ACS France

Expatriate insurance solution for people living in France for more than 12 months

Online quote

This plan covers :

Over 12 months
France
Expatriate of all nationalities up to 70 years old*

Strong points :

Contract covered by MGEN & Allianz
Comprehensive coverage
Deductible free plans
Excellent quality-price ratio
Fast reimbursements
Benefits tailored for expatriates in France

Benefits designed for you

4 different levels of coverage
Medical expenses
Hospitalization fees directly undertaken by us
Optical
Maternity
Health check-ups
Repatriation assistance and medical transport
Public liability
Life and death benefits
Emergency service available by phone 24/7/365 in all main languages
Coverage valid in France and in the European Economic Area (except in the UK)
Worldwide coverage for emergency and urgent care during temporary stays

Who is this plan for ?

For expatriates residing in France for one year or more. This expat health insurance offers different levels of coverage and the benefits are tailored to the needs of expatriates in France.

*This plan can be subscribed by people of all nationalities under 65 years old and coverage can be extended up to the 70th birthday of the Insured.

This insurance does not fit your needs ?

We have other plans for you:

Staying less than 12 months in France ?

Discover E, F, ENP

Expatriate elsewhere in the world?

Discover ACS World

More information about the plan

HEALTH INSURANCE INFORMATION LEAFLET ACS FRANCE (PDF) ACCIDENTAL DEATH & DISABILITY INFORMATION LEAFLET ACS FRANCE (PDF) ASSISTANCE & CIVIL LIABILITY INFORMATION LEAFLET ACS FRANCE (PDF)

No extra charges for monthly, quarterly and semiannual premium payments.
Actual expense reimbursements with no bank fees.

Health, assistance, civil liability and death benefits

Level of cover	*	**	*******	********
Maximum limit per beneficiary per calendar year	€ 500 000	€ 1 000 000	€ 1 500 000	€ 2 000 000

Level of cover	*	**	*******	********
Medical hospitalisation	100% of actual expenses	100% of actual expenses	100% of actual expenses	100% of actual expenses
Inpatient medical treatment	100% of actual expenses	100% of actual expenses	100% of actual expenses	100% of actual expenses
Daily hospital fee	100% of actual expenses	100% of actual expenses	100% of actual expenses	100% of actual expenses
Psychiatry	Not covered	Not covered	100% of actual expenses - max. €3 000 / year	100% of actual expenses - max. € 5 000/ year
Additional fee for Private Room (standard category only)	€ 50 /day max 21 days / hospitalisation	€ 75 / day max 21 jours / hospitalisation	€ 100 / day max 21 days / hospitalization	€ 150 / day max 21 days / hospitalization
Accompanying bed for hospitalization of a child under 16 years old	€25 /day max 21 days / hospitalization	€ 35 / day max 21 days / hospitalization	€ 45 / day max 21 days / hospitalization	€ 60 /day max 21 days / hospitalization
Local transportation by ambulance (medically justified)	100% of actual expenses	100% of actual expenses	100% of actual expenses	100% of actual expenses
Emergency dental plastic surgery following an accident occurred during the insurance period	100% of actual expenses	100% of actual expenses	100% of actual expenses	100% of actual expenses
Outpatient care before and following hospitalization (up to 30 days before and 90 days following hospitalization)	100% of actual expenses - limited to € 1000/year	Included in « Routine medical expenses » below	Included in « Routine medical expenses » below	Included in « Routine medical expenses » below
Childbirth (including private room)	Not covered	Not covered	100% of actual expenses - max € 4 000 / year	100% of actual expenses - max € 6 000 / year
Medically assisted procreation	Not covered	Not covered	Not covered	100% of actual expenses - max. € 300 / attempt (3 attempts lifetime max.)

