Prices and additional options

Discover the prices and additional options of expatriate mutual insurance for health coverage adapted to your needs, wherever you are in the world.

International health coverage for expatriates

Why choose mutual insurance for expatriates?

When you live and work abroad, your local health coverage may not be sufficient for your specific needs. Expat health insurance plans are designed to provide additional protection, covering a wide range of medical services that local healthcare systems may not cover. Thus, by subscribing to mutual insurance for expatriates, you benefit from extensive coverage, adapted to your personal and professional situation, wherever you are in the world.

The advantages of international mutual health insurance

International health insurance offers many advantages which are essential for expatriates:

• Worldwide coverage: No matter where you travel or live, you are insured against unforeseen medical emergencies.
• Multilingual services: Assistance available in several languages, essential for non-French speaking expatriates.
• Access to specialists: Consultation with medical specialists, regardless of the country where you reside.
• Extended guarantees: Some mutual insurance companies offer specific guarantees such as medical repatriation, maternity or even dental and optical care.

How to choose the right mutual insurance for expats

To choose the health insurance that suits you best, consider the following points:

• Evaluate your needs: Consider your family situation, medical history and lifestyle.
• Compare offers: Study several proposals to identify the one that offers the best guarantees at a competitive price.
• Care network: Check if the mutual offers a large network of healthcare providers in countries where you travel frequently.
• Customization options: Some mutual insurance companies allow you to adjust the guarantees according to your specific needs, which can be very practical.

Cost and coverage of mutual insurance for expatriates

Expatriate mutual insurance prices vary depending on several factors such as age, country of residence, desired level of coverage and additional options. It is therefore crucial to compare offers carefully to find the best value for money. In general, basic benefits include medical consultations, hospitalizations and emergency care, but it is important to check reimbursement ceilings and waiting periods.

Assistance and support for administrative procedures

A good mutual insurance company for expatriates offers complete assistance in your administrative procedures. This service may include:

• Membership assistance: Ease and speed of registering with mutual insurance.
• Reimbursement management: Simplified procedure to obtain your reimbursements without complications.
• Emergency assistance: Services available 24/7 to meet your needs in the event of an emergency.

By subscribing to expatriate health insurance, you not only protect your health but also your peace of mind, knowing that you are covered wherever you are in the world.

Comparison of mutual insurance prices for expatriates

Criteria for comparing prices

To properly compare the prices of mutual insurance companies for expatriates, it is essential to take into account several specific criteria. Evaluating the coverage offered, the amounts of the deductibles, as well as the reimbursement ceilings are necessary steps to make an informed choice. Another factor to consider is the geographic area covered by the insurance, as rates may vary depending on the region where you reside. Finally, pay attention to add-on services like multilingual support and repatriation options.

Comparison of the main mutual insurance companies on the market

When comparing the different mutual insurance companies available on the market, focus on those that are known for their reliability and quality of service. Here is a list of some popular mutual funds for expats:
– April International: Known for its flexible offers and coverage adapted to expatriates from all backgrounds.
– Cigna Global: Offers a wide range of customizable plans and 24/7 multilingual support.
– Allianz Care: Renowned for its comprehensive coverage options and international emergency assistance.
– MSH International: Specializing in expat healthcare solutions with premium service options.

Examples of monthly rates

Expatriate health insurance prices vary depending on several factors, including age, level of coverage and destination. Here are some average prices to give a general idea:
– April International: From €80 per month for basic coverage.
– Cigna Global: From €100 per month with customization options.
– Allianz Care: From €90 per month for comprehensive coverage.
– MSH International: From €110 per month for premium services.

Coverage options and their impact on prices

It is important to note that the level of coverage chosen has a direct impact on the amount of your monthly premium. Here are some options that can influence prices:
– Coverage for dental and optical care: Additional but often necessary, especially for extended stays.
– Medical repatriation: A crucial option for expatriates living in less medically developed areas.
– Hospital care: Complete coverage of hospital costs, which can significantly increase the cost of your mutual insurance.
When choosing mutual insurance for expatriates, it is crucial to carefully analyze your needs and compare the different offers available to find the one that best suits your situation.

Dental and vision coverage options for expats

Why is dental and vision coverage essential for expats?

