[ LA MOBILITÉ ] INDIVIDUALS APRIL Social Security top-up insurance for expatriates in France Benefits and premiums 2013 Find out why expatriates living in France choose an APRIL International Expat insurance policy! Watch the video: APRIL International supports the Foundation for Nature and Mankind and Handicap International Follow us on Facebook and Twitter! www.facebook.com/aprilexpat www.twitter.com/aprilexpat Printed on recycled paper th French Broking 9 Awards Healthcare Winner 2011 international Changing the image of insurance.
[ APRIL SOCIAL SECURITY TOP-UP INSURANCE FOR EXPATRIATES IN FRANCE] Comprehensive insurance for expatriates living in France and covered by French Social Security This policy is an insurance solution designed for expatriates of any nationality, living in France and covered by a French Social Security statutory scheme (general scheme, self-employed scheme, agricultural scheme or special scheme). The policy provides comprehensive cover: medical expenses, repatriation and legal assistance, death/loss of autonomy and income protection benefit. Comprehensive cover in France and the rest of the world Medical bills to pay in France or abroad? APRIL Social Security top-up insurance for expatriates in France insures you for regular or unexpected medical expenses with 4 levels of cover to choose from: - as a top-up to any Social Security scheme for treatment dispensed in France, for a year at a time, at up to 400% of the Social Security reimbursement rate, - from the 1 st euro for treatment received during short stays in the rest of the world (holidays, return trips to your country of nationality, etc.), with hospitalisation covered at 100% of actual costs. In need of assistance? In the event of an accident or illness, APRIL International will organise your medical repatriation at any time of the day or night to your home or to the most suitable hospital and will cover travel and accommodation costs allowing a relative to visit you. You also have access to translation and legal support services available in French, English and Spanish to help with administrative formalities and paperwork. Looking for death and disability cover? You are free to choose any amount of death/loss of autonomy and income protection. Reliable cover and services Life-time medical cover: you are covered for as long as you want and your premiums will not increase in line with your level of expenditure Medical insurance valid abroad for unexpected or scheduled healthcare needs Third party payment card valid in France for medicines, diagnostic tests, radiology, etc. Payment facilities with the option of annual, twice-yearly, quarterly or monthly payment solutions at no additional cost APRIL INTERNATIONAL WILL REIMBURSE YOU WITHIN 48 HOURS Our multilingual teams at your service: by telephone: +33 (0)1 73 02 93 93 Monday to Thursday from 8.30 am to 6 pm (8.30 am to 5.30 pm on Friday) - Paris time by email: info.expat@april-international.com at our offices: 110, avenue de la République 75011 Paris - FRANCE 2
Fully flexible cover valid for a year at a time in France and during short trips worldwide Medical expenses A choice of 4 levels of cover with: In France In the rest of the world French Social Security top-up cover Third party payment card for routine expenses (medicines, tests, radiology, etc.) Direct payment of your hospital charges 24/7 Cover from the 1 st euro spent for routine or unexpected medical expenses Hospitalisation covered at 100% of actual costs Direct payment of hospital charges 24/7 Repatriation and legal assistance Extensive repatriation assistance Assistance at home Legal assistance Death and loss of autonomy Choose a lump sum of between 20,000 and 400,000 Income protection Choose a daily income protection benefit between 20 and 200 3
[ APRIL SOCIAL SECURITY TOP-UP INSURANCE FOR EXPATRIATES IN FRANCE] Healthcare top-up in France and from the 1 st euro in the rest of the world Social Security does not fully reimburse your medical expenses in France. Top-up health insurance covers the difference between the cost of treatment dispensed by healthcare professionals and the part reimbursed by Social Security. Take a look at the 1 st insurance policy to provide cover specially designed for expatriates in France with: EXCLUSIVE TO APRIL INTERNATIONAL life-time medical insurance including cover: - in France for a year at a time as a top-up to any French Social Security statutory scheme, - in the rest of the world during short stays (including your country of nationality) from the 1 st euro, a team of multilingual advisors and claims representatives at your disposal, top-up or 1 st euro reimbursements processed within 48 hours, direct payment of hospital charges in France and abroad 24/7, repatriation assistance valid during short trips abroad, assistance in the event of damage to your home in France, translation and legal support services to