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AXA Global Healthcare AXA Global Health Plan für Privatkunden Standard: the policy wording in full
AXA Global Health Plan in der Linie Standard: stationär im Rahmen von 1.275.000 € je Jahr, ambulant nur mit Zusatzbaustein, keine Entbindung, Geltungsbereich weltweit mit oder ohne USA.
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Everything about this policy
What the policy covers: 67 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for AXA Global Healthcare AXA Global
Health Plan für Privatkunden Standard.
Basics and area of cover
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Overall annual limit per insured person | yes, up to EUR 1,275,000 | „Overall policy limit per member £1,000,000 or $1,600,000 or €1,275,000“ | 1.3, page 7 |
| Open ended cover without maximum duration (renewable for life) | yes | „We will renew the policy on the new terms unless the policyholder asks AGH EU to make …“ | Renewal, page 60 |
| Maximum policy term or stay abroad | not addressed | ||
| Selectable areas of cover (Europe, worldwide excluding USA, worldwide) | yes | „Your healthcare insurance statement will show where you are covered for treatment. This …“ | 1.2, page 7 |
| USA and Canada included or optional | yes | „If you have added USA cover, your cover extends to treatment in the USA too.“ | 1.6, page 16 |
| Cover during stays in the home country | not addressed | ||
| Cover on trips to third countries outside the area of cover | not addressed | ||
| Maximum age at entry | not addressed | ||
| Requirements on residence, nationality or minimum stay abroad | yes | „The country of residence is the country where the policyholder lives or intends to live …“ | 1.2, page 7 |
| Certificate for visa or residence permit | not addressed | ||
| Cover for spouse or partner and children | yes | „To add a family member or baby to your cover“ | 5.1, page 53 |
| Rules on compulsory local insurance in the country of residence | yes | „It is your responsibility to make sure you have cover that meets any requirements made …“ | Requirements that may apply in your country of residence, page 60 |
Outpatient treatment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Outpatient medical treatment | yes, up to EUR 1,275 | „This includes any out-patient medical practitioner’s consultation fees“ | 1.5 Optional Out-patient cover, page 13 |
| Free choice of doctor (no network or gatekeeper) | yes | „Your policy covers you for in-patient and day-patient treatment at other hospitals.“ | 2 Paying claims, page 21 |
| Prescribed medication and dressings | yes, up to EUR 125 | „Drugs and dressings £100 a year or $160 a year or“ | 1.5 Optional Out-patient cover, page 13 |
| Therapies (physiotherapy, speech therapy) | yes, up to EUR 1,275 | „Physiotherapy treatment Within combined limit“ | 1.5 Optional Out-patient cover, page 8 |
| Medical aids and appliances | yes, up to EUR 6,375 | „We will pay this benefit towards the cost of providing an external prosthesis.“ | 1.4 Other cover, page 10 |
| Health checks and vaccinations | yes, up to EUR 190 | „Vaccinations £150 a year or $240 a year or“ | 1.5 Optional Out-patient cover, page 13 |
| Complementary therapies (acupuncture, chiropractic) | yes, up to EUR 250 | „Complementary practitioner fees“ | 1.5 Optional Out-patient cover, page 14 |
| Outpatient psychotherapy | yes, up to the sum insured | „If you have the optional out-patient cover, your policy also covers you for treatment …“ | 4.21, page 45 |
| Telemedicine (video consultation) | yes | „Access to a Virtual Doctor service for unlimited video appointments and telephone …“ | 1.4 Other cover, page 11 |
Inpatient treatment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Inpatient hospital treatment | yes, up to the sum insured | „Hospital and day-patient unit fees Within your overall policy limit“ | 1.4, page 8 |
| Private or semi private room | no | „Fees for in-patient or day-patient: standard accommodation“ | 1.4, page 8 |
| Parent accommodation when a child is in hospital | yes, up to the sum insured | „Covers the cost of one parent staying in hospital with a child under 18.“ | 1.4, page 9 |
| Cancer treatment (chemotherapy, radiotherapy) | yes, up to the sum insured | „radiotherapy and chemotherapy“ | 1.4, page 8 |
| Organ transplant | yes, up to the sum insured | „please call us so that we can tell you what support we offer.“ | 4.24, page 46 |
| Rehabilitation after hospital treatment | yes, up to the sum insured | „We will cover in-patient rehabilitation for up to 28 days per event“ | 4.28, page 48 |
| Home nursing after hospital treatment | yes, up to the sum insured | „Nurse to give you chemotherapy or antibiotics by intravenous drip at home“ | 1.4 Other cover, page 12 |
| Inpatient psychiatric treatment | yes, up to the sum insured | „We will cover you for up to 100 days for treatment as an in-patient“ | 4.21, page 45 |
| Treatment of chronic conditions (ongoing, not only acute) | yes, up to the sum insured | „Your cover for in-patient treatment of chronic conditions is limited to 120 days per …“ | 3.3, page 28 |
Dental, optical, maternity
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Dental treatment (fillings, root canal) | yes, up to EUR 405 | „Dental treatment 50% of the cost up to a maximum of:“ | 1.4 Other cover, page 13 |
