$500,000 or $1,000,000 USD Healthcare coverage

The ACS Expatriate Health Insurance cover provides expatriates with the peace of mind whilst living in a foreign country, choose from cover for inpatient treatment or both inpatient and outpatient treatment.

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Short presentation on this Health Insurance Policy

Health Insurance Benefits

Level of coverage

Module 1

In Patient (IPD)

Module 2

In Patient plus Out Patient (IPD + OPD)
Hospitalization (with prior consent)
Maximum limit per beneficiary per year 500,000 & 1,000,000 USD 500,000 & 1,000,000 USD
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 expensesmax. 250 US Dollars / day 100 % of actual expensesmax. 250 US Dollars / day
Organ graft 100 % of actual expenses 100 % of actual expenses
Psychiatry 100 % of actual expenseslimited to 1 500 US Dollars / year 100 % of actual expenseslimited to 3 000 US Dollars / year
Accompanying bed for hospitalization of a child under 16 years 100 % of actual expenseslimited to 25 US Dollars / year 100 % of actual expenseslimited to 50 US Dollars / an
Other coverage
Outpatient consultations linked to a hospitalization / Day surgery 100 % of actual expenses 100 % of actual expenses
Domiciliary hospitalization 100 % of actual expenseslimited to 1 000 US Dollars / year 100 % of actual expenseslimited to 2 000 US Dollars / year
Immediate re-education following hospitalization 100 % of actual expenseslimited to 1,000 US Dollars / year 100 % of actual expenseslimited to 2,000 US Dollars / year
Local emergency transport by ambulance 100 % of actual expenses 100 % of actual expenses
Emergency dental treatment 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
Routine medical expenses
Maximum limit by beneficiary per calendar year non covered 6,000 USD
Generalist and specialist fees non covered 100 % of actual expenses
Analyses, radiology, scans non covered 100 % of actual expenses
MRI (with prior consent) non covered 100 % of actual expenses
Prescribed medication and vaccines non covered 100 % of actual expenses
Prescribed medical auxiliaries non covered 100 % of actual expenses
Physiotherapy, chiropractor, osteopath, homeopath and acupuncturist (with prior consent) non covered 100 % of actual expenses, limited to 50 US Dollars per session and 1,000 US Dollars / year
Prescribed speech therapy and orthoptics (with prior consent) non covered 100 % of actual expenses, limited to 50 US Dollars per session and 1,000 US Dollars / year
Prescribed medical prostheses (with prior consent) non covered 100 % of actual expenses limited to 2 000 US Dollars / year
Spa treatments (with prior consent) non covered 25 US Dollars / day maximum 20 days
Optical
Prescribed spectacle lenses, frames and contact lenses non covered 90 % of actual expenses limited to 150 US Dollars / year
Dental
Maximum limit per beneficiary for 12 months of membership non covered 1 000 US Dollars
Dental care non covered 90 % of actual expenses
Orthodontics(child under 16 and with prior consent) non covered non covered
Dental prostheses, including inlays, onlays, implants(with prior consent) non covered 90 % of actual expenses limited to 150 US Dollars / tooth (max. 4 teeth)
Maternity (with prior consent)
Childbirth expenses non covered 100 % of actual expenseslimited to 4,000 US Dollars / year
Health check
Complete health check cover non covered 100 % of actual expenses, limited to 300 US Dollars (1 every 3 years)

Life Insurance benefits

Death benefits (additional to the health scheme)
Sum insured
Lump sums in the case of death or total and permanent loss of autonomy 25 000 USD 50 000 USD 100 000 USD
Additional lump sum in the case of accidental death or total and permanent loss of autonomy following an accident 25 000 USD 50 000 USD 100 000 USD

Daily benefits / Disability pension (additional to death benefits)

Daily benefits (deductible: 90 or 180 days) Disability pension 25 USD/ day 50 USD/ day 100 USD/ 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.

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Optional coverage

Repatriation assistance

Coverage amount
Repatriation or medical transport Actual expenses

Transport of the body in the event of death

Repatriation of the body Actual expenses
Funeral expenses requiring transport 1,500 USD
Repatriation of other family members Ticket (one way only)
Returning the Insured to the country of expatriation after “consolidation” Ticket (one way only)

Public liability

Physical injury, material or consequential loss 4,500,000 USD
Material and consequential loss only 150,000 USD
Excess per claim 150 USD

Healthcare coverage premiums for $500,000 USD Cover

Contact us for $1,000,000 USD coverage, the prices are not as much as you would expect.

Module 1 In Patient (IPD) Module 2In Patient plus Out Patient (IPD + OPD)
21 – 25 years old $ 464 $ 1,149
26 – 30 years old $ 507 $ 1,220
31 – 35 years old $ 589 $ 1,535
36 – 40 years old $ 655 $ 1,713
41 – 45 years old $ 732 $ 1,837
46 – 50 years old $ 812 $ 2,118
51 – 55 years old $ 1,297 $ 3,389
56 – 60 years old $ 1,459 $ 3,812
61 – 65 years old $ 1,541 $ 4,024
66 – 70 years old $ 1,696 $ 4,427
71 – 75 years old $ 1,949 $ 5,091
1 child < 20 years old $ 231 $ 1,027
2 and more children (<20 years old) $ 347 $ 1,541

Life coverage premiums

Death
Death benefits $ 25 000 $ 50 000 $ 100 000
21 – 25 years old $ 64 $ 128 $ 255
26 – 30 years old $ 65 $ 130 $ 258
31 – 35 years old $ 72 $ 144 $ 2863
36 – 40 years old $ 85 $ 171 $ 341
41 – 45 years old $ 112 $ 225 $ 450
46 – 50 years old $ 170 $ 340 $ 680
51 – 55 years old $ 246 $ 492 $ 984
56 – 60 years old $ 385 $ 770 $ 1539
61 – 65 years old $ 619 $ 1239 $ 2478


Incapacity – Disability Scheme
Daily benefits/Disability pension $ 25 / day $ 50 / day $ 100 / day
Excess period 90 days 180 days 90 days 180 days 90 days 180 days
21 – 25 years old $ 86 $ 75 $ 172 $ 151 $ 345 $ 301
26 – 30 years old $ 86 $ 75 $ 172 $ 151 $ 345 $ 301
31 – 35 years old $ 93 $ 82 $ 186 $ 163 $ 373 $ 326
36 – 40 years old $ 122 $ 106 $ 241 $ 214 $ 488 $ 426
41 – 45 years old $ 158 $ 138 $ 312 $ 276 $ 631 $ 551
46 – 50 years old $ 201 $ 175 $ 397 $ 351 $ 804 $ 702
51 – 55 years old $ 230 $ 200 $ 454 $ 402 $ 919 $ 802
56 – 60 years old $ 244 $ 214 $ 482 $ 426 $ 976 $ 853
61 – 65 years old $ 258 $ 226 $ 511 $ 451 $ 1034 $ 903

Optional coverage premiums (per year in US dollars)

Assistance Public liability
Per person $ 132 $ 51
Per family $ 364 $ 137

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