benefits. There won't be any changes to who you contact should you wish to make a claim.

Could this change impact any of my legal rights with regards to my policy? 
With details of the UK’s exit from the European Union still being negotiated, we cannot say with any certainty if there will be any impact. However, as this becomes clearer, we will of course update any impacted customers.

Will any of my international health insurance policy benefits change
Don’t worry - we don't anticipate there will be any changes to the benefits on your international health policy if we transfer the underwriting of your policy to another AXA EU insurer.

Will the currency I use to pay for my premium, or make a claim, change?
No - you can continue to pay for your policy and submit claims for reimbursement, using the same currencies as were available before.

Who will I be insured by? 
If as a result of Brexit we need to transfer the underwriter of your international health policy it will be to another insurer within the AXA Group. We will write to you to let you know if your policy is impacted and which AXA insurer we intend to use to underwrite your policy. We don’t anticipate there will be any changes to your benefits. There won't be any changes to who you contact should you wish to make a claim.

Will my cover end on the date the UK leaves the European Union? 
No. We're making arrangements to make sure your international health cover will continue. We will let you know if it is necessary for us to transfer your policy to another underwriter in the AXA Group.

Making claims

Will any claims on my AXA PPP healthcare Limited underwritten policy still be honoured after Brexit? 
Yes. There will be no impact on any ongoing claims, or any claims you wish to make on your international health plan as a result of Brexit. All that will change is the AXA insurer who underwrites your policy.

Will there be any changes to who I call if I need to talk about my policy or want to make a claims? 
No. We don't anticipate any changes the teams you speak with or the telephone numbers you use.

Will claims still be paid in the same currency? 
Yes, we won’t be making any changes to the way we pay claims on our international health policies.

I've renewed my policy, will anything change before my next renewal?

How will I know if my policy is impacted? 
If as a result of Brexit we need to transfer the underwriter of your international health policy to another insurer within the AXA Group, we will write to you to let you know which AXA insurer we intend to use to underwrite your policy.

If as a result of Brexit you need to transfer my international health policy to another AXA insurer, when will this change take place? 
We will let you know if it is necessary to transfer your policy, before doing anything, and will confirm when the transfer will take place.

When will I know if my policy will be transferred to another AXA insurer? 
We continue to monitor Brexit developments and if we need to transfer the underwriter of your international health policy to another insurer within the AXA Group, we will write to let you know in advance along with details of which AXA insurer we intend to transfer your policy to.

Is there anything that I need to do? 
No, we have it all in hand so you can continue to use your international health policy as you usually would.

Will I have the option to cancel my policy if it is transferred to another insurer? 
If, as a result of Brexit, we need to transfer the underwriter of your international health policy to another insurer, within the AXA Group, we don’t anticipate there being any changes to your benefits or how you claim, and you will have the option to cancel your plan. We will write to you to let you know what your options are and will be happy to discuss these with you, at the time.

Who can I contact to discuss this with? 
If you have any further questions on how we’re planning to make sure your international health insurance plan will continue to cover you when Brexit takes place, which aren’t answered here, please call us on +44 (0) 1892 556 274*.

Will the transfer of the underwriter of my international health insurance policy definitely happen? 
Details of the UK’s exit from the European Union are still being negotiated and therefore it’s not clear if EU residents will be able to get their health insurance from UK insurers in the future or not. Our customers are our first priority, which is why we are making plans to leverage the wider capabilities of the global AXA Group, in case it becomes necessary to transfer your policy following Brexit.

* Lines are open 24 hours a day, seven days a week. We may record and/or monitor calls for quality assurance, training and as a record of our conversation.

Do I live in a country that will be impacted?

Which countries will this impact? 
The countries impacted are; Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden.

I live outside of the European Union will this impact me? 
No, if you do not reside in a country within the European Union, your international health insurance policy will continue to be underwritten by AXA PPP healthcare Limited.

If I regularly travel to countries within the European Union will my cover be impacted? 
No, if you do not reside in a country within the European Union your international health insurance policy will not be impacted, even if you travel within the European Union regularly.

Last published on 26th November 2018