help with administrative formalities and paperwork, cover in the event of death or sick leave. Innovative healthcare cover for all the family To provide real peace of mind for all your family, the policy also includes services which are by French Social Security: Alternative medicine: fees and treatment by an osteopath, acupuncturist, chiropodist, podiatrist, homoeopath or chiropractor up to 40/session Self-prescribed treatment: medicines purchased without a prescription are reimbursed up to 30/year Vaccines by Social security: with the reimbursement of vaccinations recommended for foreign travel as well as flu and gastroenteritis vaccines up to 30/year Smoking cessation support: with an additional top-up to the Social Security reimbursement of up to 30/year 4
Personal healthcare cover to suit your needs and your budget MINI MEDIUM GLOBAL PREMIER Hospitalisation HH Hospitalisation HH Hospitalisation H Hospitalisation Routine healthcare Routine healthcare HH Routine healthcare H Routine healthcare Optical Optical Optical H Optical Dental Dental Dental H Dental Compare reimbursement levels under each option COMPARE COVER MINI MEDIUM GLOBAL PREMIER HOSPITALISATION You have an operation to remove your appendix private room, up to 25/day private room, up to 35/day private room, up to 45/day private room, up to 60 /day You see a sector 1 GP up to 23/consultation up to 46/consultation up to 69/consultation ROUTINE HEALTHCARE You consult a sector 2 GP You buy a box of Paracétamol 500 mg at the pharmacy up to 23/consultation 1.80/box prescribed up to 46/consultation 1.80/box prescribed up to 69/consultation 1.80/box prescribed You consult an osteopath up to 25/session (maximum 2 sessions) up to 35/session (maximum 2 sessions) up to 40/session (maximum 3 sessions) OPTICAL You buy a pair of glasses up to 200/year up to 300/year DENTAL Your child starts orthodontic treatment up to 387/half year (including Social Security payment) up to 580.50/half year (including Social Security payment) 5
DIRECT PAYMENT OF HOSPITAL CHARGES [ APRIL SOCIAL SECURITY TOP-UP INSURANCE FOR EXPATRIATES IN FRANCE] Benefits comprehensive cover tailored to each expatriate profile in France 1 Medical expenses HEALTHCARE IN FRANCE The level of cover shown includes the French Social Security reimbursement per insured. Our benefits are designed to top up the payments from your statutory scheme (unless otherwise stated in the benefits schedule), with no overall upper limits. HOSPITALISATION (excluding outpatient care - see routine healthcare) OPTIONS MINI MEDIUM GLOBAL PREMIER Surgical or medical hospitalisation : fees and treatment Day hospitalisation : fees and treatment 200% BRSS 200% BRSS 300% BRSS 400% BRSS Living expenses Direct payment of hospital charges provided on request 24 hours a day, if prior agreement has been obtained provided on request 24 hours a day, if prior agreement has been obtained provided on request 24 hours a day, if prior agreement has been obtained provided on request 24 hours a day, if prior agreement has been obtained Daily hospital charge 100% of actual costs 100% of actual costs 100% of actual costs 100% of actual costs Private room up to 25/day up to 35/day up to 45/day up to 60/day Home care 200% BRSS 200% BRSS 300% BRSS 400% BRSS Parent accommodation (if child is under 16) up to 15/day up to 15/day up to 25/day up to 35/day Transport costs 100% BRSS 100% BRSS 100% BRSS 100% BRSS DEFINITIONS Actual costs: total medical expenses charged to you. BRSS (Base de Remboursement de la Sécurité Sociale): rate of reimbursement used by French Social Security for treatment or prescriptions delivered by healthcare professionals. Daily hospital charge: the part of the daily cost of a stay in hospital that is by French Social Security. Day hospitalisation: hospitalisation of less than 24 hours where you are allocated a bed but do not stay overnight. Direct payment of hospital charges: under all medical expenses options, if you are hospitalised in France (for more than 24 hours or day hospitalisation) you may be eligible for the direct payment of hospital charges in respect of the statutory scheme top-up cover, with no up front payment by you.an advance payment of expenses is also made in the event of childbirth. This service is also available for hospital charges incurred outside France from the 1 st euro spent. D.R.O.M. (French Overseas Departments and Regions):French Guyana, Guadeloupe, Martinique and Reunion Island. Excess: sum for which you are responsible in the settlement of a claim. Hospitalisation: stay of more than 24 hours (with or without surgery) in a public or private hospital as a result of illness or accident. Prior agreement: certain medical treatments and procedures require the prior agreement of our Medical Examiner. The practitioner prescribing these treatments or procedures must provide you with a request for prior agreement and a detailed breakdown of costs before commencing any treatment. Waiting period: period defined in the policy during which no benefits are paid. The waiting period applies from the effective date of cover as mentioned on the membership certificate. 6
