AXA Global Healthcare: the AXA group's international range for expatriates

AXA Global Healthcare is the international health branch of the AXA group. For a resident of the European Union, the policy is presented by AXA Global Healthcare (EU) Limited, an Irish company that describes itself as a managing general agent and is regulated by the Central Bank of Ireland; it is administered by AXA Global Healthcare (UK) Limited, authorised by the British FCA, and the risk is carried by AXA Insurance dac, the group's Irish insurer.

This three-entity structure is not unusual, but it determines the applicable law, the supervisory authority and the point of contact in the event of a complaint: the insurer's name must appear on the certificate of insurance. The general terms and conditions state that the English version prevails over any translation.

The identification of the insurer carrying the risk for European residents is based on a membership handbook and an information document dated April two thousand and twenty-three; we did not find a more recent version confirming it.

The individual Global Health Plan comes in five plans: Foundation, Standard, Comprehensive, Prestige and Prestige Plus. The overall annual limit per insured person ranges from up to €312,500³ for Foundation to up to €6,375,000¹ for Prestige Plus, with the Standard plan at up to €1,275,000².

• Hospitalisation and major treatment in all plans; outpatient, dental and optical care as options depending on the plan.
• Medical evacuation and repatriation included in all plans, to the nearest suitable facility and then home.
• Routine pregnancy and childbirth excluded from the Foundation, Standard and Comprehensive plans; covered, within certain limits, under Prestige and Prestige Plus, after a waiting period of 18 months⁶ according to the brochure.
• Coverage area: worldwide, with or without the United States.

Payment is made either directly to network facilities, or by reimbursement, or with a healthcare payment card, the insurer then recovering the deductible or the out-of-pocket costs.

The deductible is optional, per insured person and per insurance year. The lowest level offered is from €125⁵; the highest, up to €12,750⁴, is reserved for the Standard plan without the outpatient option.

Conditions that pre-date enrolment are generally not covered. Under moratorium underwriting, health problems from the years before enrolment are excluded until the insured person has gone through a continuous period without symptoms or treatment. Also excluded, unless an option is taken: chronic conditions, non-emergency treatment in the United States, treatment outside the chosen area and costs above customary charges.

For applications without a full medical questionnaire, you must be under less than 80 years⁷ at the start of cover; beyond that, enrolment remains possible with a full questionnaire, with exclusions.

There is no public price schedule: the price depends on age, country of residence, plan and options chosen, and is available on quotation. The worked example published by the insurer applies to a single profile and may not be available at enrolment; we do not reproduce it as a price.

We found no plan designed as a top-up to the Caisse des Français de l'étranger, no list of refused countries of residence, and no required minimum length of expatriation.

The waiting period for pregnancy cover comes from a brochure dated February two thousand and twenty-three; the summary of benefits dated October two thousand and twenty-six refers to an adviser. The exact moratorium periods and the medical evacuation limit must be read in the general terms and conditions in force.