AOC Insurance Broker

Comparateur en Ligne Assurance Santé Internationale – PVT – WHV Globe Trotter – Prévoyance Expat – Santé Voyage – RC Expat

EXPATRIATION RELOCATION TUNISIE

EXPATRIATION TUNISIE – ASSURANCE SANTE EXPATRIE TUNISIE

RELOCATION TUNISIE INT’L EXPAT SERVICES

INT’L Expat Services est une organisation spécialisée dans les services de relocation. La finalité de ce nouveau métier est de soutenir et d’accompagner des sociétés ou des individus, dans leurs besoins lors de leur installation dans un nouveau pays. L’équipe franco-tunisienne de professionnels de la relocation de Int’l Expat Services met tout en œuvre pour contribuer au bien-être de chaque expatrié et de sa famille, en lui simplifiant l’insertion sociale et professionnelle à son arrivée en Tunisie.

Membre de Worldwide ERC, INT’L Expat Services vous assure un service de qualité sur-mesure. En s’appuyant sur un réseau de consultants et de partenaires en Tunisie et à l’étranger, IES construit chaque projet de relocation avec attention et écoute afin de réduire le stress inhérent à toute arrivée, ou départ.

La Tunisie était déjà connue pour son esprit de tolérance. La société tunisienne de l’après-Révolution saura vous conquérir d’autant plus ! Evincée corruption et barrières arbitraires, la Tunisie libre vous offre un cadre de vie exceptionnel, riche de son histoire et de ses paysages époustouflants et variés. De plus, le coût de la vie y est 30% moins cher qu’en France.

Plus de 20000 Français y sont déjà installés, conquis par la chaleur humaine et climatique du pays. INT’L Expat Services et ses collaborateurs seront vos premiers interlocuteurs dans votre relocation tunisienne, mais surtout votre premier aperçu de l’accueil chaleureux que vous réservent le pays et ses habitants.

Fort de son savoir-faire en relocation et services pour expatriés, IES vous propose différents types de prestations adaptées à vos besoins et à votre budget : Standard, VIP, Business ou Student. Adaptables, elles fournissent toutes une assistance pour le déménagement, la recherche de logement et une assistance administrative a minima.

Vous partez en expatriation et ou vous êtes expatriés en TUNISIE ?

AOC Insurance Broker compare vos assurances santé expatriés et complémentaires CFE pour vous aider à faire le bon choix et opter pour le meilleur rapport/prix/garantie/services avec des facilités pour l’expatrié.

Faire le choix d’un comparateur, c’est disposer d’un service global pour vos assurances expatriation, bénéficier d’un expert indépendant en assurance santé internationale représentant plus de 25 assureurs mondiaux.

Demander une étude comparative Assurance santé internationale Tunisie : ICI Formulaire en Ligne

Recommandation AOC Insurance Broker :

EXPAT MOVERS § STORAGE

5 rue du jeune Foyer – 1004 EL MENZAH 1 – TUNIS/TUNISIA

TEL : 71.750.756 – DIRECT : 71.751.654 – Mobile : 27.431.944

FAX : 71.751.653

Website : www.ies-relocation.com

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ASSURANCE SANTE EXPATRIE

ASSURANCE SANTE EXPATRIE
ASSURANCE SANTE INTERNATIONALE
ASSURANCE MEDICALE INTERNATIONALE
ASSURANCE MALADIE INTERNATIONALE

Une approche internationale, une connaissance locale, un comparateur 100 % dédié aux expatriés

Choisir AOC Insurance Broker, comparateur en santé expatriés et assurance  voyage en ligne, c’est choisir des solutions complètes pour votre expatriation, la connaissance des polices d’assurances de tous les acteurs internationaux de ce marché, de la gestion de vos polices aux back office des compagnies en passant pas l’assistance évacuation rapatriement ou encore la gestion de vos remboursements.

L’équipe internationale d’AOC Insurance Broker reflète la diversité culturelle de ses clients de part sa présence et sa connaissance des problématiques pays et des réseaux hospitaliers.

