ACS Expat is tailored for expatriates of all nationalities residing in one of the countries covered by the policy.
This international health insurance is designed to meet the needs of individuals living long-term outside their home country, whether for professional, personal, or family reasons.
It also includes protection for temporary stays worldwide, including trips of up to 7 weeks outside the selected coverage area.
Additionally, ACS Expat offers pricing tailored to the cost of medical care in your country of residence, ensuring appropriate and competitive coverage.
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At ACS, we understand that healthcare costs can vary significantly from one country to another. That’s why ACS Expat offers pricing tailored to your country of residence, ensuring you receive international health coverage at a fair rate that reflects local conditions.
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Your life abroad deserves health insurance that meets your expectations. Choose ACS Expat — support you can count on, wherever you are in the world!
Moving abroad is a rewarding adventure that opens up many opportunities, but it also requires good preparation—especially when it comes to health coverage. Whether you’re going alone, as a couple or with your family, for a year or for many, having international health insurance tailored to your new life abroad is essential.
Our ACS Expat policy supports you wherever you are in the world with flexible international health coverage designed to meet your needs and expatriate situation. With its wide range of benefits and excellent value for money, ACS Expat allows you to enjoy your time abroad with complete peace of mind, knowing you’re well protected.
ACS Expat is a flexible and highly customisable health insurance solution, designed to give YOU peace of mind while living abroad. Intended for expatriates or future expatriates under the age of 65 at the time of subscription, ACS Expat offers lifetime, tailor-made health cover in the currency of your choice: from the first Euro or first USD. With ACS Expat, you build the coverage that suits you. Whether you’re going solo or as a family, ACS Expat gives you the protection you need—with hospitalisation and international medical evacuation and repatriation always included as core benefits. Thanks to its excellent value for money, this expat health insurance gives you peace of mind throughout your time abroad.
Choosing ACS Expat means opting for reliable health insurance tailored to your new life abroad. In addition to core hospital cover, you select the optional benefits that match your needs: outpatient care, dental and optical, maternity, enhanced assistance…
With coverage in your country of expatriation and during trips to other countries—including your home country—ACS Expat is with you wherever you go. You’ll have access to a broad medical network, while still being free to choose the doctor and hospital you prefer. You’ll also benefit from a multilingual assistance platform available 24/7, round-the-clock medical teleconsultation, and deductible options to help manage your budget—just a few of the many reasons ACS Expat is a smart choice for a safe and stress-free expatriation.
ACS Expat is a lifelong expatriate health insurance plan, designed specifically for expats. It is entirely modular, allowing you to choose the benefits that suit your needs and budget while ensuring optimal protection.
With ACS Expat, you choose the currency of your policy—Euros or USD. This currency applies to both your premiums and your benefit limits.
For the core benefit of hospitalisation—covering only inpatient stays over 24 hours—you can choose from 4 levels of protection. Annual benefit limits per person range from €/$500,000 to €/$3,000,000. Regardless of the level you choose, international medical evacuation and repatriation and round-the-clock medical teleconsultation are always included!
On top of this core cover, ACS Expat offers optional benefits:
ACS Expat international health insurance is designed to be simple, efficient and easy to use—wherever you are in the world:
With its flexibility, ACS Expat enables you to create health coverage that truly fits your needs, with simplified access to care and streamlined claims management.
The ACS Expat health insurance policy covers you in the following cases:
Yes, ACS Expat is a lifetime expatriate health insurance policy. It is automatically renewed each year, which means that once subscribed, you can benefit from lifelong cover—provided that you continue to meet your policy obligations.
Your ACS Expat international health insurance policy takes effect on the date stated on your insurance certificate, subject to payment of the first premium.
Your ACS Expat policy is automatically renewed every year on its anniversary date. For example, if your policy started on 1st June, it will renew every year on 1st June.
Yes, the age limit for subscribing to the ACS Expat policy is 64 years. However, once enrolled, you can remain covered with no age limit, as long as your policy is renewed and you continue to meet your obligations.
Absolutely! Expats who are already living abroad can subscribe to the ACS Expat policy as long as they meet the eligibility criteria—that is, they are under 65 years old and live in one of the many eligible countries.
Yes, you can subscribe individually, as a couple, or as a family. Children are covered up to their 25th birthday, and partners are eligible up to the age of 65.
If you are already insured with ACS Expat, your newborn can be covered from birth without a medical questionnaire, provided you notify us within 30 days of the birth and submit the hospital-issued birth certificate. If you miss this deadline, a medical questionnaire will be required and coverage will be subject to the insurer’s approval.
Yes—and in fact, an excellent one! Medical costs can vary greatly from one country to another—whether it’s for a consultation, medical tests, dental care or hospitalisation. That’s why ACS Expat has been designed to adapt to the cost of healthcare in your new country of residence. With over 45 years of experience, we’ve developed a pricing structure tailored to local practices, so you benefit from comprehensive coverage at an excellent rate.
The “hospitalisation only” plan is the minimum level of cover offered by our expatriate health insurance. It covers only the costs of hospital stays of more than 24 hours, excluding routine medical consultations, dental or optical care. This basic level of cover includes international medical evacuation and repatriation.
When subscribing to ACS Expat, you can choose from several annual deductible levels: no deductible, €/$500, €/$1,000, €/$5,000 or €/$10,000. Choosing a deductible allows you to lower your premium while maintaining comprehensive cover.
