Individual Health Insurance for Expatriates

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Access the benefits of AXA's global health plans, allowing you peace of mind wherever you are.

We’re working with AXA to bring you international expatriate health plans,
helping you get the right insurance for your lifestyle.

Choose from five levels of cover – from essential benefits with Foundation, to Prestige Plus for our gold standard plan with extensive benefits. You can also choose your cover area to be either worldwide or worldwide excluding USA.

Additional add-ons such as a travel extension can be purchased with these plans.

Below is a simple summary of cover, please see full cover summary and information booklet.

What's covered Prestige Plus Prestige Comprehensive Standard
Overall benefit
Maximum annual amount Up to
€6,375,000
Up to
€2,550,000
Up to
€1,900,000
Up to
€1,275,000
Key benefits
Prestige Plus Prestige Comprehensive Standard
In-patient cover No annual maximum up to overall benefit amount
Limits apply for inpatient psychiatric treatment
No annual maximum up to overall benefit amount
Limits apply for inpatient psychiatric treatment
No annual maximum up to overall benefit amount
Limits apply for inpatient psychiatric treatment
No annual maximum up to overall benefit amount
Limits apply for inpatient psychiatric treatment
Out-patient cover Yes Yes Yes No
Optional Upgrade
Brain and body scans No annual maximum up to overall benefit amount No annual maximum up to overall benefit amount No annual maximum up to overall benefit amount No annual maximum up to overall benefit amount
Cancer Yes Yes Yes Yes
Chronic conditions Yes Yes Yes No
Pregnancy Yes Yes No
Optional
No
HIV/AIDS Yes No No No
Palliative care Yes Yes
Cancer Diagnosis Only
No No
Emergency treatment outside area of cover Yes Yes Yes Yes
Evacuation and repatriation Yes Yes Yes Yes
Virtual Doctor Service Yes Yes Yes No
Available with out-patient option
Other benefits
Prestige Plus Prestige Comprehensive Standard
Health and wellbeing Yes
sub-limits apply for different tests
Yes
sub-limits apply for different tests
Yes
sub-limits apply for different tests
Yes
sub-limits apply for different tests
Disability compensation Yes Yes No No
Support and helplines Yes Yes Yes Yes
Personal medical case management Yes Yes Yes Yes
International travel insurance Yes Yes Optional Optional
Optional benefits
Prestige Plus Prestige Comprehensive Standard
International travel insurance already included already included Up to 95 days outside your principal country of residence Up to 95 days outside your principal country of residence
Dental care including routine already included 80% up to €1,900 80% up to €1,275 No
Routine pregnancy already included already included Up to €6,375 (Optional on Small Corporate Schemes) No
Out-patient treatment:
Consultants, psychiatric illness, complementary medicine, diagnostic tests, physiotherapy, vaccines
already included already included already
included
Up to €950
sub-limits apply for different treatments
What's not covered

Our global health plans are designed to cover treatment of medical conditions that respond quickly to treatment – known as acute conditions. Like most health insurance policies, there are a number of exclusions and limitations on the plans and this is just a summary of the most significant exclusions and limitations:

  • Treatment of medical conditions you had, or had symptoms of, before you joined
  • Out-patient cover excluded on Foundation and Standard plans unless the out-patient option has been selected
  • Routine dental check-ups for Foundation, Standard, Comprehensive or Prestige plans (available as an optional upgrade to Comprehensive and Prestige plans)
  • Routine pregnancy and childbirth on Foundation, Standard or Comprehensive plans
  • Preventive treatment
  • Treatment of conditions that last a long time or come back (also known as chronic conditions) if you have a foundation or Standard plan
  • Any treatment costs incurred as a result of engaging in or training for any sport for which you receive a salary or monetary reimbursement, including grants or sponsorship (unless you receive travel costs only)
  • Claims if you travel outside your area to get treatment or against medical advice
  • USA cover excluded on all plans unless this has been selected with your cover
  • Treatment that you receive in the UK from providers that are not listed in our Directory of Hospitals unless you have a Prestige Plus plan
  • The costs of arranging treatment Full details of what members are and are not covered for are provided in the membership handbook, or are available on request



  • Please see the membership handbook for full details.