THIRD PARTY PAYMENT CARD FOR MEDICINES, TESTS AND RADIOLOGY ROUTINE HEALTHCARE OPTIONS MINI MEDIUM GLOBAL PREMIER MEDICAL EXPENSES (excluding dental care - see under specific cover) Fees and treatment by GPs Fees and treatment by specialists Fees and treatment by medical auxiliaries* Alternative medicine: fees and treatment by an osteopath, acupuncturist, chiropodist, podiatrist, homoeopath or chiropractor 100% BRSS 200% BRSS 300% BRSS up to 25/session (maximum 2 sessions) up to 35/session (maximum 2 sessions) up to 40/session (maximum 3 sessions) Diagnostic tests 100% BRSS 200% BRSS 300% BRSS Radiography 100% BRSS 200% BRSS 300% BRSS Transport costs 100% BRSS 100% BRSS 100% BRSS Thermal cures* reimbursed by Social Security** : waiting period 6 months*** up to 50/year up to 100/year up to 200/year DRUGS (excluding dental treatment - see under specific cover) Drugs covered by Social Security 100% BRSS 100% BRSS 100% BRSS Self-prescribed treatment (drugs purchased without a prescription) up to 30/year up to 30/year up to 30/year *** Requires prior agreement. Courses of treatment are subject to prior agreement if more than 10 sessions are prescribed per insurance year. *** Cover applies only in France (D.R.O.M. included). *** The waiting period may be cancelled if you had equivalent or higher level of cover which was cancelled since less than one month. Proof of this previous insurance and the Exit certificate must be produced. How to claim reimbursement of your medical expenses in France When you take out the insurance, we will provide you with a third party payment card. With this card, you will have nothing to pay up front to over 100,000 healthcare professionals (pharmacies, laboratories, specialists, etc.). However, if you do pay the healthcare professional directly, you should claim your reimbursement as follows: > > > > See a healthcare professional Send your medical bills to Social Security Your reimbursement is based on French Social Security rates. Your Social Security statement is automatically sent to APRIL International* international Your top-up reimbursement is processed within 48h (excluding postal delivery and bank processing times) *If the electronic transfer service is not available, you will need to send us your Social Security statement. 7
[ APRIL SOCIAL SECURITY TOP-UP INSURANCE FOR EXPATRIATES IN FRANCE] Benefits (continued) comprehensive cover tailored to each expatriate profile in France ROUTINE HEALTHCARE OPTIONS MINI MEDIUM GLOBAL PREMIER PREVENTATIVE MEDICINE PACKAGE** Vaccines reimbursed by Social Security 100% BRSS 100% BRSS 100% BRSS Vaccines not reimbursed by Social Security up to 30/year up to 30/year up to 30/year Screening reimbursed by Social Security (breast cancer, cervical cancer, hepatitis B, etc.) 100% BRSS 200% BRSS 300% BRSS Osteodensitometric examination (osteoporosis screening) reimbursed by Social Security 100% BRSS 200% BRSS 300% BRSS Smoking cessation support (as a top-up to payment from Social Security) up to 30/year up to 30/year up to 30/year MATERNITY Delivery Pre and post natal care covered under Hospitalisation, Medical expenses and Drugs Screening for chromosomal abnormalities 100% BRSS 200% BRSS 300% BRSS Maternity payment: waiting period 10 months 100/child 200/child 300/child EQUIPMENT AND PROSTHESES** (excluding optical and dental care - see under specific cover) 100% BRSS 200% BRSS 300% BRSS ** Cover applies only in France (D.R.O.M. included). 8
DENTAL IMPLANTS COVERED UP TO 600/YEAR GLASSES REIMBURSED UP TO 300/YEAR OPTICAL-DENTAL OPTIONS MINI MEDIUM GLOBAL PREMIER DENTAL: waiting period of 3 months*** for dental treatment and 6 months*** for dentures, implants and orthodontics Upper limit (excluding dental treatment) 1,000/year 1,800/year Dental treatment 200% BRSS 300% BRSS Dentures* 200% BRSS 300% BRSS Dental implants* up to 400/year up to 600/year Orthodontics*/** 200% BRSS 300% BRSS OPTICAL: waiting period of 3 months*** Frame and lenses Contact lenses up to 200/year up to 300/year Refractive eye surgery (treatment of myopia) up to 300/eye *** Requires prior agreement. Courses of treatment are subject to prior agreement if more than 10 sessions are prescribed per insurance year. *** Cover applies only in France (D.R.O.M. included). *** The waiting period may be cancelled if you had equivalent or higher level of cover which was cancelled since less than one month. Proof of this previous insurance and the Exit certificate must be produced. GOOD TO KNOW! For any queries or clarification on the level of Social Security reimbursements or the cover described in this document, contact our multilingual advisors! 9
