We’re 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.

To make sure our customers in the EU remain covered after Brexit we are now working with a new insurer who can offer  cover in the EU.

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? 
To make sure you can continue your cover with AXA we will be transferring the underwriting of your international health insurance policy to another insurer within the AXA Group. From your renewal date, the new insurer of your plan will be AXA Insurance dac. There won’t be any changes to your policy benefits as a result of the change of insurer and you can still contact the same global team should you need to make a claim.

If you’re transferring my international health policy to another AXA insurer, when will this change take place? 
Although we still do not know which route the UK’s exit from the EU will take, at your first renewal date after 29th March, you’ll be offered cover from AXA Insurance dac. 

There won’t be any changes to your benefits as a result of this and there won't be any changes to who you contact should you wish to make a claim.

Who will send me the terms of my cover?
We have recently opened a new office in the Republic of Ireland so the terms of your cover will now be arranged by AXA Global Healthcare (EU) Limited. You will start to see this and your new insurer, AXA Insurance dac, on the policy documents  sent you. 

Who do I contact if I have questions about the offer I’ve received?
If you have questions about your cover or your premium, just call the number shown on your offer letter and you will be transferred to our colleagues in AXA Global Healthcare (EU) Limited who can discuss your offer with you. 

Will any of my international health insurance policy benefits change?
Don’t worry - there will not be any changes to the benefits on your international health policy as a result of transferring the underwriting of your policy to AXA Insurance dac. AXA – Global Healthcare continuously reviews the plans we offer to make sure they offer our customers comprehensive cover, so you may see some changes to your plan, but these are not as a result of Brexit or your new underwriter.

If I have a new insurer, does this mean my premium will increase?
Every year AXA – Global healthcare’s premiums and  plans are reviewed to make sure they take into account the rate of medical inflation and market trends. So although at your renewal you are likely to see an increase in the premium you pay, it will not be because the insurer who underwrites your plan has changed. 

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 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.

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?
You should have received communications from us between November 2018 and March 2019 asking for your consent to share your data so we can make sure your cover with AXA continues.  Unless you have specifically asked us not to, our colleagues in AXA Global Healthcare (EU) Limited will send your offer to you for your next renewal date. You will see details of AXA Insurance dac and AXA Global Healthcare (EU) Limited on your policy documents. 

If you’re transferring my plan to another insurer, will I still have the opportunity to cancel?
Yes, our colleagues at AXA Global Healthcare (EU) Limited will send you your offer letter before your renewal date and if you have any changes you need to make to your cover or if you wish to cancel, you can call our colleagues and they will be able to help you. Details of your cancellation period are detailed on your offer letter.

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.

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 503 856*.

* 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 21st March 2019