    If you prefer a plan which provides cover for essentials, the Foundation plan may be your option. This plan includes:

    • An overall policy limit of €125,000
    • Hospital charges if you need to stay in hospital overnight or as a day-patient
    • Surgery – whether you’re staying overnight or not
    • A second opinion if you need some reassurance, including a medical case manager
    • Emergency evacuation and repatriation
    • Ambulance transport
    • Cancer treatment, including radiotherapy, chemotherapy, bisphosphonates, biological therapies and experimental drugs
    • Emergency in patient and day patient cover everywhere, excluding USA (unless Worldwide cover is chosen)
    • Parent accommodation when your child needs hospital treatment
    • Accidental damage to teeth
    • Medical conditions that start during pregnancy
    • Out-patient treatment can be chosen as an upgrade
    What's covered
    Prestige Plus Plan
    Overall Benefit
    Maximum annual amount: Up to €3,825,000
    Key Benefits
    In-patient cover: No annual maximum up to overall benefit amount
    Limits apply for inpatient psychiatric treatment
    Out-patient cover: No annual maximum up to overall benefit amount
    sub-limits apply for different treatments
    Brain and body scans: No annual maximum up to overall benefit amount
    Cancer: No annual maximum up to overall benefit amount
    Chronic conditions: Yes
    Pregnancy: Yes
    HIV/AIDS: Yes
    Palliative care: Up to 30 days
    Emergency treatment: Yes
    Evacuation and repatriation: Yes
    Other Benefits
    Health and wellbeing: Yes
    sub-limits apply for different tests
    Disability compensation: Yes
    Support and helplines: Yes
    Personal medical case management: Yes
    International travel insurance: Yes
    Optional Benefits
    International travel insurance: already included
    Dental care including routine: already included
    Routine pregnancy: already included
    Out-patient treatment: already included
    What's not covered
    Our International Health Plans are designed to cover treatment of medical conditions that respond quickly to treatment – known as acute conditions. Like most health insurance policies, there are a number of exclusions and limitations on the plans and this is just a summary of the most significant exclusions and limitations:
  • Pre-existing medical conditions; options to include these are available for company schemes of five or more
  • Routine dental check-ups for Standard, Comprehensive or Prestige plans (available as an optional upgrade to Comprehensive and Prestige plans)
  • Routine pregnancy and childbirth on Standard or Comprehensive plans (available as an optional upgrade to Comprehensive plans for corporate schemes only)
  • Preventative treatment
  • Ongoing, recurrent or long-term treatment of long-term illnesses (usually referred to as Chronic conditions) if you have the Standard plan
  • Any treatment costs incurred as a result of engaging in or training for any sport for which you receive a salary or monetary reimbursement, including grants or sponsorship (unless you receive travel costs only).
  • Claims if you travel outside your area to get treatment or against medical advice


  • Please see the membership handbook for full details.
    Prestige Plan
    Overall Benefit
    Maximum annual amount: Up to €2,550,000
    Key Benefits
    In-patient cover: No annual maximum up to overall benefit amount
    Limits apply for inpatient psychiatric treatment
    Out-patient cover: No annual maximum up to overall benefit amount
    sub-limits apply for different treatments
    Brain and body scans: No annual maximum up to overall benefit amount
    Cancer: No annual maximum up to overall benefit amount
    Chronic conditions: Yes
    Pregnancy: Yes
    HIV/AIDS: No
    Palliative care: Up to 30 days for cancer diagnoses only
    Emergency treatment: Yes
    Evacuation and repatriation: Yes
    Other Benefits
    Health and wellbeing: Yes
    sub-limits apply for different tests
    Disability compensation: Yes
    Support and helplines: Yes
    Personal medical case management: Yes
    International travel insurance: Yes
    Optional Benefits
    International travel insurance: already included
    Dental care including routine: 80% up to €1,900
    Routine pregnancy: already included
    Out-patient treatment: Consultants, psychiatric illness, complementary medicine, diagnostic tests, physiotherapy, vaccines: already included
    What's not covered
    Our International Health Plans are designed to cover treatment of medical conditions that respond quickly to treatment – known as acute conditions. Like most health insurance policies, there are a number of exclusions and limitations on the plans and this is just a summary of the most significant exclusions and limitations:
  • Pre-existing medical conditions; options to include these are available for company schemes of five or more
  • Routine dental check-ups for Standard, Comprehensive or Prestige plans (available as an optional upgrade to Comprehensive and Prestige plans)
  • Routine pregnancy and childbirth on Standard or Comprehensive plans (available as an optional upgrade to Comprehensive plans for corporate schemes only)
  • Preventative treatment
  • Ongoing, recurrent or long-term treatment of long-term illnesses (usually referred to as Chronic conditions) if you have the Standard plan
  • Any treatment costs incurred as a result of engaging in or training for any sport for which you receive a salary or monetary reimbursement, including grants or sponsorship (unless you receive travel costs only).
  • Claims if you travel outside your area to get treatment or against medical advice


