AXA PPP healthcare International Health Plan

Our International Health Plan for businesses with 3-49 employees provides private healthcare that suits your employees and your business.

It features:

• Age-related premiums
• Full underwriting
• Option for Medical History Disregarded for groups with 10 employees or more (premium loading applies)
• Option for transferring from a number of other medical insurers, with continuing exclusions
• Option for routine pregnancy cover for groups with 10 or more employees, on our Comprehensive option.

If your business has more than 50 employees please visit the Corporate area of our website.

Full Insurance

With this contract type the risk is entirely with AXA PPP healthcare. You provide us with some basic information to enable us to assess the appropriate annual premium for your group.

A brief description of underwriting styles

A number of different medical underwriting styles may be available, depending on the size of your group and any current healthcare schemes. Here is a brief explanation of each:

Fully underwritten

Available to International groups of all sizes (3-49). All applicants must declare their medical history on the application form and we might request a medical report. Pre-existing medical conditions are then excluded where necessary. Any new member joining the group at a later date must also be fully underwritten. Claims made early in the policy will be investigated to ensure the medical conditions are not pre-existing.

Continuation of medical exclusions

This option is available to groups transferring from a fully underwritten policy with another insurer and is not available to groups of less than three. If you join this plan on the basis of ‘continuation of medical exclusions’ this means that we will transfer any medical underwriting terms for medical conditions you had before joining that previous insurer to your new policy. It is important to remember, however, that this relates only to the specific underwriting terms. Your policy will be subject to our general terms including the exclusions and benefit limitations, which you will find in the membership handbook. Continuation of medical exclusions only applies at the point of switching to AXA PPP healthcare and subsequent new joiners to the group must be underwritten. If a group has selected ‘medical history disregarded’ underwriting with their current provider and wishes to continue on this basis with AXA PPP healthcare, they should consider our ‘medical history disregarded’ option.

Medical history disregarded

This option - the most expensive - allows members of groups of at least 10 members and, when agreed, their family members, to be enrolled without any exclusions relating to their previous medical history. Your policy will be subject to our general terms including the exclusions and limitations which you will find in the membership handbook. ‘Medical history disregarded’ terms are extended to any subsequent joiners to the group.