ACS Health in Asia

Expatriate health insurance designed for expats living in South East Asia

Online quote

This plan covers :

Stays of more than one year
South East Asia
Expatriates under 75 years old (subscription possible before 60 years old)

Strong points :

Policy insured by Allianz
Emergency service 24/7/365
Wide medical network: 4 600 healthcare providers in South East Asia
Direct billing for outpatient care in more than 400 healthcare providers

Benefits designed for you

3 different levels of coverage: Bronze, Silver and Gold
Routine medical expenses
Hospitalisation fees direct pay
Epidemics & Covid-19: medical expenses, hospitalisation and assistance covered
Optical
Dental
Maternity
Health check-up
Assistance - Repatriation and medical transportation
Life insurance benefits: accidental death benefits, disability pension
Civil liability: physical injury, material or consequential loss
Emergency service available by phone 24/7/365 in all main languages

Who is this plan for ?

Expatriates of all nationalities under 60 years old living in the following countries: Cambodia, Indonesia, Laos, Malaysia, Philippines, Myanmar, Taiwan, Thailand and Vietnam.

This plan must be subscribed before the age of 60 years old and offers a full coverage up to 74 years old.

This insurance does not fit your needs ?

We have other plans for you:

Need a lifetime coverage ?

Discover ACS Health in Asia Lifetime

Expatriate in another zone ?

Discover ACS World

More information about the plan

Brochure ACS Health in Asia - AHIA (PDF) HEALTH INSURANCE INFORMATION LEAFLET AHIA (PDF) Accidental Death and Disability INFORMATION LEAFLET AHIA (PDF) Assistance & Civil liability INFORMATION LEAFLET AHIA (PDF)

No extra charges for monthly, quarterly or semiannual premium payments
No bank charges for your claim reimbursements

Health, assistance, civil liability and death benefits

The benefits	*Bronze Basic & Bronze**	Silver	Gold
Maximum limit by beneficiary per calendar year	500 000 $ ou 1 000 000 $*	$ 500 000 or $ 1 000 000	$ 500 000 or $ 1 000 000

The benefits	*Bronze Basic & Bronze**	Silver	Gold
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
Mandatory preoperative consultations (surgeon and anesthetist)	100 % of actual expenses	100 % of actual expenses	100 % of actual expenses
Day surgery	100 % of actual expenses	100 % of actual expenses	100 % of actual expenses
Cancer treatment including chemotherapy	100 % of actual expenses	100 % of actual expenses	100 % of actual expenses
Intensive Care	100 % of actual expenses	100 % of actual expenses	100 % of actual expenses
Organ transplant	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
Local Emergency transport by ambulance	100 % of actual expenses	100 % of actual expenses	100 % of actual expenses
Nursing Care	100 % of actual expenses	100 % of actual expenses	100 % of actual expenses
Physician’s fees	100 % of actual expenses	100 % of actual expenses	100 % of actual expenses
Pathology, X-rays and diagnostics	100 % of actual expenses	100 % of actual expenses	100 % of actual expenses
Medical prostheses	100 % of actual expenses	100 % of actual expenses	100 % of actual expenses
Private standard room	100 % of actual expenses	100 % of actual expenses	100 % of actual expenses
Accompanying bed for hospitalization of a child under 16 years old	100% of actual expenses limited to $ 25 per day	100% of actual expenses limited to $ 50 per day	100% of actual expenses limited to $ 50 per day
Outpatient care before and following hospitalization (up to 30 days before and 90 days following Hospitalization)	100% of actual expenses limited to $ 1 500 per year	100% of actual expenses within the limits of routine	100% of actual expenses within the limits of routine
Physical therapy immediately following Hospitalization	100% of actual expenses limited to $ 1 000 per year	100% of actual expenses limited to $ 2 000 per year	100% of actual expenses limited to $ 2 000 per year
Psychiatry treatment	100% of actual expenses limited to $ 1 500 per year	100% of actual expenses limited to $ 3 000 per year	100% of actual expenses limited to $ 3 000 per year
Home nursing	100% of actual expenses limited to $ 1 000 per year	100% of actual expenses limited to $ 2 000 per year	100% of actual expenses limited to $ 2 000 per year
Out of zone of coverage (trip of up to 7 weeks): Hospitalization resulting from an Emergency	100 % of actual expenses	100 % of actual expenses	100 % of actual expenses

