Your people are the foundation of your business, so it’s important to look after their health. We've been supporting and protecting our global members for over 60 years,1 so you can rest assured that your employees will be taken care of, wherever they are in the world.
International health insurance provides your employees with access to medical treatment across the world. Whether your workforce is made up of expats or locals travelling for work assignments, international health insurance unlocks multiple benefits for your people and your business.
57% of people say health insurance is a key driver when choosing a job.2
Offering international health insurance also gives you the opportunity to attract expats and international talent.
Health insurance provides significant help with retaining your workforce, especially expats.
A significant number of employees consider health benefits to be important in their decision to stay with an employer.3
The Health Trends 2025 survey by Marsh found health-related issues are dealt with quicker in workplaces offering health benefits.4
The quicker your employees can access the treatment they need, the less time they’ll need off work.
It's important to look after your people, but we understand that cost matters. With Global Health Adapt, you can build a plan that’s right for your business and your employees. You can make sure your workforce is taken care of, while maximising value for money.
Included in all Global Health Adapt plans
Your employees will have access to our Core module, no matter what outpatient modules you choose.
You have the choice of two limits. The limit you select is the maximum amount we'll pay for treatment covered under the Core module, per person, per year.
£2,000,000 / €2,500,000 / $3,200,000
or
£5,000,000 / €6,250,000 / $8,000,000.
Treatment covered under this module includes:
You have a choice of four limits. The limit you select is the maximum amount we’ll pay for treatment covered under the Outpatient module, per person, per year.
The Outpatient modules covers your employees for outpatient consultations with medical practitioners, diagnostic tests, outpatient psychiatric treatment, physiotherapy, and Chinese medicine. With this module, your employees will also benefit from our healthcare payment card.
* Only available to groups who have selected the £2,000,000 / €2,500,000 / $3,200,000 core module limit
** Only available if the £5,000,000 / €6,250,000 / $8,000,000 Core module limit has been selected
Requires the Outpatient module to be selected
You have a choice of four limits. The limit you select is the maximum amount we’ll pay for treatment covered under the Drugs and dressings module, per person, per year.
The Dugs and dressings module covers outpatient drugs and dressings which has been prescribed by a medical practitioner or nurse.
Requires the Outpatient module to be selected
You have a choice between three limits. The limit you select is the maximum amount we’ll pay for treatment covered under the Health check module, per person, per year.
The health check module covers your employees for one health check per year. Examples of what could be included in a health check include resting blood pressure, cholesterol tests and certain cancer screening tests.
* Only available if the £5,000,000 / €6,250,000 / $8,000,000 Core module limit has been selected
Requires the Outpatient module to be selected
You have a choice of four limits. The limit you select is the maximum amount we’ll pay for treatment covered under the Pregnancy and childbirth module, per person, per year.
The Pregnancy and childbirth module covers your employees for antenatal consultations, postnatal consultations, screening and monitoring during pregnancy and routine childbirth.
The Pregnancy and childbirth module limits you can select depend on the Core and Outpatient module limits you've chosen. For information about the available limits and requirements, please refer to the table below.
Covering fewer than 10 employees
| Core module limits | Outpatient module | Available pregnancy and childbirth module limits |
| £2,000,000 / €2,500,000 / $3,200,000 | ✔ | £5,000 / €6,375 / $8,000 |
| £5,000,000 / €6,250,000 / $8,000,000 | ✔ | £5,000 / €6,375 / $8,000 or £10,000 / €12,500 / $16,000 |
Covering more than 10 employees
| Core module limits | Outpatient module | Available pregnancy and childbirth module limits |
| £2,000,000 / €2,500,000 / $3,200,000 | ✔ £3,500 / €4,375 / $5,600 | £5,000 / €6,375 / $8,000 |
| £2,000,000 / €2,500,000 / $3,200,000 | ✔ £7,500 / €9,375 / $12,000 | £10,000 / €12,500 / $16,000 |
| £5,000,000 / €6,250,000 / $8,000,000 | ✔ | £5,000 / €6,375 / $8,000 or £10,000 / €12,500 / $16,000 or £15,000 / €18,750 / $24,000 or paid in full |
A 10-month waiting period (moratorium) applies to the Pregnancy and childbirth module, which means your employee must be continuously covered by the plan for this period before they can make a claim.
Requires the £15,000 / €18,750 / $24,000 or paid in full Pregnancy and childbirth module limit.
The limit for this module is £15,000 / €18,750 / $24,000. This is not an annual limit. It applies for as long as your employees, or their dependents, remain a member of a plan arranged by AXA Global Healthcare Group.
Our Assisted fertility module provides covers treatment which aims to prevent future miscarriage and routine cycles of proven fertility treatment.
This module can only be selected if you’re covering a minimum of ten employees and have chosen the £5,000,000 / €6,250,000 / $8,000,000 Core module limit.
A 24-month waiting period (moratorium) applies to the Assisted fertility module, which means your employee must be continuously covered by the plan for this period before they can make a claim.