Living far from your home country presents many challenges, including maintaining excellent oral and vision health. Medical costs can vary from country to country, and some countries do not offer the same standards of dental and optical care. For expatriates, comprehensive coverage is essential to avoid unexpected expenses and benefit from quality care. Opting for a mutual fund that includes these options allows you to travel and live abroad with complete peace of mind.

What are the dental care benefits?

Expatriate mutual insurance offers extensive dental care coverage, including:

• Routine consultations and examinations
• Conservative care (scaling, fillings, etc.)
• Periodontal care
• Dentures
• Dental implants
• Orthodontic treatments

These services make it possible to prevent and treat common dental problems, but also to benefit from more specialized care if necessary. The mutual also ensures that expatriates have access to qualified healthcare professionals, even abroad.

Optical care support

For optical care, expatriate mutual insurance offers comprehensive coverage which includes:

• Consultations with an ophthalmologist
• Prescription glasses and sunglasses
• Contact lenses
• Refractive surgeries (such as laser surgery)

These options are designed to guarantee excellent visual health, essential for a balanced professional and personal life abroad. Expatriates can thus continue their daily activities without interruption due to vision problems.

The benefits of multilingual support

One of the particularities of expatriate mutual insurance is multilingual assistance. This option ensures smooth communication with healthcare providers, avoiding potential misunderstandings. Expatriates benefit from customer service available in several languages, making administrative procedures and reimbursements easier to handle.

A simplified reimbursement process

The expatriate mutual also offers a quick and simplified reimbursement process. Thanks to an intuitive online platform, it is possible to submit reimbursement requests in just a few clicks, access your medical history and track the status of your claims in real time. This allows you to concentrate on the essential: making the most of your life abroad.

Flexibility and customization of contracts

Each expatriate has specific needs, and this is why expatriate mutual insurance offers customizable contracts. Depending on your profile and your expectations, it is possible to choose the level of coverage that suits you, including extensions for dental and optical care. This flexibility guarantees optimal protection at competitive prices, in line with your budget and your health needs.

Repatriation insurance: why is it essential?

Safety first

For expatriates, the priority is to guarantee their safety and that of their family in all circumstances. In the event of a serious medical problem or natural disaster, repatriation insurance becomes essential. It allows a return to their country of origin to receive appropriate care and be closer to their family, which can be crucial in crisis situations.

Coverage of medical expenses

Medical costs abroad can be exorbitant, especially in countries with expensive healthcare systems. Repatriation insurance covers not only the costs of on-site care, but also those linked to medical transport to France or another country of residence. This includes the ambulance, medical flight and accompanying health personnel.

Multilingual support

For expats living in regions with different languages ​​and healthcare systems, multilingual support is a real asset. Repatriation insurance services typically offer 24/7 assistance in multiple languages, facilitating communication and ensuring efficient emergency management.

Facilitation of administrative procedures

In the event of repatriation, administrative procedures can be complex and stressful. Repatriation insurance takes care of these formalities, from coordination with local hospitals to relations with consular authorities. This allows the expat to focus on their recovery without having to worry about logistical and administrative details.

Transportation of loved ones

Another important facet of repatriation insurance is covering the return costs of family members accompanying the expatriate. In the event of a critical situation, it is reassuring to know that loved ones can also be transported safely to a place where adequate care can be provided.

Taking emergency situations into account

Expats can find themselves in various emergency situations, such as an accident, serious illness or even a political crisis in their country of residence. Repatriation insurance offers a rapid and adapted response to these various scenarios, guaranteeing a safe return without additional hassle.

Peace of mind

Taking out repatriation insurance allows you to have peace of mind during your travels and extended stays abroad. Knowing that in the event of serious problems, you will be taken care of efficiently and quickly, allows you to experience your expatriation peacefully and to concentrate on your professional and personal objectives.

Choice of deductibles and reimbursement levels

Understanding deductibles in mutual insurance for expatriates

Deductibles are an essential component of mutual insurance for expatriates. They result in a fixed amount that the member must pay before the insurance begins to cover health costs. Understanding how they work is essential to making an informed choice.
There are mainly two types of franchises:
– The annual deductible, a fixed amount that you must pay each year.
– The deductible per procedure, which applies to each medical visit, consultation or treatment.
When choosing your mutual insurance, it is crucial to compare these different options to determine which one best suits your needs and your budget.

