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vi top-up inSurance
to provide you with improved
levelS of cover
As an International Volunteer, you are entitled to international insurance cover for the duration of your assignment.
This insurance cover was selected by Business France via Filhet Allard & Co.
You have the option of supplementing your healthcare cover with VI top-up insurance.
Do you want to avoid having to contribute to costs if you're admitted to hospital or need to consult a doctor?
Looking for improved dental cover? More extensive optical cover?
Discover
VI top-up
, an insurance solution with higher healthcare reimbursement caps for you and your beneficiaries,
as well as a medical advisory service (only available in French).
It's
simple
: receive a single reimbursement including both the payment from the Business France compulsory
plan and the VI top-up payment.
How doeS tHe Vi top-up plan improVe my HealtHcare coVer?
Abroad:>
A better level of cover for hospital stays in a private room, up to €200>
Your first 4 consultations are covered at 100% of actual costs, uncapped>
Your dental care is covered at up to €800/year and the reimbursement cap for dentures is doubled In France:>
Your hospitalisation and routine medical and dental costs (medical and surgical fees, consultations, tests, X-rays etc.) are covered at up to 200% of the French Social Security reimbursement rate: thus doubling the level of the caps>
You also get a higher cap for denturesDetails of your cover can be found on pages 3 and 4.
A team of doctors available to take your calls 24/7 to:
>
help you understand symptoms, a diagnosis or treatment,>
give you advice before or after hospitalisation or in the event of chronic illness, maternity, etc.>
help you prepare for your trip (compulsory and recommended vaccinations),>
provide you with information on drug equivalents worldwide.Spotlight on the medical adviSory Service
(only available in French)
Some exampleS of reimburSementS
worldwide:
Emily, an International Volunteer in Brazil for the last 6 months, needs new glasses. The optician presents her with a €420 bill. The compulsory VI plan reimburses €300. The VI top-up plan reimburses €96.
➜
She has only €24 left to pay (instead of €120 if she hadn't taken out the VI top-up insurance).After three months in the United States, Thomas notices a cyst appearing on his hand and decides to consult a dermatologist. The consultation costs him €355. The compulsory VI plan reimburses €319.50.
The top-up plan covers 100% of the actual cost of the consultation, i.e. the remaining €35.50.
➜
Thomas has nothing to pay.The above amounts are converted into euros from the local currency.
No n-co nt ra ct ua l d oc um en t f or in fo rm at io na l p ur po se s on ly. P le as e re fe r t o th e In fo rm at io n le af le t V I t op -u p in su ra nc e pr ov id ed b y th e in su re r f or d et ai ls of y ou r c ov er a nd h ow it is im pl em en te d.
improved healthcare benefitS
giving you the beSt poSSible cover
COSTS INCURRED
outSide france
COSTS INCURRED
in france
MEDICAL AND SURGICAL HOSPITALISATION*
Medical and surgical fees 100% of actual costs 200% of SS reimbursement rate Medical transfer upon supporting documents 100% of actual costs 100% of SS reimbursement rate Private room 100% of actual costs, up to €200/night 100% of actual costs, up to €70/night
Double room 100% of actual costs 100% of actual costs
Daily hospital charge - 100% of actual costs
DAY HOSPITALISATION* 100% of actual costs 100% of SS reimbursement rate ROUTINE OUTPATIENT CARE
Consultations, visits to GPs and specialists **
100% of actual costs for the first 4 consultations/visits, then 200% of SS reimbursement rate Zone 1: GP max €150 Specialist max €250 Zone 2: GP max €125 Specialist max €225 Zone 3: GP max €100 Specialist max €200
Psychiatric consultations */** 100% of actual costs max 10 visits 200% of SS reimbursement rate,max 10 visits Courses of treatment from medical
auxiliaries (nursing and physiotherapy) */ ** 100% of actual costs, max €5,000/year 200% of SS reimbursement rate Diagnostic tests ** 100% of actual costs 200% of SS reimbursement rate Technical medical procedures 100% of actual costs 200% of SS reimbursement rate
X-rays 100% of actual costs 200% of SS reimbursement rate
PHARMACY ITEMS (drugs reimbursed by French Social Security)
On prescription 100% of actual costs 100% of SS reimbursement rate
Vaccinations required for the country of
assignment 100% of actual costs 100% of actual costs
Vaccinations recommended by the Pasteur
Institute 80% of actual costs 80% of actual costs
Antimalarial drugs (including Malarone) 100% of actual costs 100% of actual costs MATERNITY*
Pre and post natal visits 100% of actual costs 100% of SS reimbursement rate Childbirth 100% of actual costs,up to €5,000/delivery 200% of SS reimbursement rate
DENTAL
Dental treatment 90% of actual costs, up to €800/year 200% of SS reimbursement rate Dentures* up to €430/tooth (max 4 teeth)100% of actual costs, 400% of SS reimbursement rate MEDICAL PROSTHESES* 100% of actual costs 200% of SS reimbursement rate OPTICAL
Frame, lenses and contact lense
(including disposable lenses) for the duration of the assignment, 100% of actual costs up to €300,then 80% of actual costs between €300 and €600 MEDICAL VISIT AT START AND END OF VOLUNTEER ASSIGNMENT
Consultation/visit, dental panoramic x-ray,
chest x- ray and blood grouping 100% of actual costs 100% of actual costs less any paymentsfrom your basic scheme
** Treatments and procedures subject to p rior agreement. If prior agreement is not sought, a pena lty of 20% of the costs will be applied (limited to €5,000 for hospitalisation).