Level of cover	*	**	*******	********
Physician fees and home visits (excluding dentists)	Not covered	90% of actual expenses - max € 40 for a generalist / max € 60 for a specialist	100% of actual expenses - max € 60 for a generalist / max € 90 for a specialist	100% actual expenses - max € 100 for a generalist / max € 150 for a specialist
Paramedical fees (nurses, physiotherapists, speech therapists, orthoptists, podiatrists)	Not covered	90% of actual expenses	100% of actual expenses	100% of actual expenses
Lab tests	Not covered	90% of actual expenses	100% of actual expenses	100% of actual expenses
MRI (X-rays, medical imaging)	Not covered	90% of actual expenses	100% of actual expenses	100% of actual expenses
Prescription drugs	Not covered	90% of actual expenses	100% of actual expenses	100% of actual expenses
Alternative medicine (acupuncture, chiropractic, homeopathy, psychotherapy)	Not covered	Not covered	100 % of actual expenses - max € 30 per session - max 5 sessions / year	100 % of actual expenses - max € 50 per session - max 10 sessions / year
Other prostheses (Prosthetic appliances, Artificial Limbs and Hearing Aids)	Not covered	90 % of actual expenses - max. € 300 / year	100% of actual expenses - max. € 600 / year	100 % of actual expenses - max. € 1 000 / year

Level of cover	*	**	*******	********
Inoculations, antimalarial and preventive prescription drugs (if mandatory or recommended)	Not covered	Not covered	100% of actual expenses	100% of actual expenses
Complete health check-ups (pre-expatriation check-up included)	Not covered	Not covered	Not covered	100 % of actual expenses -max. € 300 / year (1 check-up every 3 years)

Level of cover	*	**	*******	********
Eyeglass lenses, Frames, Contact lenses (including disposal lenses if medically prescribed)	Not covered	Not covered	100% of actual expenses - max. € 300 / year	100 % of actual expenses - max. € 500 / year
Laser eye surgery (myopia, hypermetropia and astigmatism correction)	Not covered	Not covered	Not covered	100 % of actual expenses - max. € 300 / year

Level of cover	*	**	*******	********
Dentist fees & dental care (preventive and surgical treatment, including gingivectomy)	Not covered	Not covered	100% of actual expenses	100% of actual expenses
Dental prosthesis	Not covered	Not covered	100 % of actual expenses - max. € 400 / tooth and max. 3 teeth/ year	100 % of actual expenses - max. €500 / tooth and max. 4 teeth / year
Dental implants	Not covered	Not covered	Not covered	100 % of actual expenses - max. €500 / tooth and max. 4 teeth / year
Orthodontics (If treatment started before 16 years old)	Not covered	Not covered	100 % of actual expenses -max. € 800 / year	100 % of actual expenses - max. € 1 200 / year

The benefits	Coverage amount
Repatriation assistance or medical transport	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)

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

The benefits	Coverage amount	Coverage amount	Coverage amount
Lump sum 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 - deductible: 90 or 180 days	€ 25 / day	€ 50 / day	€ 100 / day
Disability pension	€ 25 / day	€ 50 / day	€ 100 / day

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 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.

Download ACS France benefits table in PDF format

Online quote

A comprehensive insurance for expatriates in France

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 France is designed for expatriates of any nationality up to 70 years old living in France for more than 12 months.

IMPORTANT: subscribing to ACS France expat insurance does not exempt you from adhering to the French Social Security 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 France 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 International Mobility 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.

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 your expatriate health insurance

The annual insurance premium is calculated based on your situation and needs

Instructions to subscribe:

1 – Download the application form and the medical questionnaire.

2 – Fill out both documents.

3 – Send the documents:

by fax to +33 (1) 40 47 61 90
or by email to contact@acs-ami.com
or by postal mail to :

ACS
153, rue de l’Université
75007 Paris
France

4 – As soon as we receive your documents, one of our specialized consultants will get back to you to confirm your data and validate your subscription.

Note: if you prefer to be contacted at a specific time of the day, please let us know when sending in your information.