ACS World 2023

Guaranteed by Allianz, this policy is designed for all persons residing outside their home country for one year or more.

Online quote

This plan covers :

  • Over 12 months
  • Worldwide (except France)
  • Expatriates of all nationalities under 65 years old

Strong points :

  • Contract covered by Allianz
  • Reimbursements possible in 100 currencies
  • Fast reimbursements in 3 days
  • Emergency service 24/7/365
  • Worldwide coverage
  • Deductible & coinsurance free plan options

Benefits designed for you

  • Medical expenses
  • Hospitalisation fees direct pay
  • Epidemics & Covid-19: medical expenses, hospitalisation and assistance covered
  • Optical
  • Dental
  • Maternity
  • Health check
  • Repatriation assistance and medical transport
  • Death benefits
  • Public liability
  • Emergency service available by phone 24/7/365 in all main languages

Who is this plan for ?

All persons residing outside their home country for one year or more. This insurance plan can be subscribed by people of all nationalities under 65 years old.

This insurance does not fit your needs ?

We have other plans for you:

Expatriate in France ?

Discover ACS France

More information about the plan

IMPORTANT: the benefits and general conditions on this page are valid for all clients and new subscribers as of the 1st of January 2023.

If you want or need access to the general terms and conditions for 2022, please contact us.

Find the right plan to suit your needs

1 Choose your plan

Health and assistance benefits
Valid for all clients as of the 1st of January, 2023

