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Medical Assistance

This is NOT a private medical insurance and only gives cover in the event of accident or illness. We will only pay for private treatment if there is no appropriate reciprocal health agreement in existence or public service available. In the event of any medical treatment becoming necessary, and for which reimbursement will be sought, you will be expected to allow us or our representative's unrestricted access to all your medical records and information.

Medical Assistance Abroad

In the event of a serious illness or accident which may lead to in-patient hospital treatment or before any arrangements are made for repatriation or Curtailment necessitating your early return home, you must contact AXA Assistance and in the event of you incurring medical expenses in excess of £500.

Contact AXA Assistance on +44 (0)845 271 4490

The service operates 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission and expenses covered by the policy to be paid directly to the hospital or clinic, for repatriation and for authorisation of medical expenses. If you are unable to contact the Assistance Company because your medical condition requires immediate emergency treatment, then you must contact AXA Assistance as soon as possible to take advantage of this benefit. Private medical treatment is not covered unless authorised specifically by AXA Assistance. For simple out-patient treatment, normally less than £500, you should pay the hospital/clinic yourself and claim back medical expenses from us on your return to home. Beware of requests for you to sign for excessive treatment or charges. If in doubt regarding any such requests, please call AXA Assistance on the number above for guidance.

Reciprocal Health Agreements

European Union, European Economic Area and Switzerland. If you are a European Community resident, you are entitled to health care through the public system in countries of the European union (EU), European Economic Area (EEA) and Switzerland if you become ill or injured while on a temporary stay there. We strongly recommend you apply for and obtain a European Health Insurance Card (EHIC) for yourself and/or family and make sure that any medical treatment is provided at hospitals or by doctors working within the terms of the reciprocal health care agreement, unless we agree otherwise. If you are admitted to a private clinic, you may be transferred to a public hospital as soon as the transfer can be arranged safely.

Australia. If you require medical treatment in Australia, you must enrol with a local MEDICARE office. You do not need to enrol on arrival but you must do this after the first occasion you receive treatment. In-patient and out-patient treatment at a public hospital is then available free of charge. Details of how to enrol and free treatment available can be found in the Health Advice for Travellers booklet available from your local Post Office.

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