[ APRIL SOCIAL SECURITY TOP-UP INSURANCE FOR EXPATRIATES IN FRANCE] Benefits (continued) comprehensive cover tailored to each expatriate profile in France HEALTHCARE IN THE REST OF THE WORLD Medical expenses cover is also valid during short stays outside France of up to 90 days per insurance year. You are covered for treatment received abroad from the 1 st euro spent as shown below. Upper limit per insured and per insurance year MINI MEDIUM GLOBAL PREMIER 70,000 100,000 140,000 180,000 HOSPITALISATION* (excluding outpatient care - see routine healthcare) OPTIONS MINI MEDIUM GLOBAL PREMIER Surgical or medical hospitalisation : fees and treatment Day hospitalisation: fees and treatment 100% of actual costs 100% of actual costs 100% of actual costs 100% of actual costs Living expenses Direct payment of hospital charges provided on request 24 hours a day, if prior agreement has been obtained provided on request 24 hours a day, if prior agreement has been obtained provided on request 24 hours a day, if prior agreement has been obtained provided on request 24 hours a day, if prior agreement has been obtained Private room up to 25/day up to 35/day up to 45/day up to 60/day Home care 100% of actual costs 100% of actual costs 100% of actual costs 100% of actual costs Parent accommodation (if child is under 16) up to 15/day up to 15/day up to 25/day up to 35/day Transport costs 100% of actual costs 100% of actual costs 100% of actual costs 100% of actual costs * hospitalisation outside France and the D.R.O.M. is subject to prior agreement (unless hospitalisation follows an accident). An excess of 20% will be applied if you do not follow this procedure before your admission to hospital. ROUTINE HEALTHCARE AND OPTICAL-DENTAL CARE Routine healthcare and Optical-Dental care are covered from the 1 st euro under the same conditions as those which apply to treatment dispensed in France. How to claim reimbursement of your medical expenses See a healthcare professional > Send your medical bills to APRIL International > Your reimbursement is processed within 48h (excluding postal delivery and bank processing times) > international 10
2013 premiums for medical cover Annual premiums 2013 (all taxes included) in euros for effective dates up to 16/12/2013 The level of the premium for couples and families is determined by the age of the eldest person. The upper age limit for applications is 75 (inclusive). AGE MEMBERSHIP MINI MEDIUM GLOBAL PREMIER 0-20 21-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65 66-70 > 70 Individual 144 324 540 696 Couple 252 600 948 1,224 Individual 156 372 588 744 Couple 276 648 1,020 1,332 Family 432 996 1,560 2,016 Individual 168 420 660 852 Couple 312 744 1,176 1,512 Family 480 1,140 1,776 2,292 Individual 192 468 744 948 Couple 360 840 1,320 1,692 Family 540 1,284 1,992 2,592 Individual 228 540 840 1,092 Couple 408 960 1,500 1,944 Family 624 1,464 2,280 2,952 Individual 264 636 984 1,284 Couple 480 1,140 1,776 2,292 Family 732 1,740 2,688 3,492 Individual 312 756 1,188 1,524 Couple 576 1,356 2,112 2,736 Family 876 2,076 3,216 4,164 Individual 324 900 1,428 1,848 Couple 600 1,632 2,544 3,300 Family 912 2,508 3,876 5,016 Individual 396 1,080 1,680 2,172 Couple 708 1,944 3,000 3,912 Family 1,092 2,964 4,584 5,952 Individual 468 1,260 1,968 2,556 Couple 828 2,268 3,516 4,572 Family 1,284 3,468 5,364 6,960 Individual 540 1,476 2,292 2,976 Couple 972 2,664 4,116 5,340 Individual 576 1,572 2,448 3,168 Couple 1,044 2,832 4,380 5,676 11
[ APRIL SOCIAL SECURITY TOP-UP INSURANCE FOR EXPATRIATES IN FRANCE] 2 Repatriation and legal assistance In the event of an accident, illness or other serious problem, we will come to your aid 24 hours a day, 7 days a week. Simply call us or send a fax. TYPE OF BENEFITS LEVELS Accident or illness: Medical repatriation or transfer to the most suitable hospital or to the country of nationality (or country of origin, if different) 100% of actual costs Repatriation of other beneficiaries in the event of the insured s medical repatriation one-way economy class airline ticket or 1 st class railway ticket Return of the insured to the host country after stabilisation Advance payment of medical expenses in the host country in the event of hospitalisation* Cost of a family member if the insured is hospitalised for more than 6 days and was expatriated alone Accompanying children one-way economy class airline ticket or 1 st class railway ticket up to 15,000 (advance) return economy class airline ticket or 1 st class railway ticket and 80 per night for 10 nights return economy class airline ticket or 1 st class railway ticket Sourcing and delivering essential medication not available locally covered Search and rescue costs up to 5,000 per person and up to 15,000 per event Hospitalisation of more than 48 hours requiring repatriation to France: Home help up to 10 hours over 4 weeks Child care provided by a family member or close friend return economy class airline