Choose your level of coverage

ACS World - Packaged Solutions

Coverage level Comfort Excellence Excellence plus
Maximum limit per beneficiary per year EUR 500 000 EUR 1 000 000 EUR 1 000 000
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
Private room 100 % of actual expenses - limited to EUR 100 / day 100 % of actual expenses - limited to EUR 150 / day 100 % of actual expenses - limited to EUR 200 / day
Organ graft 100 % of actual expenses 100 % of actual expenses 100 % of actual expenses
Psychiatry 100 % of actual expenses - limited to EUR 1 500 / year 100 % of actual expenses - limited to EUR 3 000 / year 100 % of actual expenses - limited to EUR 3 000 / year
Accompanying bed for hospitalization of a child under 16 years old 100 % of actual expenses - limited to EUR 25 / day 100 % of actual expenses - limited to EUR 50 / day 100 % of actual expenses - limited to EUR 60 / day
Outpatient consultations linked to a hospitalization / Day surgery 100 % of actual expenses 100 % of actual expenses 100 % of actual expenses
Hospitalization at home 100 % of actual expenses - limited to EUR 1 000 / year 100 % of actual expenses - limited to EUR 2 000 / year 100 % of actual expenses - limited to EUR 2 500 / year
Immediate re-education following hospitalization 100 % of actual expenses - limited to EUR 1 000 / year 100 % of actual expenses - limited to EUR 2 000 / year 100 % of actual expenses - limited to EUR 2 500 / year
Local emergency transport by ambulance 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
Emergency treatment worldwide (trip of up to seven weeks) 100 % of actual expenses 100 % of actual expenses 100 % of actual expenses
Coverage level Comfort Excellence Excellence plus
Generalist and specialist fees 80 % of actual expenses - limited to EUR 50 per session 90 % of actual expenses - limited to EUR 100 per session 100 % of actual expenses - limited to EUR 120 per session
Lab tests, radiology, scanners 80 % of actual expenses 90 % of actual expenses 100 % of actual expenses
MRI (with prior consent) 80 % of actual expenses 90 % of actual expenses 100 % of actual expenses
Prescribed medication and vaccines 80 % of actual expenses 90 % of actual expenses 100 % of actual expenses
Prescribed medical auxiliaries 80 % of actual expenses 90 % of actual expenses 100 % of actual expenses
Physiotherapy, chiropractor, osteopath, homeopath and acupuncturist (with prior consent) 80 % of actual expenses - limited to EUR 50 per session and EUR 500 / year 90 % of actual expenses - limited to EUR 50 per session and EUR 1 000 / year 100 % of actual expenses - limited to EUR 60 per session and EUR 1 200 / year
Prescribed speech therapy and orthoptics (with prior consent) 80 % of actual expenses - limited to EUR 50 per session and EUR 500 / year 90 % of actual expenses - limited to EUR 50 per session and EUR 1 000 / year 100 % of actual expenses - limited to EUR 60 per session and EUR 1 200 / year
Prescribed medical prostheses (with prior consent) 80 % of actual expenses - limited to EUR 1 000 / year 90 % of actual expenses - limited to EUR 2 000 / year 100 % of actual expenses - limited to EUR 2 500 / year
Spa treatments (with prior consent) Not covered EUR 25 / day - maximum 20 days EUR 25 / day - maximum 20 days
Coverage level Comfort Excellence Excellence plus
Prescribed spectacle lenses, frames and contact lenses 80 % of actual expenses - limited to EUR 150 / year 90 % of actual expenses - limited to EUR 300 / year 100 % of actual expenses - limited to EUR 450 / year
Coverage level Comfort Excellence Excellence plus
Maximum limit per beneficiary for 12 months of membership EUR 1 000 EUR 2 000 EUR 2 500
Dental care 80 % of actual expenses 90 % of actual expenses 100 % of actual expenses - limited to EUR 1 000 / year
Orthodontics (child under 16 and with prior consent) Not covered 90 % of actual expenses - limited to EUR 500 / year 100 % of actual expenses - limited to EUR 600 / year
Dental prostheses, including inlays, onlays, implants (with prior consent) 80 % of actual expenses - limited to EUR 150 / tooth 90 % of actual expenses - limited to EUR 300 / tooth 100 % of actual expenses - limited to EUR 500 / tooth
Coverage level Comfort Excellence Excellence plus
Childbirth expenses 100 % of actual expenses - limited to EUR 2 000 / year 100 % of actual expenses - limited to EUR 4 000 / year 100 % of actual expenses limited to EUR 5 000 / year
Coverage level Comfort Excellence Excellence plus
Complete health check cover Not covered 100 % of actual expenses - limited to EUR 300 (One every three years) 100 % of actual expenses - limited to EUR 300 (One every three years)
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 EUR 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 EUR 4 500 000
Material and consequential loss only EUR 150 000
Excess per claim EUR 150
The benefits Coverage amount Coverage amount Coverage amount
Lump sum in the case of death or total and permanent loss of autonomy* EUR 25 000 EUR 50 000 EUR 100 000
Additional lump sum in the case of accidental death or total and permanent loss of autonomy following an accident* EUR 25 000 EUR 50 000 EUR 100 000
Daily benefits - deductible: 90 or 180 days (additional to death benefits)* EUR 25 / day EUR 50 / day EUR 100 / day
Disability pension (additional to death benefits)* EUR 25 / day EUR 50 / day EUR 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.

