April International Global

Product Description

April international - a French comprehensive medical insurance provider

The April Group is a French insurance company that was founded by Bruno Rousset and Xavier Coquard in 1988 as an insurance broker called April Assurances. It initially had fifteen employees. In 1997, the company went public with an IPO on the Paris Stock Exchange (Compartment A, SBF 120). In 1999, it established a subsidiary in Milan, Italy called April Italia (originally established under the name April SpA). In 2001, the April Group acquired London & European Title Insurance Services, a specialist in insurance contract design and management. The same year, it also established a German subsidiary called April Financial Services AG. In 2006, it created April Iberia in Madrid to develop and distribute individual protection products for the Spanish market.

In 2007, the April Group expanded into North America with the acquisition of Escape Travel Insurances in Canada. In 2008, it began developing the April Health network with plans to open 60 to 80 outlets, and it also acquired 100% of the share capital of online health insurance broker Medibroker. In 2018, the April Group celebrated its 30th anniversary and has continued to grow, operating in 31 countries and offering a range of specialist insurance solutions and assistance services to its customers. The company is headquartered in Lyon, France and is listed on Euronext Paris (Compartment B). In 2017, it reported a turnover of 928.4 million euros.

April International’s International Medical Insurance Solution

If you are planning to move abroad for work, to be with family, or for any other reason, it is important to consider the health and wellbeing of yourself and your family. One way to ensure that you have access to potentially lifesaving medical treatment and are protected against large treatment bills is to obtain international private medical insurance. APRIL International has been providing insurance services for over 30 years and has a reputation for making insurance easy and delivering a first-class insurance experience. These private medical insurance plans offer the protection you need when living or working abroad and can be tailored to meet your specific needs, no matter how complex the situation. With APRIL International, you can have peace of mind knowing that you and your family are protected.

Cancer, Hospice and kidney Dialysis

ALC recognizes that cancer requires specific treatment and care, and as such, does not classify it as a chronic condition. Instead, ALC offers “Oncology” benefits within its insurance plans to cover cancer treatment. These benefits are paid in full up to the overall maximum sum insured under each plan. If your cancer is no longer curable and you receive palliative treatment, ALC will continue to cover you in full, as well as any hospice costs if applicable. Hospice care for end-of-life care is also covered under ALC’s insurance plans, subject to the limits specified in the policy wording. Additionally, an acute episode of kidney dialysis is covered in full up to the overall maximum sum insured under each plan. For those with the Prima Platinum or Prima Premier plans, dialysis as routine management is also covered up to the benefit limits.

The ALC Health individual and Family Plans

Prima Platinum: A benefit rich plan with an extensive range of medical treatments with the option of routine pregnancy and childbirth care, routine and restorative dental treatment and evacuation or repatriation services.

Prima Premier: Our traditional comprehensive plan combining in-patient and daypatient treatment with the option to add out-patient treatment, routine pregnancy and childbirth care, dental treatment and evacuation or repatriation services.

Prima Classic: An everyday international insurance plan covering the essential costs of in-patient, day-patient and out-patient treatment with the option to add routine pregnancy and childbirth care, routine dental treatment and evacuation or repatriation services.

Underwriting options for individuals, families and groups

ALC offers Prima Classic, Premier, and Platinum plans for individuals and companies with four or more employees. These plans provide a range of international health insurance coverage and benefits. When you apply for coverage with ALC, we will ask for some basic information to help us determine the annual premium and underwriting terms for the plan you have chosen. This information will be used to assess the appropriate coverage and terms for your policy.

1. Moratorium (MORI)

This insurance option does not cover the treatment of any medical condition or specified related condition that existed during the five years before the policy began. This applies to conditions with a firm diagnosis as well as conditions for which you had symptoms, even if no diagnosis was made. You are considered to be aware of a medical condition if you know or ought reasonably to have known that something was wrong, even if you have not seen a doctor. If you need treatment for a condition that is not covered in the first two years of your policy, you can make a claim after this two-year period has elapsed, as long as you have not received medical treatment, advice, or taken drugs or followed special diets for the condition in the two consecutive years before treatment was needed. If you have received treatment for a pre-existing condition within the two-year period, you will not be able to make a claim until you have gone for two consecutive years without treatment, advice, help, or drugs. Some continuous or recurring medical conditions may never be covered because you will always need medical advice or medication, preventing you from going two consecutive years without either. Additionally, some medical conditions may be permanently excluded from coverage.

2. Continuation of Personal Medical Exclusions (CPME)

Both individuals and companies can switch to ALC Health from an insurance policy with another provider, whether it is fully underwritten or has a moratorium. If you switch to ALC Health on the basis of “continuation of medical exclusions,” we will transfer any previous underwriting terms for medical conditions to your new policy. It is important to note that this only applies to the specific underwriting terms and that your policy will be subject to our general terms, including exclusions and benefit limitations, which are outlined in the policy wording. If your company has selected “medical history disregarded” underwriting with your current provider and wishes to continue this with ALC Health, you should consider our “medical history disregarded” option.

3. Full Medical Underwriting

To join ALC Health, you must complete a Full Medical Underwriting Application Form that provides details of your medical history. ALC will review this information and may exclude certain previous or ongoing medical conditions from coverage. These exclusions will be listed on your Certificate of Insurance. Please note that these are personal exclusions and your policy will also be subject to ALC’s general terms and conditions. This option is available to individuals or groups and is required for anyone joining ALC who is over the age of 74.

4. Medical History Disregarded (MHD)

The Medical History Disregarded (MHD) option is the most expensive and is only available to companies with more than 10 employees. With MHD, members can join ALC without any exclusions based on their previous medical history (subject to the terms and conditions of the policy).