ticket or 1 st class railway ticket Pet care (cats and dogs) up to 150 per event Home schooling up to 15 hours/week for 30 days Death of the insured: Returning the body or ashes to residence 100% of actual costs Cost of a transport coffin for repatriation of the body by air up to 1,500 Cost of a relative or friend attending burial abroad if the deceased insured was expatriated alone Repatriation of other beneficiaries: family members, spouse and children living with the insured return economy class airline ticket or 1 st class railway ticket and 50 per night for 4 nights one-way economy class airline ticket or 1 st class railway ticket Theft of identity papers, baggage or travel documents: Advance of funds abroad up to 1,500 Advance of new travel document abroad one-way economy class airline ticket or 1 st class railway ticket Sending urgent messages 100% of actual costs * if you have no healthcare cover. 12
ASSISTANCE AT HOME FOLLOWING REPATRIATION 2 Repatriation and legal assistance (continued) TYPE OF BENEFITS LEVELS Unintentional infraction of the law abroad: Legal expenses incurred abroad up to 1,500 per event Advance of bail abroad up to 15,000 per event Legal problems: Legal, administrative and practical information service by phone or e-mail Legal assistance in the event of litigation (criminal defence and remedy) up to 16,000 per litigation and per insurance year Death or hospitalisation of a family member: Early return home if a family member dies in the country of nationality return economy class airline ticket or 1 st class railway ticket Early return home due to the hospitalisation for 5 days or more of a family member in the country of nationality return economy class airline ticket or 1 st class railway ticket Damage to the home (in Metropolitan France): Repair services up to 80 per call-out and up to 2 call-outs per insurance year Caretaking/security up to 80 per claim Temporary accommodation up to 50/night for 2 nights Language difficulties: Translation of legal or administrative documents up to 500 per insurance year Annual premiums 2013 (all taxes included) in euros for effective dates up to 16/12/2013 Location of the country of nationality: Europe-Mediterranean zone Rest of the world Individual under 31 222 270 Individual aged 31 to 70 inclusive 258 306 Family 534 642 Notes: The level of the premium is determined by your country of nationality. The upper age limit for applications is 70 (inclusive). Europe and Mediterranean countries: Albania, Algeria, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia- Herzegovina, Bulgaria, Croatia, Cyprus, Denmark, Egypt, Estonia, Faroe Islands, Finland, Metropolitan France, Germany, Georgia, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Lebanon, Libya, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldavia, Monaco, Morocco, Norway, Palestine, Poland, Portugal, Romania, San Marino, Serbia and Montenegro, Slovakia, Slovenia, Spain, Svalbard and Jan Mayen, Sweden, Switzerland, Syria, The Czech Republic, The Netherlands, Tunisia, Turkey, Ukraine, United Kingdom, Vatican State. 13
[ APRIL SOCIAL SECURITY TOP-UP INSURANCE FOR EXPATRIATES IN FRANCE] 3 Death and total and irreversible loss of autonomy In the event of an illness leading to death, we will pay a lump sum to the beneficiary or beneficiaries designated at the time of application. The amount of the lump sum is doubled if the death is caused by an accident. In addition, the full lump sum is paid in the case of total and irreversible loss of autonomy see definition. Our benefits top up those provided by French Social Security. If you are not entitled to reimbursement from your statutory scheme, we can cover you from the 1 st euro. In this case, you will need to provide us with proof that you are by your statutory scheme in France. The benefit paid in the event of death by illness may be fixed between 20,000 and 400,000. Annual premiums 2013 (all taxes included) in euros per insured for effective dates up to 16/12/2013 The upper age limit for application is 64 inclusive 18 to 30 31 to 35 36 to 40 41 to 45 46 to 50 51 to 55 56 to 60 61 to 64 Minimum death benefit: 20,000* 48 63 75 102 150 201 288 438 Maximum death benefit: 400,000* 960 1,260 1,500 2,040 3,000 4,020 5,760 8,760 * doubled if death is caused by an accident Example of premium calculation: In order to obtain cover of 122,000, in the event of death, a person aged 37 would pay a premium of: ( 122,000 / 20,000) x 75 = 457.50 per year. The calculation rule is as follows: (Level of cover requested / 20,000) x Premium corresponding to 20,000 in the appropriate age group. Note: Depending on the level of death benefit requested, you will be asked to complete the following medical requirements: - death benefit between 20,000 and 150,000: Health questionnaire, - death benefit between 150,001 and 250,000: Health questionnaire + doctor's medical report**, - death benefit between 250,001 and 400,000: Health questionnaire + doctor's medical report** + electrocardiogram, blood and urine samples (ask us for details). ** reimbursed by APRIL International if you are under 65 Lump sums paid as death benefit are exempt from inheritance tax, subject to prevailing legislation. DEFINITION Total and irreversible loss of autonomy: where the insured is totally and permanently medically unfit for gainful employment and requires the assistance of a third party to carry out basic daily tasks. 14