Nous mettons a la disposition de nos clients expatriés, particuliers et entreprises la ou les solutions les plus appropriées en s’inscrivant dans une relation durable sachant qu’aucune solution dassurance santé expatriés n’est immuable.

Notre valeur ajoutée, le conseil et « coller au plus près au terrain et a la réalité que vie l’expatrié ».

Des solutions sur-mesure et des produits d’assurance santé internationale modulables :
Assurance santé Expatriés aux 1ers euros, 1er USD, livre sterling et ou encore complément de la CFE et ou de l’OSSOM (Doz)

Nous proposons a nos clients différentes garanties d’hospitalisation couvrant une large gamme de traitements hospitaliers ou ambulatoires tels que l’évacuation médicale d’urgence, les traitements en consultations externes d’urgence, ou encore les soins reçu a domicile. Ces garanties d’hospitalisation peuvent êtres complétées et ou intégrées par une gamme de garanties optionnelles telles que des garanties frais ambulatoires, dentaire, rapatriement et ou encore responsabilité civile vie privée a l’étranger, individuelle accident, protection familiale et ou du chef d’entreprise « homme clé »…

Nos clients peuvent choisir plusieurs zones géographiques de couverture allant de la couverture « Monde » ou Monde excluant les USA et voir le Canada mais aussi sur des plans régionaliste et ou pays . Cette flexibilité permet de constituer la combinaison idéale entre les niveaux de couverture médicale internationale et la le pays d’expatriation choisi afin de répondre de la manière la plus appropriée a leur besoins.

Qu’apportent nos partenaires assureurs pour nos clients entreprises ?

+ Assurance sante couvrant les employés de toutes les nationalités et leur dépendants

+ La possibilité d’assurer des employés locaux provenant de pays tiers, des expatries, des employés dits imparties ainsi que des employés déjà bases a l’étranger

+ La couverture des déplacements professionnels et d’agrément de courte durée jusqu’à 90 jours ou moins vers les USA et ou le Canada mais aussi plus de 300 par employé et par an (et cela afin de couvrir toute urgence médicale survenant a l’étranger)

+ La possibilité de garantie et d’administration sur mesure pour les entreprises

+ Des solutions santé internationales en fonctions de vos budgets, de la mobilité de vos personnels et de vos obligations envers vos employés

+ Un reporting et ou des statistiques permettant a l’employeur et ou aux ressources humaines de surveiller la performance de la police collective santé internationale

+ Des services en ligne pour une gestion simplifiée et efficiente de la police collective avec des accès dédies

+ Des documentations et ou « Welcome Pack » afférente a la police d’assurance en version électronique (PDF) dans le souci du respect de l’environnement

+ Des services médicaux en interne composes de professionnel afin de faciliter les accès et admissions aux hôpitaux, de garantir des soins adaptes pour les adhérents et le tiers payant (direct billing) pour les assures sans avance de fonds

+ Aucune vérification médicale et ou de délais de carences pour les groupes sante internationale a partir de 10 employés ou moins en fonction de nos partenaires. Par ailleurs, les pathologies préexistantes ainsi que des pathologies chroniques sont couvertes par ces contrats d’assurance sante collective.

+ Le renouvellement garanti dans la continuité des employés couverts par la police d’assurance collective

Qu’apportent nos assureurs à nos adhérents ?

+ Assistance téléphonique multilingue dont le français (24 heures sur 24 et 7 jours sur 7)

+ Service d’assistance téléphonique d’urgence

+ Traitement des formulaires de remboursements  dans un délai variant de 48 heures a 72 heures dument complétées et a réception(si pas de tiers payant ou direct billing ou co-paiement)

+ Multiples envoi et possibilités de remboursement, notamment l’option dématérialisée (Scanner et email) pour les compagnies d’assurances hors France (version papier en original uniquement)

+ Possibilité de paiements dans de nombreuses devises

+ Liberté de choix et possibilité pour les membres de choisir leur médecin et leur centre medical

