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EXPATRIATES HEALTH INSURANCE FRANCE

EXPATRIATES HEALTH INSURANCE FRANCE

COMPLEMENT OF FRENCH HEALTH SYSTEM (CPAM)

AOC Insurance Broker provide for you « Première » health insurance plan for expat residents of France who are registered with the State Healthcare System (CPAM).

This specialist health insurance plan pays the full difference between the amount paid by CPAM and the actual cost for any in-patient treatment within France.

Premiere healthcare is designed to meet the difference in costs between the actual amount paid by you for treatment undertaken in France and the amount that is reimbursed for these costs by the CPAM (Caisse Primaire d’Assurance Maladie). This is the temed as the « Full difference ». Unless otherwise stated, the Benefits applicable to the policy will be deemed to by on a « Full Difference » basic. The Claims Center is located in Levallois (92)  for reimbursment in France.

PREMIERE COVER

Inpatient Treatment in France :

Outpatient cost linked to the hospitalization for up to 90 days pre-admission on post-discharge including :

+ Home Nursing,

+ Physiotherapy,

+ Road ambulance costs,

+ Convalescence,

+ Pregnancy and Childbirth costs,

+ Day Patient Surgery,

+ Private Room Hospital.

PREMIERE PLUS COVER

Extend Benefit beyond the Premiere Cover with GP Visits, Prescribed Medecines, GP Surgery and Routine and Emergency Dental Treatment.

PREMIERE Member may also opt for International coverage to Europe fo elective treatment and worldwide for accident and emergency treatment.

The annual benefit is 155 000 EUROS per persons and all in-patient claims can be settled directly with the medical provider.

Expats living in France : Complete a Call Back Request Form AOC Insurance Broker and we will call you at convenient time to give you information about our insurance plans and answer any questions that you may have.

AOC Insurance Broker, your French International Health Insurance Comparator and Travel Online.

AOC Insurance Broker, Wherever you are, we’ll cover you

Website : www.aoc-insurancebroker.com

 

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ADVENTUROUS INSURANCE TREKKING NEPAL

TREKKING IN NEPAL
Adventurous Travel Insurance

Trekking is by far Nepal’s biggest attraction. Pioneered by Col. Jimmy Roberts in the early 1960s, most tourists embark on some trek or the other and many do multiple treks before heading back home. Some arrive each year to do a different trek each time. A trek is also the best means of seeing the country and to understand its people.  Walking through emerald rice fields; through rhododendron forests; crossing streams, camping out on a hilltop in the wilderness with towering mountains in the background, make trekking an unforgettable experience.

One can also do pony treks in some remote places, which is equally enthralling for visitors. Pony treks are offered mostly in western region of Pokhara, Dolpo and Lo Manthang (Mustang).

The two most popular treks are the Everest Base Camp Trek and the Around Annapurna also known as the Annapurna Circuit as it goes right around the Annapurna range. There are many different treks offered in the Everest and Annapurna regions. Other popular regions are the Langtang valley, Helambu, Makalu, Manaslu, Kanchenjunga and the Arun Valley. Another popular destination in the Everest region is the Gokyo valley.

The Everest region has always been popular among trekkers. You’ll meet few trekkers who haven’t been up that route. The name Everest evokes awe. Located in eastern Nepal, the Everest region offers a wide range of trekking experiences. From the Everest Base Camp trek (listed as one of the ten best trips in the world) to treks in remote semi-wilderness areas, there is much to choose from.

The Everest region has always been popular among trekkers. You’ll meet few trekkers who haven’t been up that route. The name Everest evokes awe. Located in eastern Nepal, the Everest region offers a wide range of trekking experiences. From the Everest Base Camp trek (listed as one of the ten best trips in the world) to treks in remote semi-wilderness areas, there is much to choose from.

Solukhumbu district is the home of the legendary Sherpas and also the most popular region in the Himalaya. The northern part of the district (Khumbu) lies within the Sagarmatha National Park, which was established to protect the fragile ecosystem of the alpine region. To the east of the Sagarmatha National Park is the Makalu-Barun National Park, a remote and wild stretch of mountain peaks and deep, densely forested valleys. To the west is the Rolwaling valley, a well protected microcosm of cultures. The southern part of the district, Solu is less frequented by tourists but could be a very rewarding destination in its own right.

