At ACS, we insure everybody,
everywhere in the world!

 

EXPATRIATE HEALTH INSURANCE FOR EXPATS LIVING IN FRANCE

Specially designed healthcare coverage for foreign expatriates living in France

Health covers

Level of cover

Essential

Comfort

Excellence

Hospitalization (with prior consent)
Maximum limit per beneficiary per year 250.000 € 250.000 € 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 50 € / day
100 % of actual expenses
limited to 100 € / 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 1.500 € / 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 25 € / day
100 % of actual expenses
limited to 50 € / 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 1.000 € / year
100 % of actual expenses
limited to 2.000 € / year
Immediate re-education following hospitalization 100 % of actual expenses
limited to 1.000 € / year
100 % of actual expenses
limited to 1.000 € / year
100 % of actual expenses
limited to 2.000 € / 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 Not covered 80 % of actual expenses
limited to 50 €
90 % of actual expenses
limited to 100 €
Analyses, radiology, scans 80 % of actual expenses 90 % of actual expenses
MRI (with prior consent) 80 % of actual expenses 90 % of actual expenses
Prescribed medication and vaccines 80 % of actual expenses 90 % of actual expenses
Prescribed medical auxiliaries 80 % of actual expenses 90 % of actual expenses
Physiotherapy, chiropractor, osteopath, homeopath and acupuncturist (with prior consent) 80 % of actual expenses
limited to 50 € par séance
et 500 € / year
90 % of actual expenses
limited to 50 € par séance
et 1.000 € / year
Prescribed speech therapy and orthoptics
(with prior consent)
80 % of actual expenses
limited to 50 € par séance
et 500 € / year
90 % of actual expenses
limited to 50 € par séance
et 1.000 € / 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
Spa treatments
(with prior consent)
No 25 € / day
maximum 20 jours
Optical
Prescribed spectacle lenses, frames and contact lenses Not covered 80 % of actual expenses
limited to 150 € / year
90 % of actual expenses
limited to 300 e / year
Dental
Maximum limit per beneficiary for 12 months of membership Not covered 1.000 € 2.000 €
Dental care 80 % of actual expenses 90 % of actual expenses
Orthodontics
(child under 16 and with prior consent)
No 90 % of actual expenses
limited to 500 € / year
Dental prostheses, including inlays, onlays, implants
(with prior consent)
80 % of actual expenses
limited to 150 € / dent
90 % of actual expenses
limited to 300 € / dent
Maternity (with prior consent)
Childbirth expenses Not covered 100 % of actual expenses
limited to 2.000 € / year
100 % of actual expenses
limited to 4.000 € / year
Health check
Complete health check cover Not covered No 100 % of actual expenses
limited to 300 €
one every three years

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Optional Covers

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

  Sum insured
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 €