We’ve designed the Expat Protect plans for small to mid-sized businesses (covering 3 to 100 employees), to provide affordable and locally compliant solutions for your expat employees in France, Benelux or Monaco as well as local employee travelling abroad for business.
Taking care of you and your team
Expat Protect International Healthcare Plans for France, Benelux or Monaco
We Secure your Future
- If you are looking to cover less than 3 employees, talk to our individual sales team.
- If you are looking to cover 3 to 100 employees, check our plans.
- If you are looking to cover over 100 employees, contact us to discuss tailored solutions.
The expatriate health insurance
cover includes
Doctor visits
Hospitalization
Vaccinations
Surgeries
Diagnostic tests
Prescription drugs
Cancer treatment
Option to add a repatriation plan
Health Services
included with your cover
Your employees have access to a range of services gathered in one convenient hub to help protect them from preventable health risks. Our services include Telehealth, Expat Assistance programme, Mind coaching app, Fitness coaching App, Nutrition Hub, Travel Security and more.
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Build your plan
With our international healthcare plans, you can build your plan to suit the needs of your employees and your budget.
Step 1:
Select type of cover you need:
1st Euro, CFE Top-up or French Social Security System Top-up.
1st Euro, CFE Top-up or French Social Security System Top-up.
Step 2:
Choose your Core plan.
Step 3:
Step 4:
Choose your area of cover:
Worldwide, Worldwide excluding USA (for residents of China, Hong Kong, Israel, Singapore, Switzerland, and United Kingdom) or Worldwide excluding USA (for residents of all other countries).
Worldwide, Worldwide excluding USA (for residents of China, Hong Kong, Israel, Singapore, Switzerland, and United Kingdom) or Worldwide excluding USA (for residents of all other countries).
Pack
Premium
Maximum plan benefit / Member per year:
€3,000,000
| Private room | ✓ |
In-patient/Day-care |
✓ |
Oncology |
✓ |
Nursing at home |
✓ |
Rehabilitation treatment |
✓ |
Routine Maternity and Complications of pregnancy and childbirth |
€10,000 per pregnancy |
Infertility treatment |
€12,000 per lifetime |
In-patient, day-care and out-patient treatment and personal oncology case manager services.
Pack
Comfort
Maximum plan benefit / Member per year:
€1,500,000
€1,500,000
| Semi-private Room | ✓ |
In-patient/Day-care |
✓ |
Oncology |
✓ |
Nursing at home |
€4,250 |
Rehabilitation treatmenty |
€4,250 |
Routine Maternity and Complications of pregnancy and childbirth |
€7,000 per pregnancy |
Infertility treatment |
€6,000 per lifetime |
In-patient, day-care and out-patient treatment and personal oncology case manager services.
Enhance Your Cover with Optional Plans
Choose from the following:
Out-patient plan
Elevate your healthcare experience with our out-patient plan, offering day-to-day medical cover such as GP visits, diagnostic tests, vaccinations, regular health checks and more.
Dental plan
Protect your employee’s oral health and your wallet with our reliable dental insurance plan, offering cover to dental treatments, surgeries, orthodontics and more.
Repatriation plan
If the treatment your employees need is not available locally, we'll repatriate them to your home country, so they can receive treatment close to their family and friends.
Looking for a tailored plan?
We also offer tailor-made solutions to suit groups of over 100 employees and their dependants.
Why choose us?
#1
Best in class experiences
Financially strong company with A+ Superior, A.M. Best rating. Number 1 insurance brand by Interbrand for the sixth year running.
2M+
Worldwide expertise
Growing network of over 2 million quality medical providers, settling medical bills directly with the provider for most in-patient treatments.
24/7
Support
Always on: 24/7 multilingual Helpline and Emergency Assistance Services.
48hrs
Quick and efficient
Fully completed medical claims processed within 48 hours.
Get started today
Talk to the experts! If you have any questions, or if you're not sure which plan best suits your employees, our Small and Mid-size Business Team would be delighted to guide you through your choices.
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Frequently Asked Questions
We know you might want more information about international health insurance, so we've put together a list of our most commonly asked questions right here.
I am looking for a regional health plan for a group. How many staff do I need to be considered a group?
International insurance with Group terms can be offered when there are three or more staff members. For groups wishing to get a quote for international health insurance, please contact our Sales Support Team who will be happy to provide you with a quote based on your requirements.
What is the difference between international health insurance and travel insurance?
International health insurance is a solution designed to support employees who travel abroad frequently or are abroad for long periods of time and want to be sure that they are covered for any medical needs. It is not the same as travel insurance, as it provides a more durable and comprehensive multi-country medical cover. Travel insurance is a solution which covers cancelled or delayed flights, lost items such as personal belongings and has a limited element of medical treatment.
Can I offer different level of cover within a group?
Generally, all insured members within an international healthcare group will have the same level of cover. However, for larger groups, we are able to accommodate different levels of cover through the creation of sub-groups. For further information, please contact our Sales Support Team.
In which countries do you offer group regional healthcare plans?
We offer coverage and support for most countries around the world with certain locations supported via specific regional plans. For specific group coverage queries, please contact our Sales Team, and they will be happy to assist you.
How can I get employer group health insurance?
If you want more information on international health insurance for a group or would like a quote, get in touch with us.
If my plan is a top-up to the CFE in France, how do I claim?
If your contract is a top-up to the CFE, you should submit your claim directly to the CFE for:
- all claims incurred in France and
- all ‘out-of-pocket’ medical expenses incurred outside of France.
For treatments incurred outside of France where Allianz would directly settle your medical bill with the healthcare provider (typically for in-patient treatments), we will remain your initial point of contact and will manage the communication with the CFE on your behalf.
If your contract is a top-up to a social security healthcare scheme (other than the CFE), you should submit your claim direct to your healthcare scheme first. Upon receiving a remittance slip from your scheme, you may then submit it to us as part of your claim submission.
Real stories, real people
Here’s the story behind what we do and why we do it. Our mission is to help you be well.
Awards and Recognition
ITIJ Award Winner
International Travel and Health Insurer of the Year.
EFMA & Accenture Innovation in Insurance Awards Win
EFMA & Accenture Innovation in Insurance Awards 2022.
UK Health & Protection Award Win
Best International Group Health Insurance Provider 2023.
Already a member?
Did you know that we have a support page for members with all you need to know to make the most of your cover ?
Certain services that may be included in your plan are provided by third party providers outside the Allianz Group, such as the Expat Assistance Programme, Travel Security services, Fitness Coaching App, Second Medical Opinion and tele-medicine services. If included in your plan, these services will show in your Table of Benefits. These services are made available to you subject to your acceptance of the terms and conditions of your policy and the terms and conditions of the third parties. These services may be subject to geographical restrictions. The Fitness Coaching App does not provide medical or health advice and the wellness resources contained within our Health Services are for informational purposes only. The Fitness Coaching App and the wellness resources contained within our Health Services shouldn’t be regarded as a substitute for professional advice (medical, physical or psychological). They are also not a substitute for the diagnosis, treatment, assessment or care that you may need from your own doctor. You understand and agree that AWP Health & Life acting through its Irish Branch and AWP Health & Life Services Limited and their affiliates, are not responsible or liable for any claim, loss or damage, directly or indirectly resulting from your use of any of these third-party services.