AMI

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

This plan covers :

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

Our assets :

  • 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

Who is this plan for ?

This insurance does not fit your needs ?

We have other plans for you:

Expatriate in France ?

Discover ACS in France

More information about the plan

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

Find the right plan to suit your needs

1 Choose your plan

Health and assistance benefits

Choose your level of coverage

AMI - Packaged Solutions

Coverage level Comfort Excellence Excellence plus
Maximum limit per beneficiary per year EUR 250 000 EUR 500 000 EUR 500 000
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 50 / day 100 % of actual expenses - limited to 100 EUR /day 100 % of actual expenses - limited to EUR 150 /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 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
Analyses, 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)
Returning the Insured to the country of expatriation after "consolidation" Ticket (one way only)
Early return Ticket (round trip)
The benefits Coverage amount
Physical injury, material or consequential loss EUR 4 500 000
Material and consequential loss only EUR 1 500 00
Excess per claim EUR 150
The benefits Coverage amount Coverage amount Coverage amount
Lump sums 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 sums 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.

AMI - Custom Solution

Coverage level Module 1 (Hospitalization) Module 2 (Hospitalization + Routine Medical Expenses + Optical Coverage)
Maximum limit per beneficiary per calendar year EUR 500 000 EUR 500 000
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 100 / day 100 % of actual expenses - limited to EUR 100 / 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 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 / an 100 % of actual expenses - limited to EUR 2 000 / an
Immediate re-education following hospitalization 100 % of actual expenses - limited to EUR 2 000 / an 100 % of actual expenses - limited to EUR 2 000 / an
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
Analyses, 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)
Returning the Insured to the country of expatriation after "consolidation" Ticket (one way only)
Early return Ticket (round trip)
The benefits Coverage amount
Physical injury, material or consequential loss EUR 4 500 000
Material and consequential loss only EUR 1 500 00
Excess per claim EUR 150
The benefits Coverage amount Coverage amount Coverage amount
Lump sums 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 sums 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 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

AMI Expatriate Health Insurance can be subscribed by anyone under 65 years of age residing outside his/her country of origin and belonging to 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 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.

 

How to subscribe ?

The annual insurance premium is calculated based on your situation and needs. Get a personalized quote online in a few minutes.

To subscribe your expatriate health insurance:

1 – Download the application form and the medical questionnaire.

2 – Fill out the documents.

3 – Send the documents:

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 an specific time of the day, please let us know when sending in your information.

 

For any extra information about AMI Expat Insurance, please do not hesitate to contact
Leslie by email or by phone:

+33 (1) 8425 10 72

ACS

30 years experience and more than 70 000 clients all over the world.

ACS counts around 40 employees and figure prominently among the insurance brokers specialized in international mobility, thanks to its 30 year experience and its 70 000 clients all over the world.

Our address

153, rue de l’Université, 75007 PARIS, FRANCE
Phone number : +33 (0) 1 40 47 91 00 – Fax : +33 (0) 1 40 47 61 90

Email :