No n-co nt ra ct ua l d oc um en t f or in fo rm at io na l p ur po se s on ly. P le as e re fe r t o th e In fo rm at io n le af le t V I t op -u p in su ra nc e pr ov id ed b y th e in su re r f or d et ai ls of y ou r c ov er a nd h ow it is im pl em en te d.
** Treatments and procedures subject to p rior agreement. If prior agreement is not sought, a pena lty of 20% of the costs will be applied (limited to €5,000 for hospitalisation). ** In the case of long-term illness or accident, these treatments and procedures are covered at 100% of actual costs.
No n-co nt ra ct ua l d oc um en t f or in fo rm at io na l p ur po se s on ly. P le as e re fe r t o th e In fo rm at io n le af le t V I t op -u p in su ra nc e pr ov id ed b y th e in su re r f or d et ai ls of y ou r c ov er a nd h ow it is im pl em en te d.
improved healthcare benefitS
giving your beneficiarieS the beSt poSSible cover
COSTS INCURRED
outSide france
COSTS INCURRED
in france
MEDICAL AND SURGICAL HOSPITALISATION*
Medical and surgical fees 100% of actual costs 200% of SS reimbursement rate Medical transfer upon supporting documents 100% of actual costs 100% of SS reimbursement rate Private room 100% of actual costs, up to €200/night 100% of actual costs, up to €70/night
Double room 100% of actual costs 100% of actual costs
Daily hospital charge - 100% of actual costs
DAY HOSPITALISATION* 100% of actual costs 100% of SS reimbursement rate ROUTINE OUTPATIENT CARE
Consultations, visits to GPs and specialists**
100% of actual costs for the first 4 consultations/visits, then 200% of SS reimbursement rate Zone 1: GP max €150 Specialist max €250 Zone 2: GP max €125 Specialist max €225 Zone 3: GP max €100 Specialist max €200
Psychiatric consultations*/** 100% of actual costs max 10 visits 200% of SS reimbursement rate,max 10 visits Courses of treatment from medical
auxiliaries (nursing and physiotherapy)*/** 100% of actual costs, max €5,000/year 200% of SS reimbursement rate Diagnostic tests** 100% of actual costs 200% of SS reimbursement rate Technical medical procedures 100% of actual costs 200% of SS reimbursement rate
X-rays 100% of actual costs 200% of SS reimbursement rate
PHARMACY ITEMS (drugs reimbursed by French Social Security)
On prescription 100% of actual costs 100% of SS reimbursement rate
Vaccinations required for the country of
assignment 100% of actual costs 100% of actual costs
Vaccinations recommended by the Pasteur
Institute 80% of actual costs 80% of actual costs
Antimalarial drugs (including Malarone) 100% of actual costs 100% of actual costs MATERNITY*
Pre and post natal visits 100% of actual costs 100% of SS reimbursement rate Childbirth 100% of actual costs,up to €4,000/delivery 100% of actual costs,up to €4,000/delivery
DENTAL
Dental treatment 200% of SS reimbursement rate 200% of SS reimbursement rate Dentures* 300% of SS reimbursement rate,max 4 teeth/year 300% of SS reimbursement rate MEDICAL PROSTHESES* 100% of actual costs 200% of SS reimbursement rate OPTICAL
Frame, lenses and contact lenses
(including disposable lenses) for the duration of the assignment, 100% of actual costs up to €300,then 80% of actual costs between €300 and €600 MEDICAL VISIT AT START AND END OF VOLUNTEER ASSIGNMENT
Consultation/visit, dental panoramic x-ray,
chest x-ray and blood grouping -
You can pay your premium:
>
in full for the current year by credit or debit card or cheque when you take out the insurance,
>
monthly by direct debit from a bank account in France. The first premium must, however, be paid by credit or
debit card or cheque.
monthly premiumS 2015
(all taxes included)
The level of your premium depends on your country of assignment as well as the status of the insured person
(volunteer, spouse or child).