Requires the Outpatient module to be selected
You have a choice of three limits. The limit you select is the maximum amount we’ll pay for treatment covered under the Upgraded dental care module, per person, per year:
The Upgraded dental care module covers your employees for routine dental treatment and extended cover for non-routine dental treatment.
*Only available if the £5,000,000 / €6,250,000 / $8,000,000 Core module limit has been selected
Requires the Outpatient module to be selected
The limit for this module is 80%, up to £300 / €375 / $480.
This is the maximum amount we'll pay for treatment covered under the Optical module, per person, per year.
Our optical module covers prescription glasses and contact lenses, as well as one eye test per year.
For companies based in Hong Kong who are taking out a plan insured by AXA General Insurance Hong Kong Limited.
The semi-private room module provides your employees with cover for treatment received in a semi-private room rather than a fully private room.
Choosing this module will mean you save money on your premiums.
With the Global Health Adapt Outpatient module, your employees will benefit from our innovative healthcare payment card.6 This gives them the ability to pay for eligible treatment from their mobile device quickly, and without using their own funds.7
All they need to do once they’ve paid is upload a photo of their invoice to the AXA - Global Healthcare Card app and we’ll take care of the rest.
It’s claiming made simple.
Choosing Global Health Adapt will give your employees have access to our all-in-one app. Combining policy management with personalised wellness features and medical support from our Virtual Care services.
Whether they're in the comfort of their home or on the go, our services are designed to support them every step of the way.
As part of our Core module, your team will have access to our Virtual Care services. Supported by a network of over 50,000 specialists,8 our services provide reliable medical help wherever your people are in the world.
Day or night, 365 days a year, your employees are able to book a phone or video consultation with a qualified doctor, in language of their choice.5 And with appointments available at a time that suits them, wherever they are, they won't need to take time out of work to get their health back on track either.
Whatever mental wellbeing challenges your employees are facing, they'll be supported by a qualified psychologist with our Mind Health service. They can make an appointment from anywhere in the world,5 whenever they're ready.
The service is available for up to six telephone-based sessions and accessible in several languages.
If your employees receive a diagnosis or treatment plan that they feel unsure about, our Second Medical Opinion service can step in. Access to leading medical experts means they'll receive a second review of any medical information, including reports, prescriptions and test results.5
So, if they do need treatment that takes them away from work, they'll be confident it's their best option.
Our summary of benefits and sales brochure can give you more information about the flexible benefits you’ll have with Global Health Adapt.
For businesses based in Hong Kong who are taking out a plan insured by AXA General Insurance Hong Kong Limited. Our summary of benefits and sales brochure will provide more detail about the agile cover available with Global Health Adapt.
Islands Health Adapt gives you the same flexibility you'd expect from our Global Health Adapt plans providing cover for treatment in the UK, Channel Islands and Europe.
Download Target Market Statement 2024 - OGICO
Our customers’ reviews, independently moderated and managed by feefo. Based on 0 total reviews.
If this information hasn’t answered your questions, can we help you in a different way?
If you like the sound of what AXA has to offer, we can move your plan to us smoothly, no matter how complex your team. Let us call you and we’ll get everything moving.
Browse through our guidance on how health insurance works in different countries.
1 The AXA group of companies have been providing cross-border health insurance plans since 1963
2 Access to health insurance through work increasingly important to employees, ABI, 2023
3 Employers look to expand health benefits while managing medical costs, Mckinsey, 2022
4 Health Trends 2025 - Global insurer survey report, Marsh, 2024
5 The Virtual Doctor, Second Medical Opinion and Mind Health services are provided by Teladoc Health and are part of our Virtual Care from AXA offering. Appointments are subject to availability.
Virtual Doctor service – Employees don’t need to pay or claim for a consultation, but they will be charged for the initial phone call when using the call back service. They won’t be charged if they 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. Video appointments in English, Spanish and Mandarin are available between 8:00 and 00:00 UK time, Monday to Friday. Video appointments in German are available between 8:00 and 20:00 CET, Monday to Friday. In Singapore, all appointments are only conducted by video and in English, between 8:00 – 00:00 UK time, Monday to Friday.
Mind Health service – Psychologist appointments are available in English or Spanish between 9:00 – 17:30 UK time, Monday to Friday. Appointments for members calling from the UAE are available in English, French or Arabic 9:00 – 20:00 UAE time, Saturday to Thursday and 9:00 – 16:00 UAE time, Fridays. This service provides up to six sessions with a psychologist per non-emergency mind health concern, per year.
6The AXA – Global healthcare Card app is provided by Paysure. The healthcare payment card from AXA is issued by Nium Fintech Limited pursuant to a licence by Visa Europe. Nium Fintech Limited is a company registered in England with company number 09039850, authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 901024).
7The healthcare payment card must only be used to pay for genuine claims for treatment that’s been received, and which are eligible within the terms and conditions of the policy.
8Statistic provided by Teladoc Health