  • Please see the membership handbook for full details.
    Comprehensive
    Overall benefit
    Maximum annual amount: Up to €1,900,000
    Key Benefits
    In-patient cover: No annual maximum up to overall benefit amount
    Limits apply for inpatient psychiatric treatment
    Out-patient cover: No annual maximum up to overall benefit amount
    sub-limits apply for different treatments
    Brain and body scans: No annual maximum up to overall benefit amount
    Cancer: No annual maximum up to overall benefit amount
    Chronic conditions: Yes
    Pregnancy: No (optional on corporate schemes)
    HIV/AIDS:No
    Palliative care: No
    Emergency treatment outside area of cover: Yes
    Evacuation and repatriation: Yes
    Other Benefits
    Health and wellbeing: Yes
    sub-limits apply for different tests
    Disability compensation: No
    Support and helplines: Yes
    Personal medical case management: Yes
    International travel insurance: Optional
    Optional Benefits
    International travel insurance: Up to 95 days outside your principal country of residence
    Dental care including routine: 80% up to €1,275
    Routine pregnancy: Up to €6,375
    Out-patient treatment: Consultants, psychiatric illness, complementary medicine, diagnostic tests, physiotherapy, vaccines: already included
    What's not covered
    Our International Health Plans are designed to cover treatment of medical conditions that respond quickly to treatment – known as acute conditions. Like most health insurance policies, there are a number of exclusions and limitations on the plans and this is just a summary of the most significant exclusions and limitations:
  • Pre-existing medical conditions; options to include these are available for company schemes of five or more
  • Routine dental check-ups for Standard, Comprehensive or Prestige plans (available as an optional upgrade to Comprehensive and Prestige plans)
  • Routine pregnancy and childbirth on Standard or Comprehensive plans (available as an optional upgrade to Comprehensive plans for corporate schemes only)
  • Preventative treatment
  • Ongoing, recurrent or long-term treatment of long-term illnesses (usually referred to as Chronic conditions) if you have the Standard plan
  • Any treatment costs incurred as a result of engaging in or training for any sport for which you receive a salary or monetary reimbursement, including grants or sponsorship (unless you receive travel costs only).
  • Claims if you travel outside your area to get treatment or against medical advice


  • Please see the membership handbook for full details.
    Standard
    Overall Benefit
    Maximum annual amount: Up to €950,000
    Key Benefits
    In-patient cover: No annual maximum up to overall benefit amount
    Limits apply for inpatient psychiatric treatment
    Out-patient cover: No annual maximum up to overall benefit amount
    sub-limits apply for different treatments
    Brain and body scans: No annual maximum up to overall benefit amount
    Cancer: No annual maximum up to overall benefit amount
    Chronic conditions: No
    Pregnancy: No
    HIV/AIDS: No
    Emergency treatment: Up to €12,750 for up to 6 weeks
    Palliative care: No
    Emergency treatment outside area of cover: Yes
    Evacuation and repatriation: Yes
    Other Benefits
    Health and wellbeing: Yes
    sub-limits apply for different tests
    Disability compensation: No
    Support and helplines: Yes
    Personal medical case management: Yes
    International travel insurance: Optional
    Optional Benefits
    International travel insurance: Up to 95 days outside your principal country of residence
    Dental care including routine: No
    Routine pregnancy: No
    Out-patient treatment: Consultants, psychiatric illness, complementary medicine, diagnostic tests, physiotherapy, vaccines: Up to €950
    sub-limits apply for different treatments
    What's not covered
    Our International Health Plans are designed to cover treatment of medical conditions that respond quickly to treatment – known as acute conditions. Like most health insurance policies, there are a number of exclusions and limitations on the plans and this is just a summary of the most significant exclusions and limitations:
  • Pre-existing medical conditions; options to include these are available for company schemes of five or more
  • Routine dental check-ups for Standard, Comprehensive or Prestige plans (available as an optional upgrade to Comprehensive and Prestige plans)
  • Routine pregnancy and childbirth on Standard or Comprehensive plans (available as an optional upgrade to Comprehensive plans for corporate schemes only)
  • Preventative treatment
  • Ongoing, recurrent or long-term treatment of long-term illnesses (usually referred to as Chronic conditions) if you have the Standard plan
  • Any treatment costs incurred as a result of engaging in or training for any sport for which you receive a salary or monetary reimbursement, including grants or sponsorship (unless you receive travel costs only).
  • Claims if you travel outside your area to get treatment or against medical advice


  • Please see the membership handbook for full details.

    Accessible Health insurance plans that support your well being and help you feel better

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    This is Georgina Zammit, one of our Customer Support Operators.

    Simply speak to her or another one of our team members if you require any assistance on health insurance.

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