+ Règlement direct pour les demandes de remboursement en hospitalisation et pour nos acteurs de dimension mondiale tiers payant ou direct billing pour l’ambulatoire

+ Evacuation vers le centre medical le plus proche et adapte aux soins à prodiguer si nécessaire

+ Des services en ligne avec possibilité de vérifier sa propre couverture, suivre ses remboursements en ligne, changer de comptes bancaires pour ses remboursements…

+ Des services de conseils médicaux et voyageurs en fonction de votre lieu d’expatriation

+ Des documentations et accès en ligne en français, anglais, espagnol, allemand, italien etc.…

+ Une carte d’adhérent personnalisée pour l’accès aux hôpitaux (consulter les sites internet des réseaux hospitaliers pour une prise en charge facilitée) ; un moyen de connaître les services réels ou non que peut apporter la compagnie d’assurance si elle est référence avec un agrément.

+ La couverture des personnes a charge lorsqu’elles n’accompagnent pas l’adhérent dans ses déplacements.

Comment procéder et utiliser les services de comparateur en assurance sante Expat de AOC Insurance Broker ?

C’est très simple, rdv sur la plateforme www.aoc-insurancebroker.fr et ou www.aoc-insurancebroker.com et veuillez compléter le formulaire ci-dessous pour un devis comparatif gratuit et ou un appel d’offre entreprise.

Nous vous proposons de compléter une demande de RDV téléphonique au jour et a l’heure de votre convenance afin de vous conseiller sur nos plans internationaux d’assurances et répondre a toutes vos questions.

Nous effectuons pour nos clients des comparaisons afin de vous offrir le meilleur prix et la meilleure garantie sur votre lieu d’expatriation en mettant a votre profit plus de 25 assureurs partenaires…

Pour une étude personnalisée complétez notre formulaire en ligne avec le lien ci-dessous :

Formulaire en Ligne de RDV téléphonique.

Liens Exemple Comparaison Assurance expatriation 1er Euros/USD Singapour

Liens Exemple Comparaison Assurance Expatriation Complément CFE Singapour

Liens Exemple Comparaison Assurance Expatriation Complément CFE Maroc

Liens Exemple Comparaison Assurance Expatriés Complément CFE USA


DESTINATION EXPATRIATION :