The benefits	*Bronze Basic & Bronze**	Silver	Gold
Maximum limit per beneficiary for 12 months of membership	Not covered	$ 6 000	$ 6 000
Generalist and specialist fees	Not covered	100 % of actual expenses	100 % of actual expenses
Lab tests, radiology, scans	Not covered	100 % of actual expenses	100 % of actual expenses
MRI, PET (with prior consent)	Not covered	100 % of actual expenses	100 % of actual expenses
Prescribed medication and vaccines	Not covered	100 % of actual expenses	100 % of actual expenses
Prescribed Medical Auxiliaries	Not covered	100 % of actual expenses	100 % of actual expenses
Physiotherapy, chiropractor, osteopath, homeopath and acupuncturist (with prior consent)	Not covered	100% of actual expenses limited to $ 50 per session and $ 1 000 per year	100% of actual expenses limited to $ 50 per session and $ 1 000 per year
Prescribed speech therapy and orthoptics (with prior consent)	Not covered	100% of actual expenses limited to $ 50 per session and $ 1 000 per year	100% of actual expenses limited to $ 50 per session and $ 1 000 per year
Prescribed Medical Prostheses (with prior consent)	Not covered	100% of actual expenses limited to $ 2 000 per year	100% of actual expenses limited to $ 2 000 per year
Check-up (1 every 3 years)	Not covered	100% of actual expenses limited to $ 300 per visit	100% of actual expenses limited to $ 300 per visit

The benefits	*Bronze Basic & Bronze**	Silver	Gold
Childbirth expenses	Not covered	Not covered	100% of actual expenses limited to $ 4 000 per year

The benefits	*Bronze Basic & Bronze**	Silver	Gold
Maximum limit per beneficiary for 12 months of membership	Not covered	Not covered	$ 1 000
Dental care	Not covered	Not covered	90% of actual expenses
Dental Prostheses, including inlays, onlays, implants (with prior consent)	Not covered	Not covered	90% of actual expenses limited to $ 150 per tooth (maximum 4 teeth)

The benefits	*Bronze Basic & Bronze**	Silver	Gold
Prescribed spectacle lenses, frames and contact lenses	Not covered	Not covered	90% of actual expenses, up to $ 150 per year

You may reduce your premium by applying deductible ($ 100 , $ 500, $ 1 000)* or co-insurance (10%, 20%)*
*Only available for Silver and Gold plans

The benefits	Coverage amount
Repatriation assistance or medical transportation	Actual expenses
Repatriation of the body in the event of death	Actual expenses
Funeral expenses required for transportation	$ 1 500
Repatriation of other family members	Ticket (one way only)
Return of the insured to the country of expatriation after "consolidation"	Ticket (one way only)
Early Return	Ticket (round trip), limited to once per insured person and per insurance period
Psychological support	3 telephone interviews per insured person and per insurance period

The benefits	Coverage amount
Physical injury, material or consequential loss	$ 4 500 000
Material and consequential loss only	$ 150 000
Excess / claim	$ 150

The benefits	Coverage amount	Coverage amount	Coverage amount
Lump sum in case of death, or total and permanent loss of autonomy*	$ 25 000	$ 50 000	$ 100 000
Additional lump sum in case of accidental death or total and permanent loss of autonomy following an accident*	$ 25 000	$ 50 000	$ 100 000
Daily allowances - deductible: 90 or 180 days (additional to death benefits)*	$ 25 / day	$ 50 / day	$ 100 / day
Disability pension (additional to death benefits)*	$ 25 / day	$ 50 / day	$ 100 / day

Annual disability income: amount of the daily allowances chosen x 365
The lump sum paid in the case of death (non-accidental) must not be more than twice the declared gross annual income
The amount of daily benefits ts and the disability pension cannot exceed 70% of gross annual income

Bronze Basic plan offers a preferential rate with the same level of coverage as Bronze plan. By choosing Bronze Basic plan, the insured accepts to be covered at 100% only in a dedicated hospital network. Bronze Basic plan is exclusively available for expatriates in Thailand. For more information about this plan, please refer to the information leaflet.
1 000 000 USD annual limit is not available for Bronze Basic plan.