4 Income protection A daily income protection benefit or disability pension protects you against loss of earnings as a result of illness or accident. Selecting this cover ensures that you will continue to receive part of your salary for a fixed period. You can take out this cover only if you are already covered for death benefit under the policy. You are free to choose the level of daily benefit (between 20 and 200) on condition that the following rules are followed: the monthly equivalent of the daily benefit must not exceed 70% of your gross monthly income, the amount of daily benefit selected depends on the level of death benefit selected: for example, for a daily benefit of 20, the death benefit selected must be at least 20,000. Our benefits top up those provided by French Social Security. If you are not entitled to reimbursement from your statutory scheme, we can cover you from the 1 st euro. In this case, you will need to provide us with proof that you are by your statutory scheme in France. You must be in paid employment to benefit from income protection cover. Daily income protection benefit: Daily income protection benefit may be paid from the 31 st or the 61 st day depending on the option selected and for a maximum period of 3 years. The number of days paid per month is 30. By selecting this cover, you will be entitled to waiver of premium benefit: this means that, if you experience financial difficulties caused by your absence from work and are entitled to income protection benefit, you will receive free death and disability cover. This benefit will stop when you reach the age of 65. Disability pension: A life-time disability pension provides protection if you are disabled through illness. The daily benefit is converted to an annual pension after a maximum of 3 years' payment of the daily benefit. The pension is paid once your condition has stabilised and until you reach retirement age, 65 at the latest. The amount of the annual pension is in proportion to the actual degree of disability. Annual premiums 2013 (all taxes included) in euros per insured for effective dates up to 16/12/2013 The upper age limit for application is 64 inclusive 20 of daily benefit with deferred period of 30 days 20 of daily benefit with deferred period of 60 days Minimum death benefit or D.B. selected x 1,000 Maximum annual pension or D.B. selected x 360 20,000 20,000 7,200 7,200 18 to 30 150 132 31 to 35 159 138 36 to 40 207 183 41 to 45 276 240 46 to 50 423 366 51 to 55 489 423 56 to 60 561 483 61 to 64 645 555 Calculation: for example a person aged 40 requesting a daily benefit of 62 with a deferred period of 30 days will pay ( 62 x 207) / 20 = 641.70 per year. Note: Depending on the level of daily benefit and disability pension selected, you will be asked to complete the following medical requirements: - daily benefit of between 20 and 80: Health questionnaire, - daily benefit of between 81 and 100: Health questionnaire + doctor's medical report*, - daily benefit of between 101 and 200: Health questionnaire + doctor's medical report* + electrocardiogram, blood and urine samples (ask us for details). * reimbursed by APRIL International if you are under 65 15
[ APRIL SOCIAL SECURITY TOP-UP INSURANCE FOR EXPATRIATES IN FRANCE] How can we help you? A few examples to help you understand your cover You have just arrived in France and are looking to buy a property. You have viewed some houses but feel somewhat overwhelmed with the amount of paperwork required to fund your project. You are finding it particularly difficult to understand the legal terms used by your contacts at the bank. Ë With legal assistance cover, our team will help you through the various steps to buying a property and make the entire process a lot easier by providing support until purchase is completed. You have settled in Provence and are delighted to learn that a baby is on the way. You would prefer to have your pre-natal care at home and are also planning to give birth in the UK to be near your parents. Ë With medical expenses cover, you may receive your care in the country of your choice: your maternity costs are covered in France and in your country of nationality. You want to start a business in France. First, you need to learn about the different procedures you need to follow in order to successfully carry out your project (choosing your business structure, funding solutions, etc.). However, some documents are a bit difficult to understand. Ë With assistance cover, make things easier by simply asking us to arrange for your documents to be translated. You are on a holiday in Biarritz and decide to take up surfing. During your very first lesson, you break your collarbone. Ë With medical expenses cover, you are immediately taken to the nearest hospital where you are examined and given the care you need. 16
