Brokerfish

April International

April international

Comprehensive medical insurance

The April comprehensive medical insurance solution caters to expatriates around the globe. 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). 1999 April 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. 2006 April created Iberia in Madrid to develop and distribute individual protection products for the Spanish market.

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 headquarter is located in Lyon, France. The company lists on Euronext Paris (Compartment B). In 2017, it reported a turnover of 928.4 million euros.

April International’s Comprehensive 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. Ensure access to potentially lifesaving medical treatment and protection against large treatment bills by obtaining 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 protects you when living or working abroad. The plans can be tailored to meet your specific needs, no matter how complex the situation. Enjoy peace of mind with APRIL International while knowing that you and your family are protected by a very comprehensive medical insurance solution.

Examples of medical costs in various locations

APRIL International provides coverage for medical emergencies and treatment costs no matter where you are located around the world. This can be especially important in cases where treatment costs may be higher than expected, such as for chemotherapy and radiotherapy in the UK, which can be particularly expensive in London. For example, April International have covered the full costs (USD 226,000) for a patient with colon cancer that had spread to their lungs. Similarly, the costs of treating hypertension can add up, especially if it requires multiple consultations, blood tests, and medication. In Tanzania coverage was provided for a patient who needed surgery and physiotherapy following a bicycle accident, at a cost of USD 8,355. April’s plans also offer generous maternity benefits, such as coverage for emergency cesarean deliveries, as demonstrated by our coverage of up to USD 25,414 for a patient in Hong Kong.

General information about the insurance plans and the Insurer

April’s all-inclusive health insurance is designed for individuals, families, or couples who are working or living abroad. April’s comprehensive medical insurance is suitable for expatriates of any nationality and many local nationals around the world, with some exceptions due to local insurance regulations or exchange controls. If you are moving from one country to another, our plans provide continuous coverage. The plans are available in GBP, USD, and EURO and you can pay annually, quarterly, or monthly. An Insurance Premium Tax may be applied in some countries. First-class support and care is provided from your initial enquiry through to the management and renewal of your plan by us here at Brokerfish as well as April’s experienced staff.

The plan documentation is rather simple, clear, and easy to understand. Your membership documentation is sent by secure email within 24 hours of enrollment. This documentation includes a membership ID card. April’s UK team, based in the City of London, has over 30 years of experience in providing international private medical insurance to people living and working around the world. They specialize in designing and delivering flexible insurance solutions and support customers of 90 different nationalities living in more than 110 countries around the world. AXA XL Insurance Company UK Limited or AXA XL Agencies Limited underwrites the plans. Both have received top financial strength ratings from major insurance rating agencies.

Design your April International medical Insurance plan

April offer customizable plans to ensure you get the right coverage for your situation.  Use the following steps to design your comprehensive health insurance solution with April:

1. Choose your destination country to determine your cover zone, which determines where healthcare benefits can be claimed. There are 6 cover zones available in the MyHealth International plan. During temporary stays of less than 90 consecutive days, benefits can be claimed worldwide for accident or medical emergencies. You can also choose to extend your coverage to additional countries, which will be included in the zone of the chosen countries.

2. Select the type of cover you prefer: cover from the first euro/US dollar spent, or cover as a top-up to the Caisse des Français de l’Étranger (CFE).

3. Choose from 5 healthcare cover packages: Emergency (minimum healthcare cover in case of accident or medical emergency), Basic (entry-level cover of outpatient care and in case of emergency or accident), Essential (benefits covering essential day-to-day healthcare or in case of unforeseen events), Comfort (high-level cover of medical expenses in all situations), Premium (generous level of cover and high-end benefits).

4. Add optional benefits to your healthcare package: with the Basic, Essential, Comfort, and Premium packages, you can choose to add the Outpatient benefit, VisionDental care, and Maternity benefit.

5. Optional: Reduce your premiums by selecting an annual deductible (Euro/USD 500, Euro/USD 1,000, Euro/USD 2,500, or Euro/USD 5,000) and a reimbursement level (80% or 90% of actual costs) for Outpatient, Vision-Dental, and Maternity benefits. Hospitalisation benefits are always covered at 100%.

Coverage Zones explained

Benefits (planned treatments) can be claimed in your cover zone which is decided by your main destination country/resident country. Expand your coverage to include further coverage zones if desired. There are 6 cover zones in the MyHealth International plan:

Zone 0:

Bahamas (Islands), Puerto Rico and the United States

Zone 1:

China, Hong Kong, Japan and Singapore

Zone 2:

Brazil, Chile, Costa Rica, Mexico, Saint Barthélémy, Saint Martin, Switzerland, the United Kingdom, Taiwan, Thailand and the United Arab Emirates

Zone 3:

Andorra, Armenia, Australia, Austria, Azerbaijan, British Virgin Islands, Cambodia, Canada, Cyprus, Czech Republic, Denmark, Ecuador, Estonia, Faroe Islands, Korea, Finland, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Malta, Moldova, Netherlands, New Zealand, Norway, Panama, Poland, San Marino, Slovakia, Slovenia, Spain, South Africa, Svalbard and Jan Mayen, Sweden, Vatican and Venezuela

Zone 4:

Belgium, France and the French Overseas Departments and Regions (French Guyana, Guadeloupe, Martinique, Mayotte and Reunion Island), Luxembourg and Monaco

Zone 5:

Rest of the world

Did you know?

The benefits provided under the plan can be claimed in the zone where the main destination country is located as well as in the lower zones. In other zones, cover is limited to accidents and medical emergencies.

Read and understand all general exclusions that applies to your April International MyHealth policy here.

Study the Table of Benefits for all the available My Health plans offered by April International here.

Read the General Conditions applicable to your April International policy here.