Online quote

A comprehensive expatriate insurance

Health insurance designed for expatriates in South East Asia

ACS Health in Asia is an expatriate health insurance plan in US Dollars exclusively designed for expats living in the following countries: Cambodia, Indonesia, Laos, Malaysia, Philippines, Myanmar, Taiwan, Thailand and Vietnam.

This expatriation insurance also covers you:

Worldwide in the case of an emergency, for stays of less than 7 weeks
In any of the countries belonging to the European Economic Area (EEA)¹ and in the United Kingdom, for stays of less than 120 consecutive days

This plan can be subscribed by people of all nationalities under 60 years old. The coverage is valid up to 74 years old. If you wish to have a lifetime coverage, please check ACS Health in Asia Lifetime plan.

The beneftis

With ACS Health in Asia, you can choose:

Among 3 levels of coverage:

Bronze Basic* & Bronze : hospitalization only
Silver : hospitalization + routine medical expenses
Gold : hospitalization + routine medical expenses + optical + dental + maternity + health check-up

You may reduce your premium by applying deductible ($ 100 , $ 500, $ 1 000)* or co-insurance (10%, 20%)*.
*Only available for Silver and Gold plans.

Two annual reimbursement limits:

$ 500 000
$ 1 000 000

Different length of coverage:

Up to 74 years old
Lifetime coverage (with ACS Health in Asia Lifetime)

Your area of coverage:

Zone 1: Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Taiwan, Vietnam, Thailand and for stays of less than 120 consecutive days in any of the countries that belong to the European Economic Area (EEA)¹
Zone 2: Same countries as Zone 1 plus the United Kingdom for stays of less than 120 consecutive

Assistance (repatriation, medical transportation…)

Civil liability

Accidental Death and Disability benefits (death benefits, disability pension…)

With ACS Health in Asia, you will also benefit from:

a reliable and efficient management of your insurance plans, result of more than 30 years of experience insuring people all over the world
a multilingual team, always ready (24/7/365) to promptly attend you in case of emergency
a direct billing for both hospitalization and outpatient expenses: no need for you to advance the medical fees
a wide network of care: 4 600 healthcare providers in South East Asia
a free choice of doctors and hospitals for your care
our commitment not to cancel your policy due to above average medical expenses, nor to raise your premium above the general annual premium increase

Other advantages:

No extra charges for monthly, quarterly ot semiannual premium payments
No bank charges for your claim reimbursements

¹Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden

Free and without obligation

The annual insurance premium is calculated on the basis of your situation and needs

The insurance annual premium is based on several criteria: age, number of people to be covered (spouse, children…), level of coverage needed, medical history, etc.

To get a personalized quote matching your needs and your situation, please click here.

How to subscribe ?

To apply for our ACS Health in Asia expatriation insurance contract, you must first download your subscription request. This is made up of two separate documents: an application form and a medical questionnaire.

Once you have completed and signed both forms, all you have to do is submit them through our secure deposit platform along with the required supporting documents.

1. Download your subscription forms
2. Complete and sign your membership form as well as your medical questionnaire
3. Submit your subscription request

Please note that the submission of the subscription request is carried out in 2 steps:

Step 1: you first submit your completed and signed application form, along with all the necessary administrative documents.

Step 2: after completing step 1, you will be able to submit the completed and signed medical questionnaire as well as any document concerning the health condition of the beneficiaries of the contract. Medical data is processed by our Medical Department, with the greatest respect for the rules of medical confidentiality.

Our Management and Medical services will study your request. They will get back to you promptly by e-mail at each stage of the processing of your application.

For any extra information about ACS World Expat Insurance, please do not hesitate to contact
Alric by email or by phone at
+33 (0)1 40 47 91 00