How the policy operates Useful information before you apply WHO CAN BE INSURED? Any person aged between 0 and 75 inclusive, residing in Metropolitan France or in the D.R.O.M. (and outside their country of nationality) and covered by a French Social Security statutory scheme (general scheme, self-employed scheme, special scheme or agricultural scheme). Applications for repatriation and legal assistance are accepted up to and including age 70 and up to age 64 for death and loss of autonomy and income protection benefits. Notes: Membership can be: - on an individual, couple or family basis for medical cover, - on an individual or family basis for repatriation and legal assistance, - on an individual basis for death and total and irreversible loss of autonomy and income protection benefits. The attached Health questionnaire does not need to be filled out if you are only applying for repatriation and legal assistance. From the age of 65, new applicants will be required to attend a mandatory medical visit at their own expense and complete a medical report which is available on request from APRIL International. WHERE AM I COVERED? For medical expenses, death, total and irreversible loss of autonomy and income protection benefits: Cover is valid for a year at a time in France and in the D.R.O.M. as well as during short stays of less than 90 days per insurance year in the rest of the world (including your country of nationality). For repatriation and legal assistance: Cover is valid for a year at a time in France and in the D.R.O.M. as well as during short stays of less than 90 consecutive days in the rest of the world (including your country of nationality). Note: As a result of heightened tension, cover in certain countries is subject to prior agreement from APRIL International. A comprehensive list of excluded countries can be consulted at www.april-international.com or by calling us on + 33 (0)1 73 02 93 93 or by email at info.expat@april-international.com. The list of excluded countries is liable to change. WHEN AM I COVERED? Cover takes effect at the earliest on the 16 th of the month or on the first day of the month following receipt of your completed application form, premium payment and any additional documents requested (subject to medical approval). 17
international [ LA MOBILITÉ ] INDIVIDUALS Ref: Css 2013 Changing the image of insurance. [ APRIL SOCIAL SECURITY TOP-UP INSURANCE FOR EXPATRIATES IN FRANCE] How the policy operates (continued) Useful information before you apply HOW TO APPLY 1 2 3 4 Complete and sign the attached Application form. The principal insured, their insured spouse and legally adult children should complete and sign the Health questionnaire (unless you are applying only for repatriation and legal assistance). Please enclose payment of your 1 st premium with your Application form and Health questionnaire: - by cheque in made payable to APRIL International Expat or - fill in your credit or debit card details on the Application form or - arrange for the 1 st bank transfer to be made (include a copy of the transfer instructions) or - fill in the direct debit authorisation form provided with the Application form and enclose details of your bank accounts. Send your application to: APRIL International Expat - Service Adhésions Individuelles - 110, avenue de la République CS 51108-75127 Paris Cedex 11- FRANCE. 5 Your application will be processed within 24h. You will then receive: your Membership certificate serving as proof of insurance, the General conditions describing You can also apply online and will receive your insurance certificate by email within minutes. APRIL International cares > to use, in particular APRIL Social Security top-up insurance for expatriates in France to access how your General conditions 2013 assistance policy international operates, > your insurance card containing emergency contact numbers La complémentaire Sécurité sociale des expatriés en France APRIL Mr CARLSON John N de contrat / Policy number: 1815236 Date d effet / Start date: 01/01/2013 The above person benefits from the direct payment of hospital fees. Kindly facilitate hospital admission calling one of the numbers noted on the other side of this card. Information info.expat@april-international.com Tél : +33 (0)1 73 02 93 93 As part of our commitment to protecting the environment and improving the living conditions of disadvantaged populations worldwide, APRIL International is proud to support the Foundation