AXA Global Healthcare international health insurance
A source-based guide to AXA's international health insurance: five cover levels, optional upgrades, geographic choice, services and published limitations.
AXA Global Healthcare's international product is designed for people living or travelling abroad who want private healthcare for routine and emergency needs. This page concerns AXA Global Healthcare only, not a separate regional AXA product.
Cover-level comparison
| Cover level | Overall plan limit, per member per year | Outpatient |
|---|---|---|
| Foundation | $400,000 | Optional upgrade: combined allowance of $1,600 or $4,000, or cover up to the plan limit |
| Standard | $1,600,000 | Optional upgrade, as Foundation |
| Comprehensive | $2,400,000 | Included, combined limit $5,600 |
| Prestige | $3,200,000 | Included, combined limit $16,000 |
| Prestige Plus | $8,000,000 | Included up to the plan limit |
Limits from AXA Global Healthcare's "Comparing our plans" summary of benefits, as read for our feature matrix on 15 October 2026. Check the Summary of Benefits supplied with your quote for every sub-limit; figures can differ by plan edition.
Core benefits and services
- Emergency medical cover and cancer treatment, subject to the selected plan's terms.
- Medical evacuation and repatriation.
- Virtual Doctor consultations delivered through Teladoc Health.
- Mind Health support.
- Second Medical Opinion for an independent review of a diagnosis or treatment plan.
Geography and cost options
Applicants can choose whether their area of cover includes the USA. AXA also offers a per-person excess: the member pays up to the agreed amount when claiming in exchange for a lower premium. Outpatient treatment and routine dental care are offered as upgrades. Availability and exact terms are confirmed during application.
How much does AXA Global Healthcare cost?
AXA prices by quote; we found no published premium on its plan or claims pages (checked 17 Oct 2026). From AXA's own documents as read for our feature matrix (15 October 2026), the price is set by:
- Cover level, from Foundation to Prestige Plus.
- Area of cover: worldwide, or worldwide excluding the USA (emergency treatment in the USA stays covered on every level except Foundation).
- Excess per person per year: £100/$160, £250/$400, £500/$800, £1,000/$1,600 or £2,000/$3,200, plus £5,000/$8,000 and £10,000/$16,000 on Standard without an outpatient upgrade.
- Upgrades: outpatient and routine dental.
- Your age and country of residence.
For scale, and not this insurer's own price: on 27 July 2026 IPMIcompare priced one profile (a healthy 40-year-old, inpatient only, worldwide excluding the USA) across 17 international insurers in eight countries, and annual premiums ran from $1,783 to $9,989, with a median around $4,300 (international health insurance cost data). That page publishes market ranges, not a named insurer's premium.
How to claim with AXA Global Healthcare
From AXA Global Healthcare's "how claims are paid" page (checked 17 Oct 2026):
- Hospital stays (day or longer): contact AXA first to arrange a pre-approval letter for your chosen doctor, clinic or hospital in the AXA Select network. The letter confirms what is covered and lets the provider invoice AXA, which settles eligible fees directly. AXA can issue the letter in a range of languages.
- Outpatient care: if the provider is in the AXA Select network, AXA pays them directly where it can. Otherwise keep the invoice and receipt and claim them back.
- Claiming back: photograph the invoice and receipt and upload them to your online account; AXA aims to reimburse within two working days. If your plan has the healthcare payment card, tap to pay for eligible outpatient treatment and upload the invoice to the AXA Global Healthcare Card app within 48 hours. Or post the original invoice, receipt and proof of payment.
- Deadline: send claims within six months of the treatment date.
- Help: message AXA through your online account or call +44 (0) 1892 503 856, open 24 hours a day.
AXA's dated statistic: 83.2% of eligible claims submitted online between January and December 2025 were paid within two days. The AXA Select network covers 192 countries and 2,052,030 facilities where AXA can settle bills directly, as of February 2026 (AXA's figures, not independently verified, and not a guarantee for an individual claim).
AXA Global Healthcare pros and cons
Drawn from the facts on this page and from AXA's documents as summarised in our feature matrix. A summary of published terms, not a rating.
| Pros | Cons and watch-outs |
|---|---|
| Five clear levels, from a low-cost $400,000 Foundation plan to $8m on Prestige Plus. | Designed for conditions that begin after you join; check how any medical history will be treated before you buy. |
| AXA's handbooks list a moratorium option alongside full underwriting and continuing medical exclusions; the latest found is dated April 2022 and its current pages do not mention it, so confirm the basis at quote. | Pregnancy cover only on Prestige ($16,000) and Prestige Plus ($19,200), after an 18-month wait, and not available as an add-on. |
| Evacuation and repatriation included as standard on all five levels; renewal premium not increased because of claims. | Outpatient cover is an upgrade on Foundation and Standard; Foundation does not cover emergency treatment in the USA if you exclude it. |
| Direct settlement with a pre-approval letter, and AXA's published two-day online reimbursement figure. | Cooling-off period of 14 days, against 30 at Bupa Global and Allianz Care. |
Compare how AXA underwrites pre-existing conditions with seven other insurers: moratorium, CPME, age limits and high blood pressure, from each insurer's own documents.
Exclusions and limitations
- The published product page says the plans are designed for conditions beginning after joining and do not cover pre-existing conditions.
- Charges must be usual and customary for the country of treatment.
- Treatment outside the selected area, or against medical advice, is excluded.
- Injuries from sports for which the member is paid and incidental treatment-arrangement costs are listed exclusions.
Official source
AXA Global Healthcare international health insurance. AXA's plan page is the current source used here; its benefit documentation should be checked with the quotation.
Compare AXA beside Cigna, Bupa, Allianz, IMG and APRIL on 14 policy terms in the international health insurance feature matrix, or read the Cigna Global, Bupa Global and Allianz Care health insurance guides.
Frequently asked questions
What are the AXA Global Healthcare cover levels?
How much does AXA international health insurance cost?
How do I make a claim with AXA Global Healthcare?
Does AXA Global Healthcare cover pre-existing conditions?
Who underwrites AXA Global Healthcare?
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General information only. Benefits, limits, eligibility and terms depend on the current policy documents and the terms offered by AXA. No network total, named hospital partnership or average approval time is asserted on this page.