Assurance Santé Expatriés Algerie

Assurance Santé Expatriés Allemagne

Assurance Santé Expatriés Arabie Saoudite

Assurance Santé Expatriés Argentine

Assurance Santé Expatrié Australie

Assurance Santé Expatriés Bangladesh

Assurance Santé Expatriés Barbades

Assurance Santé Expatriés Belgique

Assurance Santé Expatriés Benin

Assurance Santé Expatriés Bresil

Assurance Santé Expatriés Burkinafaso

Assurance Santé Expatriés Cambodge

Assurance Santé Expatriés Cameroun

Assurance Santé Expatriés Canada

Assurance Santé Expatriés Chine

Assurance Santé Expatriés Chypre

Assurance Santé Expatriés Coree du Sud

Assurance Santé Expatriés Cote d’Ivoire

Assurance Santé Expatriés Danemark

Assurance Santé Expatriés Egypt

Assurance Santé Expatriés Equateur

Assurance Santé Expatriés Espagne

Assurance Santé Expatriés France

Assurance Santé Expatriés Gabon

Assurance Santé Expatriés Ghana

Assurance Santé Expatriés Grece

Assurance Santé Expatriés Hollande

Assurance Santé Expatriés Hongrie

Assurance Santé Expatriés Inde

Assurance Santé Expatriés Indonesie

Assurance Santé Expatriés Iran

Assurance Santé Expatriés Israel

Assurance Santé Expatriés Italie

Assurance Santé Expatriés Japon

Assurance Santé Expatriés Jordanie

Assurance Santé Expatriés Kazakhstan

Assurance Santé Expatriés Kenya

Assurance Santé Expatriés Laos

Assurance Santé Expatriés Liban

Assurance Santé Expatriés LONDRES

Assurance Santé Expatriés Madagascar

Assurance Santé Expatriés Malaisie

Assurance Santé Expatriés Mali

Assurance Santé Expatriés Maroc

Assurance Santé Expatriés Mauritanie

Assurance Santé Expatriés Mexique

Assurance Santé Expatriés Niger

Assurance Santé Expatriés Nigeria

Assurance Santé Expatriés Pakistan

Assurance Santé Expatriés Philippines

Assurance Santé Expatriés Quatar

Assurance Santé Expatriés Republique du Congo

Assurance Santé Expatriés Republique tcheque

Assurance Santé Expatriés Russie

Assurance Santé Expatriés Rwanda

Assurance Visa SCHENGEN

Assurance Santé Expatriés Senegal

Assurance Santé Expatriés Singapour

Assurance Santé Expatriés Sri Lanka

Assurance Santé Expatriés Taiwan

Assurance Santé Expatriés Thailande

Assurance Santé Expatriés Tunisie

Assurance Santé Expatriés Turquie

Assurance Santé Expatriés UAE

Assurance Santé Expatriés USA

Assurance Santé Expatriés Vietnam


 

 

www.aoc-insurancebroker.com

www.assurance-sante-expatrie.eu

www.comparateur.aoc-insurancebroker.com

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FAQ EXPATRIATES HEALTH INSURANCE

FAQ EXPATRIATES HEALTH INSURANCE

This article contains suggestions as to the issues that should be covered to ensure that individual & group expatriates have all the keys for a successful expatriation

www.aoc-insurancebroker.com ; contact@aoc-insurancebroker.com

  • AOC Insurance Broker is an international Insurance Broking- and Risk Consulting Group in the field of International Health Care Plans for Expatriates and Travel online. The company is owned and managed by a French and Swiss/Australian partners, all with many years of international experience in General Insurance, Health Care, Travel and Risk-Management.
01: My company pays for my insurance but I do not know what I am covered for. What should I ask my HR?

Please ask your HR for information pertaining to

- your coverage, whether it covers hospitalization or not
- your annual maximum limit
- whether it covers private clinics or special department of public hospitals
- whether it provides international coverage

The insurer covering your company will have all these information. Should you require assistance to review your cover, please feel free to contact us and our consultants will be able to advise you accordingly.

02: How much does health insurance cost?

It depends on the level of coverage, age of insured, medical condition, area of coverage, etc. To understand what affects the price of health insurance cost, please click here

03: Does health insurance cover dental or maternity?

The key objective of an international health and medical insurance is to cover medical treatment for acute serious illness or injury. After that objective has been met, you can add dental or/and maternity coverage into your policy. Should you need to discuss further, feel free to contact us

04: I have health insurance back home. Do I still need to be covered?

Generally, your insurance in your home country covers the medical costs in your home country only. For international medical cost, it will either be excluded or only a small amount will be covered. If you are staying abroad long enough, for example 3 months, you should consider buying an international medical or travel insurance.

05: Do I need to do a medical check-up to apply for international medical or travel insurance?

No need. On the application form, a medical questionnaire is enclosed. You just need to answer the medical questions. For major pre-existing medical conditions, you will be requested to provide recent medical report.

06: I am a young and healthy expatriate. Do I need health insurance?

International Health insurance is always necessary. At the very least, hospitalization coverage is a must in case of an accident as hospitalization cost can be very expensive. Some policies are designed specifically to meet the needs of young, health expatriate. Do feel free to contact us to discuss further.

07: Am I eligible for cover?

You are eligible for cover if you live or work outside of the country for which you are a passport holder. Most insurers will place an age ceiling for new applicants, varying from 60-75. Feel free to contact us should you need to discuss further.

08: Can my family members also be covered?

Yes. Your spouse or adult partner, (whether or not of the same sex), who is permanently living with you can be included as a Dependant. Also, unmarried child/children/dependent(s) under the age of 18 if living with you, or 23 if in full-time education are eligible for cover. Some insurers automatically cover newborn, some up to 90 days. Generally, the minimum age for purchasing a policy is 18. Please feel free to contact us to discuss further.

