Out-patient care includes any medical service where you do not need to stay in a hospital bed. The nature and cost of the care can vary hugely, from a basic prescription to a more costly diagnostic test, or a range of treatments. Out-patient treatment can lead on to in-patient care depending on your diagnosis and the nature of the services you need.
With AXA’s international health insurance, you or your employees will be covered for surgical treatment, in or out of hospital. Other benefits included in AXA’s out-patient cover are consultation charges, physiotherapy, diagnostic tests, vaccinations and more. For our Foundation and Standard cover levels, you’ll have the option to include these benefits with our optional upgrade. With Comprehensive, Prestige or Prestige Plus plans, out-patient cover is already included.
If you need to stay overnight in a hospital bed, it’s classed as in-patient care (included on all our cover levels), and if not, it’s out-patient or day-patient (for the day only). Because of its nature, out-patient treatment can often be less costly than in-patient treatment. The latter can sometimes be needed for more severe conditions that need monitoring more closely than some out-patient treatments, where conditions can vary greatly. Often, the same condition can be treated in different ways, so it can come down to the decision of the medical provider whether the treatment is classed as in-patient or out-patient.
With the Virtual Doctor service, you can have a medical consultation with a real doctor wherever you are in the world – from the comfort of your home, hotel or office. Better still, there are doctors on call and available 24/71. So whether you’re feeling unwell, have a general worry you’d like to talk about, or just need clarity on something like vaccination requirements, simply book an appointment. Just choose a phone call or video chat. And video consultations are available throughout the week, depending on your language of choice. You see, it’s your call when they’re on call.
To find out how out-patient treatment and healthcare systems work in a particular country, take a look at our Wellbeing Hub. You’ll also find useful information on expat lifestyle, emotional wellbeing, pregnancy and more. It’s there to help you look after yourself when settling in to somewhere new.
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We can help you get fast access to expert medical care, whenever you need it and wherever you travel. If you’d like out-patient cover included in your plan, just make sure you select the ‘out-patient’ box, in Step 2 of getting a quote online. You’ll then be able to download a summary of benefits, for the detail on exactly what’s covered in your selected plan.
We make it easy for you to get international health insurance to suit your company’s needs. If you’d like to include out-patient medical cover, just let us know, along with how many people you need to cover. We’ll work with you to find the right plan for your business, so you can support and retain your best talent.
1 The Virtual Doctor service 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. Telephone appointments in Greek are available between 09:00 and 21:00 EET, 7 days a week. 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.