ACS France
Expatriate insurance solution for people living in France for more than 12 months
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, ENPExpatriate elsewhere in the world?
Discover ACS WorldMore information about the plan
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. |
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 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.
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.
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