EXPATRIATE HEALTH INSURANCE AMI
The coverage for expatriates in the World (except France)
Health covers
| Level of cover | Comfort |
Excellence |
Excellence Plus |
| Hospitalization (with prior consent) | |||
| Maximum limit per beneficiary per year |
250.000 € | 500.000 € | 500.000 € |
| Medical hospitalization |
100 % of actual expenses | 100 % of actual expenses | 100 % of actual expenses |
| Surgical hospitalization |
100 % of actual expenses | 100 % of actual expenses | 100 % of actual expenses |
| Hospitalization ancillary expenses |
100 % of actual expenses | 100 % of actual expenses | 100 % of actual expenses |
| Private room |
100 % of actual expenses limited to 50 € / day |
100 % of actual expenses limited to 100 € / day |
100 % of actual expenses limited to 150 € / day |
| Organ graft |
100 % of actual expenses | 100 % of actual expenses | 100 % of actual expenses |
| Psychiatry |
100 % of actual expenses limited to 1.500 € / year |
100 % of actual expenses limited to 3.000 € / year |
100 % of actual expenses limited to 3.000 € / year |
| Accompanying bed for hospitalization of a child under 16 years |
100 % of actual expenses limited to 25 € / day |
100 % of actual expenses limited to 50 € / day |
100 % of actual expenses limited to 60 € / day |
| Outpatient consultations linked to a hospitalization / Day surgery | 100 % of actual expenses | 100 % of actual expenses | 100 % of actual expenses |
| Hospitalization at domicile |
100 % of actual expenses limited to 1.000 € / year |
100 % of actual expenses limited to 2.000 € / year |
100 % of actual expenses limited to 2.500 € / year |
| Immediate re-education following hospitalization |
100 % of actual expenses limited to 1.000 € / year |
100 % of actual expenses limited to 2.000 € / year |
100 % of actual expenses limited to 2.500 € / year |
| Local emergency transport by ambulance |
100 % of actual expenses | 100 % of actual expenses | 100 % of actual expenses |
| Emergency dental plastic surgery following an accident |
100 % of actual expenses | 100 % of actual expenses | 100 % of actual expenses |
| Emergency treatment worldwide (trip of up to seven weeks) |
100 % of actual expenses | 100 % of actual expenses | 100 % of actual expenses |
| Routine medical expenses | |||
| Generalist and specialist fees |
80 % of actual expenses limited to 50 € per session |
90 % of actual expenses limited to 100 € per session |
100 % of actual expenses limited to 120 € per session |
| Analyses, radiology, scans |
80 % of actual expenses |
90 % of actual expenses | 100 % of actual expenses |
| MRI (with prior consent) |
80 % of actual expenses |
90 % of actual expenses | 100 % of actual expenses |
| Prescribed medication and vaccines |
80 % of actual expenses |
90 % of actual expenses | 100 % of actual expenses |
| Prescribed medical auxiliaries | 80 % of actual expenses |
90 % of actual expenses | 100 % of actual expenses |
| Physiotherapy, chiropractor, osteopath, homeopath and acupuncturist (with prior consent) |
80 % of actual expenses limited to 50 € per session and 500 € / year |
90 % of actual expenses limited to 50 € per session and 1.000 € / year |
100 % of actual expenses limited to 60 € per session and 1.200 € / year |
| Prescribed speech therapy and orthoptics (with prior consent) |
80 % of actual expenses limited to 50 € per session and 500 € / year |
90 % of actual expenses limited to 50 € per session and 1.000 € / year |
100 % of actual expenses limited to 60 € per session and 1.200 € / year |
| Prescribed medical prostheses (with prior consent) |
80 % of actual expenses limited to 1.000 € / year |
90 % of actual expenses limited to 2.000 € / year |
100 % of actual expenses limited to 2.500 € / year |
| Spa treatments (with prior consent) |
Not covered | 25 € / day maximum 20 jours |
25 € / day maximum 20 jours |
| Optical | |||
| Prescribed spectacle lenses, frames and contact lenses | 80 % of actual expenses limited to 150 € / year |
90 % of actual expenses limited to 300 € / year |
100 % of actual expenses limited to 450 € / year |
| Dental | |||
| Maximum limit per beneficiary for 12 months of membership |
1.000 € | 2.000 € | 2.500 € |
| Dental care |
80 % of actual expenses |
90 % of actual expenses |
100 % of actual expenses limited to 1000 € / year |
| Orthodontics (child under 16 and with prior consent) |
Not covered | 90 % of actual expenses limited to 500 € / year |
100 % of actual expenses limited to 600 € / year |
| Dental prostheses, including inlays, onlays, implants (with prior consent) |
80 % of actual expenses limited to 150 € / tooth |
90 % of actual expenses limited to 300 € / tooth |
100 % of actual expenses limited to 500 € / tooth |
| Maternity (with prior consent) | |||
| Childbirth expenses | 100 % of actual expenses limited to 2000 € / year |
100 % of actual expenses limited to 4000 € / year |
100 % of actual expenses limited to 5000 € / year |
| Health check | |||
| Complete health check cover | Not covered | 100 % of actual expenses limited to 300€ (one every three years) |
100 % of actual expenses limited to 300€ (one every three years) |
Life insurance covers
| Death benefits (additional to the health scheme) | Sum insured | ||
| Lump sums in the case of death or total and permanent loss of autonomy | 25.000 € | 50.000 € | 100.000 € |
| Additional lump sum in the case of accidental death or total and permanent loss of autonomy following an accident |
25.000 € | 50.000 € | 100.000 € |
| Daily benefits / Disability pension (additional to death benefits) | |||
| Daily benefits (deductible: 90 or 180 days) Disability pension | 25 € / day |
50 € / day |
100 € / day |
| The lump sums paid in the case of death (non-accidental) must not be more than twice the declared gross annual income. The amount of daily benefits and the disability pension cannot exceed 70% of gross annual income. Gross annual income must be declared at the time of enrolment. The subscriber must be able to give proof of remunerated professional activity in the case of sick leave. |
Assistance cover
| Amount covered | |
| Repatriation assistance | |
| Repatriation or medical transport |
Actual expenses |
| Transport of the body in the event of death | |
| Repatriation of the body | Actual expenses |
| Funeral expenses requiring transport | 1.500 € |
| Repatriation of other family members | Ticket (one way only) |
| Returning the Insured to the country of expatriation after "consolidation" | Ticket (one way only) |
| Public liability | |
| Physical injury, material or consequential loss |
4.500.000 € |
| Material and consequential loss only |
150.000 € |
| Excess per claim | 150 € |