Mount Everest naturally is the major attraction here, but there are other 8,000 meter peaks in the region such as Lhotse, Cho Oyu and Makalu besides the many lesser peaks which are no less stunning. There’s more to Khumbu than just mountains. The stark beauty in the form of glacial lakes, resplendent rhododendron forests, native flora and fauna, charming villages and ancient Buddhist monasteries all add up to make this region an irresistible tourist destination.  

Permits and Fees

As long as trekkers refrain from climbing up mountains, no special trekking permits are required for visiting this area. An entry fee paid before entering the Sagarmatha National Park is all one needs to pay and this can be taken care of at the National Park desk in Thamel. However for treks to the east of the main Everest trail, an addition permit is required to enter the Makalu-Barun National Park obtainable from the same location in Thamel. Visitors must also carry a TIMS card obtainable free of cost from the Nepal Tourism Board office when they enter this national park.

Everest Base Camp Trek

Everest base camp trek is the lifetime adventure trip in Nepal. It begins with an exciting flight to lukla at 2800m and passes through the picturesque Sherpa village of Namche bazaar to Gorakshep Culminationg in the ascent of kala pattar 5500m from where classic views of Everest and Ama Dablam, Lhotse and many other peaks can be seen. Most of the trek is spent above 300m in the Khumbu and Imia valleys, whose skylines are dominated by the massive peaks of the eastern Himalayas.

Classical Jiri – Everest Base camp Trekking

Classical Jiri- Everest Base camp Trekking is the most famous trekking route among the tourists of world. When we go for trekking this route, we being our trekking from jiri a market and gateway of Mt. Everest and, after a few days of trek, we reach at Soul District, where the Mt. Everest is located. Otherwise, we also can have direct flight from Kathmandu to Lukla.

Annapurna Region

Annapurna Region is very popular trekking area in Nepal. A very commonly heard name is the ‘Around Annapurna Trek’ and based on sheer numbers of trekkers visiting, this is certainly the most popular. As the name suggests, the centre piece of this part of Nepal is the range of mountains that includes Annapurna I, the first of the 8000m peaks to be climbed. Also included in this region is another 8000m giant, Dhaulagiri, which is located west of Annapurna I. Between these two mountains lies the valley of the Kali-Gandaki River, the deepest gorge in the world. Views of lush, fertile farmland and stands of undisturbed natural forest, snow covered mountains and encounters with a mixture of many ethnic communities all add up to a diverse range of experiences that makes this area one of the most satisfying trekking destinations in Nepal.

The fact that the Annapurna chain of mountains lies inland causes a large chunk of land to fall in the rain shadow area. Hence these parts are considerably drier than the southern slopes of the mountains. This leads to unusually diverse landscapes and the possibility of trekking during the monsoon.

Annapurna Base Camp Trek

For short trek with few altitude problems, the Annapurna region provides you with unparalleled access to spectacular horizons of snow peaks. A trek to you ABC combines some of the most fantastic mountain scenery with a fascinating insight into the life of middle hill Nepalese. The trail takes us through an ever-changing landscape of rice fields

Annapurna Circuit Trek

Annapurna circuit, the 332-km trek is not only the most famous trek in Nepal but also one of the most celebrated treks in the world. if you are looking for diversity in both landscape and people, Annapurna circuit trek is one of the best choice. A trek to Annapurna circuit use to take 3 week before but now due to the recent changes …

Ghorepani Poonhill Trek

One of the famous trekking route in Nepal for both teahouse and organized. Ghorepani trek offers a wonderful opportunity to witness the beauty of the Annapurna region with a shorter trek. This place is rich of hidden treasure of Nepalese culture and tradition. During the trek the trail passes through world’s famous the gorkha warrior clan

Panchase Trekking

The trekking to Panchase commences from the lakeside town of pokhara traveling south west before looping into the main Annapurna trekking region. The area around Panchase is well known for its array of bird and wildlife. The first five days trekking are away from the more frequented trails providing an opportunity to experience …

Royal Trek

The royal trek is one of the famous and easiest treks in Annapurna region. This trek is especially suitable for the beginners and elderly people. The trek has been named the Royal trek as Britain’s prince Charles walked it in the 1980s. It’s an excellent trek to do, as it doesn’t entail any particular long walking days but plenty to see.

Ghandruk Trekking

This is short trek provides good interdiction into trekking whilst also providing some wonderful close up views of both the sacred mountain Machapuchere (fishtail) and Annapurna south. Our destination is the beautiful and ornate village of Ghandruk, home to the Annapurna conservation area project.

