ACS Health in Asia

Expatriate health insurance designed for expats living in South East Asia

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

Who is this plan for ?

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

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.

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:

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

    Merci de nous avoir contacté ! Nous vous répondrons dans les plus brefs délais.

    ACS

    40 years of experience and more than 200 000 clients all over the world.

    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

    Email :