Do you live in France, Benelux or Monaco or have plans to move there? Do you travel frequently, either alone or with your family? If so, we can make life a little easier for you. Our expat health insurance plans were designed for people like you, giving you the confidence that comes with knowing that you and your family are covered for medical expenses at home and abroad.
Expat Protect plans for you and your family
International Health Insurance
for France, Benelux and Monaco
Making access to medical insurance for France, Benelux or Monaco simpler, easier and safer
If you’re part of the caisse primaire d’assurance maladie (the French statutory health insurance scheme), our Expat Protect plans top-up your cover, bridging the gap between state and private insurance. If you’re not part of the scheme, you can rest easy, knowing that you have comprehensive private health insurance to protect you and your loved ones.
View our guides on healthcare in:
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
You have access to a range of services gathered in one convenient hub to help protect you and your family 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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Expat Protect plans at a glance
With our international health insurance plans, you can build your plan to suit the needs of your employees and your budget.
Pack
Premium
Max. Plan Limit:
€3,000,000
€3,000,000
| Private Room | ✓ |
In-patient / Day-care |
✓ |
Prescribed drugs / Over-the-counter drugs |
€50 |
Nursing at home or in a convalescent home |
✓ |
Rehabilitation treatment |
✓ |
| Maternity | €10,000 per pregnancy |
Pack
Confort
Max. Plan Limit:
€1,500,000
| Semi-private Room | ✓ |
In-patient / Day-care |
✓ |
Prescribed drugs / Over-the-counter drugs |
X |
Nursing at home or in a convalescent home |
€4,250 |
Rehabilitation treatment |
€4,250 |
| Maternity | €7,000 per pregnancy |
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, Specialist fees, diagnostic tests, vaccinations, health checks and more.
Dental plan
Protect your 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 you need is not available locally, we'll repatriate you to your home country, so you can receive treatment close to family and friends.
Ready to get your cover?
If you have a question, would like to learn more, or if you just want to chat through your options, our International Health team are here to help. Call us on +353 1 514 8480 or email us.
Why choose us as your trusted health insurer?
#1
Best in class experiences
Financially strong company with A+ Superior, A.M. Best rating. Number 1 insurance brand by Interbrand for the fifth 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
Looking for a different solution?
Frequently Asked Questions
Get answers to your questions quickly and easily with our handy FAQs.
What is a geographical area of cover?
This is the geographical territory where your cover is valid. We offer multiple geographical area of cover options – please check your Insurance Certificate to confirm which one applies to you.
For example, if your area of cover is “Worldwide”, this means that your cover will be valid everywhere in the world. If your area of cover is “Africa”, then your cover will be valid everywhere in Africa
*Our policies don’t provide any cover or benefit for any business or activity to the extent that either the cover or benefit or the underlying business or activity would violate any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations. The areas of cover are subject to your policy terms and conditions.
What do you mean by emergency cover outside the chosen region of cover?
This means that we will cover you on an emergency basis if you are on a short term visit outside your region of cover. For example, if you are on holiday in the USA, but have purchased a Worldwide Excluding USA plan - There is cover for emergencies in the USA for a maximum of 42 days (for trips of a maximum period of six weeks – unlimited number of trips). Please see our Benefit Guide for general terms & conditions.
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.
Once the CFE has processed your contribution to the claim, Allianz will be promptly notified. A claim will be automatically generated in our system for your convenience, eliminating the need for you to contact us.
Upon receipt of all necessary information, we will process your claim and issue payment instructions to your bank within five working days.
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.
My Expat Life
Everything you need to know before you go and when you get there.
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.