Langtang Region

The Langtang region trekking north of Katmandu offers a multitude of trekking destinations, all accessible without flights. Langtang region offers splendid varieties of natural and cultural diversity with spectacular Himalayan views. The major areas in Langtang region are Langtang, Gosainkunda, Helambu, PanchPokhari and Tamang heritage trail which can be combined in many different ways to make trekking lasting from seven to 16 days. Langtang region trekking provides different experiences that could not be found elsewhere and has over 70 glaciers of varying sizes; the Langtang and Ganesh Himal mountain ranges lades including Gosainkunda, parvatikunda, Bhairavkunda, Dudhkunda etc are the important sacred place of Hindus and Buddhists.

The Langtang region is covered with pine, spruce and juniper forests and the habitat for the red panda, different kinds of deer and many species of birds. Langtang region also comprises rich Tamang art and culture at Gutlang and Goljung, ancient Buddhist monasteries such as kyangin and Sing-gumpa, Tatopani (natural hot springs) and the historic fort of Rasuwa-gadi in the china-Nepal border. The trails are challenging with long, steep climbs and descents, often through deep forests or across glacier mountain views and interesting villages with well-established lodges.

Langtang Valley Trekking

The Langtang trek goes through the Langtang national Park, which was designated the first Himalayan National Park in 1970. The area extends from north of Kathmandu to the Tibetan border, with the highest peak in this area being Langtang Lirung at 7246m.

Helambu Valley Trekking

Helambu trek is short and easy trek have Nepal and easily access from Kathmandu. Helambu offer many Monastery visit, Rhododendron forest, superb mountain views, picturesque Sherpa settlements, friendly people and after all unspoiled culture of the area. This trek is more like cultural trek than mountain and glacier expeditions. People here call themselves Sherpas but their relationship with the Sherpa of Solu Khumbu is distant. The dialects spoken are also different.

Langtang & Gosainkund Trek

The Langtang valley is aptly called « the valley of glaciers ». Here the mountain – view is spectacular. On either side of valley, mountains rise, soaring in to the sky. The valley offers pain forest, slow moving rivers and swift mountain streams, rugged rock and snow- capped peaks. In the upper part of valley there are snow bridges spanning angry torrents, high passes enveloped in mist, tiny lake with icebergs floating on them and water of crystalline brightness.

Around Kathmandu valley trekking

Kathmandu valley trekking, Chisapani, Nagarkot, Dhulikhel trekking this is a fantastic hike from Kathmandu. Few people trek around Kathmandu Kathmandu valley. Yet it offers a rich insight into lives, history, culture and religion of its inhabitants. you will walk mostly shivapuri watershed forests and villages and villages during your trekking time. Shivapuri hill(2729m) is the highest point of this trekking . From the top of shivapuri, can see western mountain manaslu, boudha himal, ganesh himal range, langtang range, dorjelakpa, shisangma and Gaurishankar. In short we can see more then 60 peaks from here. And other mountains can be seen and anither gain of this trekking is to reach Nagarkot which is the most popular point for viewing, terrace, river and beautiful scenery green hill. Extension trekking after Dhulikhel to balthali village; the trail is goes through Namo Buddha where is famous Buddhist stupa on the trail you can see nice mountains scenery traditional people, culture nature and a beautiful real Nepalese villages. Most of trekkers trek from Dhulikhel to Namobuddha then take a lunch and visit the monasteries at Namobuddha then continue trek to Balthali village starts in a small village which is a small sleepy settlement which rests at junction of roshi and ladku khola river.balthali village stands on a plateau which is just beyond khopasi, 40km away from Kathmandu. Now a day, there is one resort names balthali village resort where you will stay a night and the next day trek continue though khopasi village to Panauti bazaar. Short sightseeing around Panauti bazaar and take a lunch and drive back to Kathmandu.

Chisapani Nagarkot Balthali village Trekking

Sky star international tours not only emphasis long trekking in Himalaya besides that for Business man or old people, family group who have limit holiday duration in Nepal, offer easier or around Kathmandu valley trekking with in one day to till 7 days.

For More Information contact AOC Insurance Broker partner :

M. BHIM Ghimire

Sky Star International Tours & Travel Pvt. Ltd.

Tel :977-1-4218461, 977-1-4251204

Email: skystar@wlink.com.np, info@skstartravels.com
skype:skystartoursnepal

AOC Insurance Broker, Wherever your are, We’ll cover you

www.aoc-insurancebroker.com

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CHECK LIST EXPATRIATE

Check List Expatriates with AOC Insurance Broker

This article contains suggestions as to the issues that should be covered to ensure that expatriates, students and interns have all the keys for a successful expatriation.

