Expat health insurance solution for people living in Europe for more than 12 months

Comprehensive and flexible expatriate health insurance

This insurance contract offers you different levels of coverage in order to best match your protection needs and budget.

ACS Europe is designed for expatriates of any nationality up to 70 years old living in EEA* countries or in the United Kingdom for more than 12 months.

*EEA countries: Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden.

IMPORTANT

• If you are going to be living in France, please check our ACS France expatriate health insurance solution
• Subscribing to ACS EUROPE expat insurance does not exempt you from adhering to the local Social Security schemes when mandatory

Main Characteristics

• A reliable and efficient management of your insurance contract, result of ACS’ more than 30 years of experience insuring expatriates all over the World.
• In the case of hospitalization, ACS directly undertakes your hospital medical expenses for you to avoid paying out from your own pocket sums that can be important.
• Cover of dental and optical care.
• Deductible and coinsurance free plan options.
• Fast reimbursements in more than 100 different currencies.
• Real time access to your reimbursement status and balance through the Internet.

ACS advantages

• No additional fees in case of split payments of the annual premium
• No bank fees when reimbursing medical expenses by bank transfer
• Once accepted, ACS commits not to cancel your policy due to above average medical expenses, nor to raise your fee above the general annual premium increase.

ACS Emergency Service

• Our emergency service is at your disposal by phone 24/7/365 in all main languages.
• If your health condition requires it, we will make the necessary arrangements for you to be transferred to the best adapted medical center.
• If needed, we supervise and organize your repatriation to your home country by the most appropriate mean (if option selected).

Practical Information

• Beneficiaries

ACS Europe Expatriate Health Insurance can be subscribed by anyone under 65 years of age residing outside his/her country of origin and being member of the Globe Partner Association*.

• Territoriality

You are covered in the geographic zone you chose for your expatriation. For countries outside the chosen geographic area, medical costs are only refundable if they have been incurred during a stay of less than 7 weeks and stem from an accident or an illness for which treatment was urgent.

• Effective date

The covers take effect following receipt of the enrolment application accompanied by the first payment. Acceptance is subject to the approval of the medical questionnaire sent with the application form.

The contract is then renewed automatically on January 1st of each year.

• Waiting period

The following treatments are refunded after a waiting period:

– Dental prosthetics: 6 months
– Optical: 6 months

• Premiums

They depend on the insurance plan, the chosen area of expatriation and your age, i.e., the age reached during the calendar year (e.g. a person born in 1980 who enrolled in 2010 = 30 years whatever the month of enrolment).

The premiums change once a year, on January 1st, according to your age and changes in the general medical consumption index.

Premiums can be paid annually, semiannually or quarterly in advance by cheque, wire transfer, direct debit or credit card. Monthly payments are also possible when premiums are paid by direct debit or credit card.

* In order to benefit from this contract, you need to subscribe to the Globe Partner Association. The subscription fee is of 20 € per contract and per year.

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.

To apply for our ACS Europe 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.