ACS World - Custom Solution

Coverage level Module 1 (Hospitalization) Module 2 (Hospitalization + Routine Medical Expenses + Optical Coverage)
Maximum limit per beneficiary per calendar year EUR 1 000 000 EUR 1 000 000
Medical hospitalization 100 % of actual expenses 100 % of actual expenses
Surgical hospitalization 100 % of actual expenses 100 % of actual expenses
Hospitalization ancillary expenses 100 % of actual expenses 100 % of actual expenses
Private room 100 % of actual expenses - limited to EUR 150 / day 100 % of actual expenses - limited to EUR 150 / day
Organ graft 100 % of actual expenses 100 % of actual expenses
Psychiatry 100 % of actual expenses - limited to EUR 3 000 / year 100 % of actual expenses - limited to EUR 3 000 / year
Accompanying bed for hospitalization of a child under 16 years old 100 % of actual expenses - limited to EUR 50 / day 100 % of actual expenses - limited to EUR 50 / day
Outpatient consultations linked to a hospitalization / Day surgery 100 % of actual expenses 100 % of actual expenses
Domiciliary hospitalization 100 % of actual expenses - limited to EUR 2 000 / year 100 % of actual expenses - limited to EUR 2 000 / year
Immediate re-education following hospitalization 100 % of actual expenses - limited to EUR 2 000 / year 100 % of actual expenses - limited to EUR 2 000 / year
Local emergency transport by ambulance 100 % of actual expenses 100 % of actual expenses
Emergency dental plastic surgery following an accident 100 % of actual expenses 100 % of actual expenses
Emergency treatment worldwide (trip of up to seven weeks) 100 % of actual expenses 100 % of actual expenses
Coverage level Module 1 (Hospitalization) Module 2 (Hospitalization + Routine Medical Expenses + Optical Coverage)
Generalist and specialist fees Not covered 90 % of actual expenses - limited to EUR 100
Lab tests, radiology, scanners Not covered 90 % of actual expenses
MRI (with prior consent) Not covered 90 % of actual expenses
Prescribed medication and vaccines Not covered 90 % of actual expenses
Prescribed medical auxiliaries Not covered 90 % of actual expenses
Physiotherapy, chiropractor, osteopath, homeopath and acupuncturist (with prior consent) Not covered 90 % of actual expenses - limited to EUR 50 per session and EUR 1 000 / year
Prescribed speech therapy and orthoptics (with prior consent) Not covered 90 % of actual expenses - limited to EUR 50 per session and EUR 1 000 / year
Prescribed medical prostheses (with prior consent) Not covered 90 % of actual expenses - limited to EUR 2 000 / year
Spa treatments (with prior consent) Not covered EUR 25 / day - maximum 20 days
Coverage level Module 1 (Hospitalization) Module 2 (Hospitalization + Routine Medical Expenses + Optical Coverage)
Prescribed spectacle lenses, frames and contact lenses Not covered 90 % of actual expenses - limited to EUR 300 / 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 EUR 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 EUR 4 500 000
Material and consequential loss only EUR 150 000
Excess per claim EUR 150
The benefits Coverage amount Coverage amount Coverage amount
Lump sum in the case of death or total and permanent loss of autonomy* EUR 25 000 EUR 50 000 EUR 100 000
Additional lump sum in the case of accidental death or total and permanent loss of autonomy following an accident* EUR 25 000 EUR 50 000 EUR 100 000
Daily benefits - deductible: 90 or 180 days (additional to death benefits)* EUR 25 / day EUR 50 / day EUR 100 / day
Disability pension (additional to death benefits)* EUR 25 / day EUR 50 / day EUR 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.
Online quote

A comprehensive expatriate insurance

Some features and benefits

  • 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.
  • No extra charges for monthly, quarterly and semiannual premium payments.
  • Actual expense reimbursements with no bank fees.
  • Real time access to your reimbursement status and balance through the Internet.
  • 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, they will make the necessary arrangements for you to be transferred to the best adapted medical center.
  • If needed, they supervise and organize your repatriation to your home country by the most appropriate mean.

The main characteristics of ACS AMI

Beneficiaries

ACS World Expatriate Health Insurance can be subscribed by anyone under 65 years of age residing outside his/her country of origin and belonging to 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 on the first day of the month following receipt of the enrolment application accompanied by the first payment. Approval is subject to the acceptance of the medical questionnaire sent with the application form.

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

Waiting period

Certain treatments are refunded after a waiting period

  • Dental implants: 6 months
  • Optical: 6 months
  • Water cure: 6 months

These waiting periods do not apply if you can provide the proof of an equivalent cover prior (not older than 30 days) to your subscription to AMI Expatriate Health Insurance.

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, quarterly or monthly in advance by cheque, wire transfer or direct debit to your 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.

How to subscribe ?

To apply for our ACS World 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 100 000 clients all over the world.

ACS counts around 40 employees and figure prominently among the insurance brokers specialized in international mobility, thanks to its 40 years of experience and its more than 100 000 clients all over the world.

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 :

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