+ Location of offices and where duties will be performed:

This should be set out in detail – not just the country but also the location of the offices and geographical area that the expat activities will cover. Will they be expected to travel to other countries in the course of this assignment? If so, how often and what is the likely duration of such trips?

+ Duration of assignment:

Whether the expatriate is unaccompanied or relocating with their family, a firm idea of the contract period, the duration of the assignment must be specified. If this is to be determined by the completion of a specified objective, an estimated duration will need to be given. The contract should also specify whether there is a trial period and, if so, how long that period lasts and how it is evaluated.

+ The job function:

The contract should specify exactly what the employee’s duties are and give details of all responsibilities and the goals they will be expected to achieve. If there will be subordinate employees for whom the expatriate will be responsible, this should also be detailed.

+ Salary:

The contract must specify the gross annual salary, any likely or possible bonuses and the salary structure in terms of increases. On what factors are any increases based? Is there a corporate policy of annual salary increases for all employees or are these performance based only? If performance based, the employee might want to know who will be making the decision, will it be their immediate superior or a financial officer back at HQ?

+ Housing and interim living allowance:

The contract must give precise details of what the relocation package includes. The type of housing to be provided must be specified and how long the employee will be expected to spend in short term housing. Who will be responsible for finding the accommodation, the employee/student or the company/university? If the destination country is not too far, a home search trip should be included in the contract. Will the cost of short term housing be paid directly by the company or will the employee pay it from the interim living allowance? How much will the interim living allowance be and how long a period does it cover?

+ Transport:

Is a company car provided for the duration of the assignment? If so, details should be included in the contract. Is there a company car pool or will the employee be allocated a vehicle for their use? Will this also include personal use? If the vehicle breaks down for any reason, will there be a substitute available or will a hired vehicle be necessary? If so, who pays? Who has financial responsibility for routine maintenance or for any mechanical problems that the vehicle may develop?

+ Tutition fees:

Many companies provide assistance with tuition fees for expatriate families, as international schools are expensive. The contract should include details of whether this assistance is partial or total reimbursement of fees.

+ Annual Leave and home visits:

The amount of annual leave must be detailed and how many paid home visits for the employee and family are included during the assignment. How long a period must be spent in the destination country before qualifying for a paid home visit? Are the airlines tickets provided for all the accompanying family or will the employee be expected to contribute towards part of the cost? What national holidays do the company and employees in the destination country observe?

+ Social insurance:

What provision will be made for the employee’s pension and protection in the case of unemployment? What contribution is expected from the employee? What health insurance is provided and will it also cover accompanying family members? Is the employee required to contribute towards health insurance for their family and, if so, how much?

Tax:

Will the employee be a fiscal resident of the host country? Will the various allowances and payments be  »grossed up » by the company to cover tax or will the employee be paying the tax? Some benefits (i.e. car, housing, etc.) may be considered as taxable income.

Moving costs:

The contract must include details of the reimbursement of moving-in costs;
the authorized amount for the removal package both outbound and inbound. Will the employee be expected to pay for insurance covering transportation of goods and personal effects? Will any documentation be required for the importation of goods into the destination country? Is it the employee’s responsibility to obtain any such documentation or will the company undertakes the task?

+ What if it goes wrong?

Nobody wants to contemplate such a costly exercise going wrong, but relocations are not always successful. It is only sensible to have details of what constitutes a breach of contract included in the contract itself. Clarification should be given as to what are acceptable reasons for any such breach and what are the likely repercussions or penalties. The applicable legislation pertaining to the contract and the courts with jurisdiction for determining any conflict should also be detailed.

+ And what if it doesn’t?

Supposing all goes to plan and the employee and family wish to stay on. Is the contract renewable – and under what terms? At what stage can renewal be decided and will the terms remain the same?

INTERNATIONAL HEALTH INSURANCE ?

International medical insurance is important to protect you. We want to help you, to find the right coverage of your and your families insurances needs. We offer professional advice on family, individual, group, travel expatriate health insurance and travel insurance worldwide.

Please complete complete a Call Back Request Form online  and we will call you at a convenient time to give you information about our insurance plans and answer any questions that you may have.
AOC Insurance Broker – Wherever you are, we’ll cover you.

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china@aoc-insurancebroker.com ; morocco@aoc-insurancebroker.com
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