Analyze reimbursement levels

Reimbursement levels vary from one mutual fund to another, and it is important to compare them to ensure that you benefit from the most suitable cover possible. The reimbursement level represents the percentage of medical costs that insurance will cover.
In general, the higher the reimbursement level, the higher the insurance premium will be. Reimbursement levels can cover various services such as:
– Consultations with the general practitioner and specialist
– Hospitalizations
– Dental care
– Optical costs
– Drugs
Medical needs and consultation frequencies are decisive factors in choosing the right reimbursement level.

Choose additional coverage options

In addition to deductibles and reimbursement levels, some mutuals offer additional coverage options to meet the specific needs of expatriates. Here are some of the most common options:
– Maternity care coverage, essential for expatriates planning to expand their family abroad.
– Coverage of chronic disease care, ensuring adequate medical monitoring.
– Repatriation assistance, essential if you need urgent medical care in your country of origin.
Adding these options to your contract can significantly increase your peace of mind, especially if your travels and your situation require increased protection.

Make the choice based on your destination

Medical conditions and costs of care differ greatly from country to country. It is therefore essential to choose a mutual insurance company based on your country of residence or destination. Check the quality and cost of local health systems to adapt your mutual insurance to your situation:
– In some countries, health care can be very expensive, requiring comprehensive coverage.
– In others, basic health care may be available at low or no cost, but specialized treatments may be expensive.
Find out about your destination in order to best match your health coverage needs.

Compare offers for a better decision

With the abundance of offers available on the market, it is crucial to take the time to compare the different mutual insurance companies for expatriates. To do this, you can:
– Use online comparators
– Read reviews from other expats
– Consult independent agents specializing in insurance for expatriates
Rigorously comparing these elements will help you choose the mutual insurance company best suited to your personal and professional situation.

Specific guarantees for expatriate families

Understanding the specific needs of expatriate families

Expatriate families have diverse and often complex health needs. Between pediatric consultations for children, dental care for the whole family and regular medical follow-ups, it is essential to choose a suitable mutual insurance company. Expatriate mutual insurance companies understand these issues and offer specific guarantees to ensure the health of all family members, wherever they are in the world.

Comprehensive medical coverage

A mutual insurance company for expatriates must offer comprehensive medical coverage. This includes :
– General and specialized consultations
– Hospitalization costs
– Maternity care
– Child psychiatric follow-ups
– Dental and ophthalmological care

These guarantees allow families to benefit from quality care without worrying about the exorbitant costs often associated with medical services abroad.

Multilingual support and responsive customer service

Expatriate families may face language barriers when seeking medical care. A mutual offering multilingual assistance is therefore crucial. Translation and interpreting services can be essential in the event of a medical emergency. Additionally, responsive customer service, available 24/7, will ensure that all needs and questions are handled quickly and efficiently.

Management of medical emergencies

Medical emergencies can happen at any time. A good expatriate mutual fund should offer coverage for medical evacuations, medical repatriations and emergency care. So, if needed, families can be assured of receiving immediate, high-level assistance, regardless of their location.

Prevention and preventive care

Prevention plays a key role in family health. Expatriate health insurance plans must include prevention and preventative care programs, such as vaccinations, annual health check-ups and consultations for early detection of illnesses. These measures help reduce the risk of serious illness and ensure a better quality of life for all members of the family.

Flexibility of guarantees

Each family is unique, with specific needs. A mutual insurance company for expatriates must offer options for customizing guarantees. This allows families to choose the coverage that best suits their individual needs while controlling their budget.

Medical partner network

A vast network of partner doctors, hospitals and clinics is a major asset. A mutual with an extensive network allows families to easily access trusted healthcare professionals, wherever they are. In addition, this greatly facilitates the management of reimbursements and direct support.

Specific guarantees for children

The health needs of children require special attention. Expatriate mutual insurance companies generally offer specific guarantees for pediatric care, consultations with children’s specialists, and compulsory and recommended vaccinations. These safeguards ensure that children receive the best possible care during their growth and development.

By choosing a suitable and comprehensive mutual insurance company, expatriate families can live their experience abroad with peace of mind, knowing that their health and well-being are well taken care of.