for Nature and Mankind and Handicap International. services, or before being admitted to hospital. Handicap International takes action and campaigns in places where "standing tall" is no mean feat. Handicap International is an independent international aid organisation working in situations of poverty and exclusion, conflict and disaster. Working alongside people with disabilities and other vulnerable groups, its action and testimony focus on responding to essential needs and improving living conditions. Handicap International is committed to the promotion of respect for their dignity and fundamental rights. Since its creation in 1990, the Foundation for Nature and Mankind has pursued its mission of changing individual and collective behaviour in order to preserve our planet. The foundation develops its programmes around four themes: climate and energy conservation, local, sustainable and food supply, biodiversity and territories and the sustainable management of the coastline and marine environments. You too can contribute to one of these associations by choosing to donate an additional 5, 8 or 12 per year when paying your premium. Further details can be found in the Application form. 18
Additional services making life simpler! 1 ELECTRONIC TRANSFER MANAGING YOUR POLICY Sign up to the electronic transfer service and avoid having to send us your Social Security reimbursement statements. Your statements will be forwarded directly to us by your Social Security centre. Throughout your period of insurance, our Customer Service team is available to provide you with any assistance you may require in connection with your policy. You can: change the level of cover to suit your needs at any time throughout the life of your policy, add a beneficiary, sign up to new options, update contact or bank details, make any other changes to your cover. For information and assistance, contact our team: - Tel: +33 (0)1 73 02 93 93 or - Email: customerservice.expat@april-international.com La complémentaire Sécurité sociale des expatriés en France APRIL Mr CARLSON John N de contrat / Policy number: 1815236 Date d effet / Start date: 01/01/2013 The above person benefits from the direct payment of hospital fees. Kindly facilitate hospital admission calling one of the numbers noted on the other side of this card. Information info.expat@april-international.com Tél : +33 (0)1 73 02 93 93 YOUR INSURANCE CARD international THIS PERSONALISED CARD PROVIDES YOU WITH EMERGENCY CONTACT NUMBERS AVAILABLE 24/7 FOR: direct payment of hospital charges in France and abroad, requesting emergency assistance, contacting the legal assistance service. The card facilitates your admission to a medical centre in the event of emergency hospitalisation. To simplify procedures, the card contains your personal details (name, first name(s) and policy number). YOUR THIRD PARTY PAYMENT CARD For your medical expenses in France, if you are covered by French Social Security, you will be provided with a third party payment card accepted by over 100,000 healthcare professional partners. With this card you have nothing to pay up front for tests, radiography and medicines, etc. CUSTOMER ZONE ONLINE If you are insured, you can view: your reimbursement advice notes, your cover and General conditions, your personal and bank details. If you are the member, you can: check your premium payments, payment methods and contact details for your insurance consultant, pay your premiums online. 19
APRIL, changing the image of insurance From our beginnings in 1988, APRIL has been committed to changing the image of the insurance industry by ensuring that the client is always at the heart of our business. Today, more than 6 million people know they can count on our 3,800 employees and 45 companies to protect their goods and families day after day. APRIL has earned that trust by providing insurance products that combine a fair price with a reassuring level of cover and quality service; proof indeed that insurance is not what it used to be. WORLDWIDE PRESENCE IN 37 COUNTRIES APRIL International, specialising in international insurance for nearly 40 years Our promise Top quality management of your insurance choices: applications processed within 24 hours and reimbursement of medical expenses within 48 hours 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. FOR MORE INFORMATION, CONTACT YOUR INSURANCE CONSULTANT All trademarks, logos, graphics and commercial material in this document are registered. Any reproduction of any kind, either partial or total, of the said elements and text is prohibited and will result in prosecution. Non-contractual document. February 2013. international expat APRIL INTERNATIONAL EXPAT A MEMBER OF APRIL 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) - Prudential Supervision Authority - 61, rue Taitbout - 75436 Paris Cedex 09 - FRANCE. international Changing the image of insurance.