The deductible applies to all selected health benefits, excluding the Assistance benefit. This means you will be responsible for all eligible medical expenses up to the deductible amount. Once the deductible is reached, ACS Expat will cover your healthcare costs as per your policy limits.
Yes, you can change your deductible once during the lifetime of your policy. However, if you wish to remove a deductible, it is considered an increase in cover. In this case, you will need to complete a new medical questionnaire, and waiting periods may apply.
Your ACS Expat policy can be paid monthly, quarterly, semi-annually, or annually, with no extra fees—you choose the schedule that suits you best.
You can pay your premium by bank transfer, credit card, or SEPA direct debit (SEPA is only available for payments in euros). Please note: monthly payments are not available for bank transfers.
Yes, you can switch from a Euro-denominated policy to a Dollar-denominated one, as long as the level of cover remains exactly the same. No new medical questionnaire will be required. However, this change can only be made on the policy renewal date.
Can I change the options of my international health insurance each year?
Yes, but only on your policy’s renewal date. If you wish to increase your level of cover—such as upgrading your health benefits or expanding your geographical zone—you’ll need to complete a new medical questionnaire, and a new insurance certificate will be issued.
If you reduce your level of cover, please note that you will only be allowed to request an upgrade again after a minimum of two years.
In general, ACS Expat does not cover pre-existing medical conditions or prior accidents that occurred before the policy start date, whether ongoing or not. However, this exclusion does not apply to pre-existing conditions declared at the time of enrolment and accepted by the insurer.
That’s why it’s crucial to declare all relevant conditions and complete your medical questionnaire thoroughly during the subscription process, so that your eligibility for cover can be assessed.
The ACS Expat teleconsultation service allows you to speak with a doctor remotely, 24/7, without any upfront payment. The service is accessible worldwide via a secure platform. Depending on your situation, you can receive medical advice, a diagnosis, or a prescription.
All the details are available on our dedicated ACS Expat teleconsultation service page.
Euro-Center is ACS’s partner and acts as your health plan administrator. They are responsible for handling claims and organising direct billing with medical providers.
In practice, Euro-Center will process your reimbursements, arrange direct settlement for certain treatments (especially hospitalisation), and in some cases, even pay your medical bills upfront.
If you need to declare medical expenses or arrange pre-approval before receiving care, you should contact Euro-Center directly:
+66 (0) 2569 0225 (available 24/7)
acs@euro-center.com
Yes, you are free to consult the doctor of your choice. If you’re unsure which provider to contact or if you need help, you can reach out to Euro-Center, who will advise and guide you in selecting a healthcare provider.
That depends on the type of treatment received! ACS Expat international health insurance offers direct settlement in certain cases, while for others, you will need to pay upfront and then submit a claim for reimbursement to your health plan administrator:
Yes. Once your ACS Expat policy is active, you will receive a list of Euro-Center network hospitals located in your main country of expatriation. These are the facilities where you can benefit from direct billing (third-party payment).
If you’re travelling outside this country, you can contact your health administrator to obtain a list of approved healthcare providers at your temporary destination.
To request a reimbursement, follow these steps:
– For claims under €/$1,000: Send your request along with digital copies of your supporting documents by email to acs@euro-center.com.
– For claims over €/$1,000: Send your documents by post to the following address:
Euro-Center (Thailand) Co., Ltd
Spring Tower Building, Unit 5-10, Floor 22
188 Phayathai Road, Thung Phayathai, Ratchathewi
10400 Bangkok, THAILAND
Simply complete our online form and one of our advisors will get in touch as soon as possible with a quote tailored to your needs.
You can also contact us directly at +33 (0) 1 40 47 91 00 or by email at contact@acs-ami.com — our team will be happy to help you find the expat health insurance that’s right for you!
Living abroad is a wonderful opportunity — both personally and professionally. It’s a highly rewarding experience, full of new perspectives and discoveries. To enjoy your expatriation with peace of mind, one of the most important steps in preparing for your new life abroad is putting the right social protection in place.
Drawing on many years of expertise in international mobility, we offer a simple and seamless subscription process, with dedicated support from a personal advisor at every stage.
Request a personalised quote: Fill in our online form in just a few clicks to tell us about your situation and your needs.
Speak with a dedicated advisor: One of our experts will get back to you promptly with a tailored proposal and will work with you to fine-tune your cover to match your expectations.
Finalise your enrolment: Once you’ve chosen the ideal plan, simply complete the enrolment form and medical questionnaire. ACS will review your application quickly.
Submit your supporting documents: Send us the required documentation to set your policy in motion.
Choose your payment frequency: Monthly, quarterly, semi-annually or annually — select the option that suits you best, with no extra fees.
👉 Request your quote in just a few clicks
With ACS Expat, you benefit from flexible international health insurance at excellent value for money. It’s the health insurance that adapts to your needs — and those of your family!
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With a dedicated team of approximately 50 professionals of multiple nationalities, ACS stands proudly at the forefront of international mobility insurance brokerage. Our 40-year legacy of expertise has earned the trust of over 200,000 clients worldwide.
Our address
ACS – Travel & Expatriate Insurance Solutions
Insurance brokerage company
153, rue de l’Université, 75007 PARIS, FRANCE
Phone number : +33 (0)1 40 47 91 00
N° ORIAS 07 000 350 – Website ORIAS : www.orias.fr
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