Premiums are valid until 31/12/2015 and may be readjusted on 1
stJanuary of each year.
Zone 1: Canada and United States.
Zone 2: China, Hong Kong, Israel, Japan, Russia, Singapore and Switzerland.
Zone 3: any country not listed under zones 1 and 2.
how to apply?
by mail
>
Fill in the
Application form
(enclosed with this brochure or downloadable from the Customer zone).
>
Send your application to: APRIL International Expat - Service V.I. Business France - 110, avenue de la République
CS 51108 - 75127 Paris Cedex 11- FRANCE.
online
>
Visit the
Customer zone
.
>
Activate your account by typing in your username (provided in your Welcome Pack) and your email address.
>
You can purchase the insurance online in just a few clicks and get your membership confirmation a few minutes
later.
ZONE 1
ZONE 2
ZONE 3
V.I. €62 €50 €40
Spouse €58 €48 €38
Child €31 €26 €20
You can take out the VI top-up insurance
only
during the first month of your assignment.
Your cover will be effective from the first day of your assignment.
april, changing
the image of inSurance
APRIL, an international insurance services group, has chosen innovation as the
key to driving its development, by seeing insurance from the customer's perspective.
Making this commitment, which means pushing boundaries and keeping things
simple, has enabled APRIL to become in under 20 years the leading wholesale broker
in France and an international authority with operations in 37 different countries.
Over 4,000 staff members insure, advise, design, manage and distribute insurance solutions
and assistance services for private individuals, professionals and businesses, amounting to some 6 million
policyholders. APRIL’s turnover in 2013 was €778.6 million.
april international, SpecialiSinG in international inSurance for 40 yearS
our promiSe
›
Top quality management of your insurance choices: 3 offices in Paris, Bangkok and Mexico
›
Multilingual teams at your service
›
Clear and easy to understand products supported by a range of services
For every expatriate situation, an international insurance solution
Whether you're a student, on an internship, planning a working holiday, in work or retired, travelling alone or with
your family, APRIL International will support you during your time abroad with a range of comprehensive and
flexible insurance solutions suitable for all kinds of expatriates and all budgets.
wor
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de
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ence
in 37
cou
ntri
eS
Headquarters:110, avenue de la République - CS 51108 - 75127 Paris Cedex 11 - FRANCE Tel.: +33 (0)1 73 02 93 93 - Fax: +33 (0)1 73 02 93 90
Email: info.expat@april-international.com - www.april-international.com
Public limited company with capital of €200,000 - Registered with Companies House in Paris under number 309 707 727
Insurance broker - Registered with ORIAS (Organisation for the registration of insurance brokers) under number 07 008 000 (www.orias.fr)
The 7thlargest insurance broking firm in France, Filhet-Allard is an independent broker whose expertise and technical skillsare recognized by insurers both in France and abroad.
Their activities are structured round five subsidiaries including Filhet-Allard & Cie, specialising in the insurance of industrial risks (damage and liability) and personal insurance (death & disability, retirement pensions and healthcare). Filhet-Allard & Co have offices in Bordeaux, Paris, Toulouse, Lyon and La Rochelle and across 60 countries through their membership of the global insurance broker network, Brokerslink.
Al l t he A PR IL In te rn at io na l E xp at tr ad em ar ks , l og os , g ra ph ics a nd c om m er cia l m at er ia l c on ta in ed in th is do cu m en t a re re gi st er ed a nd a re th e pr op er ty o f A PR IL In te rn at io na l E xp at . An y re pr od uc tio n of a ny k in d, e ith er p ar tia l o r t ot al , o f t he s ai d el em en ts a nd te xt s of a ny k in d, is p ro hi bi te d an d wi ll r es ul t i n pr os ec ut io n. F eb ru ar y 20 15 .