| Dental prosthetics (crowns, bridges, implants) | not addressed | ||
| Orthodontics | not addressed | ||
| Emergency dental pain relief | yes, up to EUR 12,750 | „Accidental damage to teeth“ | 1.4 Other cover, page 12 |
| Glasses and contact lenses | not addressed | ||
| Pregnancy and childbirth | no | „We do not cover routine childbirth.“ | 4.25, page 15 |
| Waiting period for maternity | not addressed | ||
| Newborns covered without health questions | yes | „If you would like to add a new baby to your cover, you can do this from their date of …“ | 5.1, page 53 |
| Fertility treatment | no | „We do not cover investigations or treatment of infertility and assisted reproduction.“ | 4.17, page 44 |
Emergency, evacuation and service
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Medical evacuation to the nearest suitable hospital | yes, up to the sum insured | „evacuating you to a suitable medical facility in a different country for treatment“ | 1.9, page 17 |
| Repatriation to the home country | yes, up to the sum insured | „We will cover the costs of repatriating you if we have agreed to cover your emergency …“ | 1.9, page 17 |
| Repatriation of mortal remains | yes, up to the sum insured | „If you die outside a country that you hold a passport for, we will cover the cost of …“ | 1.9, page 18 |
| 24 hour emergency assistance line | yes | „Emergency Assistance +44 (0)1892 513 999 24 hours a day“ | Welcome to your policy, page 2 |
| Direct billing with hospitals (guarantee of payment) | yes | „If you have your treatment at a hospital listed in our network of hospitals, we will …“ | 2, page 21 |
| Medical second opinion | not addressed | ||
| Compassionate visit by a relative | not addressed | ||
| Elective treatment in the home country instead of the country of residence | no | „This includes if you decide you want to travel back to your country of residence for …“ | 1.9, page 17 |
Exclusions and benefit rules
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of pre existing conditions | yes | „it means that you do not have cover for treatment of medical problems you had in the …“ | 3.2, page 27 |
| General waiting period | not addressed | ||
| HIV and AIDS covered | not addressed | ||
| Exclusion of war, terrorism and unrest even if not actively involved | none | „We do not cover treatment you need as a result of your active involvement in war“ | 4.23, page 46 |
| Exclusion of epidemics and pandemics | not addressed | ||
| Exclusion of hazardous sports | yes | „the medical condition is a result of base jumping, cliff diving“ | 1.9 Exclusions, page 19 |
| Annual or per treatment deductible | yes, up to the sum insured | „If your policy has an excess, you do not have to pay the excess“ | 1.4, page 11 |
| Percentage co insurance | not addressed | ||
| Refund limited to reasonable and customary charges | yes | „We will only pay for charges for treatment or services that a hospital, medical …“ | 1.7, page 16 |
| Prior authorisation before inpatient or costly treatment | yes | „Always remember to contact us before you have your treatment“ | 2, page 21 |
| Deadline for submitting claims | yes | „no later than six months after your treatment starts“ | 2, page 23 |
| Reimbursement currency and exchange rate rule | yes | „We will pay you in the currency that you request when you make a claim.“ | 1.1, page 7 |
Contract and premium
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Guaranteed renewal, no cancellation by the insurer after claims | no | „tell them the terms the policy will continue on if the policy is still available“ | Renewal, page 60 |
| Insurer's right to cancel or not to renew | yes | „refuse to renew your policy;“ | Breaking the terms, page 62 |
| Premium increases with age bands | yes | „Your premium will tend to rise as you get older.“ | 5.7, page 56 |
| Rule for premium adjustments (trigger, frequency) | yes | „Your premium will only change at renewal or if something changes“ | 5.7, page 57 |
| Continuation or transfer on return home (dormant cover, transfer right) | not addressed | ||
| Policyholder's notice period | yes | „If you pay monthly, you can cancel your policy from the next monthly payment date.“ | 5.5, page 56 |
| Governing law and contract language | yes | „Irish Law will apply unless you and we agree otherwise.“ | Law applying to your policy, page 62 |
| Insurer domiciled and supervised in the EU or EEA | yes | „underwritten by AXA Insurance dac. Registered Office: Wolfe Tone House, Wolfe Tone …“ | Welcome to your policy, page 2 |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- AXA Global Healthcare (EU) Insurance Limited (am Text prüfen)
- Distribution
- brokers and direct
- Global Health Plan Standard Handbook EU Individual April 2023 Edition: Global Health Plan Standard, Individual, April 2023 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for AXA Global Healthcare AXA Global Health Plan für Privatkunden
Standard and available as plain text.
Volltext AXA Global Healthcare AXA Global Health Plan für Privatkunden Standard Krankenversicherung für Auswanderer · As text (Markdown) AXA Global Healthcare AXA Global Health Plan für Privatkunden Standard Expat health