09: Will I be covered for any illness or injuries I have had before joining the plan?

Cover for all pre-existing conditions are excluded during the first two years of membership. After this period, should an eligible Medical Condition reoccur, provided you have been free of any symptoms, treatment or advice for a continuous period of two years since joining the plan, then future costs will be covered, subject to the terms of your policy.

10: Am I covered if I travel away from my area of residence?

Yes. Whether you are traveling on holiday or business, you are covered worldwide. If you did not include USA in your area of coverage, it will only be limited to Accident and Emergency Treatment only or it may not be covered at all depending on the plan chosen.

11: Can I seek treatment anywhere in the world?

You are free to seek treatment anywhere within your chosen area of coverage. Traveling expenses will only be covered under the evacuation benefit if treatment is not available or appropriate.

12: Am I covered for winter/water sports?

Yes, most insurers do cover for winter/water sports. Should an accident occur while you are engaged in the sport, if you have opted for medical evacuation, your insurer should cover for rescue services from the place of accident to the medical treatment facility.

13: How quickly can I be covered?

Depending on what you are claiming for, immediate coverage is possible if you can prove simultaneous transference from an equivalent insurance with another international health insurance company or in the event of acute, serious illness or injury. Insurers usually impose a waiting period which is the length of time you have to wait before making a claim. Different medical treatment has different waiting period.

14: How is the policy excess applied?

The policy excess or annual deductible is the total amount you have agreed to pay before the insurer will reimburse. Deductibles can be per policy or per medical claim.

15: How do I know if I’m covered before receiving treatment?

For planned admission to hospital, it is advisable to contact your insurer to clarify and to make payment arrangement. It is important to have a detailed list of benefits and exclusions which can be obtained from your insurer.

16: Can I change the level of cover during the policy term?

You will have a 14-30 day cooling off period, depending on insurer, from receipt of your membership documents in which you can change your level of cover or cancel your policy. After the cooling off period, the terms and conditions stipulated in your policy will remain unchanged until renewal. It is important that you receive all the important information before making that decision.

17: I have cancer, will I be covered?

If you are diagnosed with cancer prior to purchase of medical insurance, it is considered as a pre-existing condition and therefore, it will not be covered. However, if you are diagnosed with cancer after purchase, it will be covered under in-patient and out-patient treatment. Depending on the development of your cancer, it may be considered as a chronic condition which will then be subjected to the limit set by your insurer. Should you need to discuss further, please feel free to contact us.

18: Is chiropractics/osteopathy covered?

Whether chiropractics/osteopathy is covered or not and the level of coverage will depend on the terms and conditions of your policy. Should you require chiropractics/osteopathy to be included in your cover, feel free to contact us and our consultants will be able to advise you accordingly.

19: Is physiotherapy covered?

Whether physiotherapy is covered or not and the level of coverage will depend on the terms and conditions of your policy. Should you require physiotherapy to be included in your cover, feel free to contact us and our consultants will be able to advise you accordingly.

20: If my company covers me, do I still need extra coverage? If yes, what.

This all depends on the coverage that your company provides and what you need. You should ask your company to provide a detailed list of benefits and exclusions which should also include information such as:

- your coverage, whether it covers hospitalization or not
- your annual maximum limit
- whether it covers private clinics or special department of public hospitals
- whether it provides international coverage

The insurer covering your company will have all these information. Should you require assistance to review your cover, please feel free to contact us and our consultants will be able to advise you accordingly.

21: What is the difference between travel insurance and international health insurance.

A travel insurance provides short-term medical coverage with no guarantee of renewal. An international medical insurance provides long-term medical coverage with guarantee of renewal.

22: What should a good international medical insurance cover?

What constitutes a good international medical insurance will depend largely on your personal circumstances. It is important to work out your needs so as to have a clear picture of what you are looking for. To help you choose, click here for more information or feel free to contact us to discuss further.

23: If I am no longer working for the company, will I still be covered?

Some insurers cover only group insurance. Thus your cover will cease when you are no longer with the company. Some insurers are able to continue your cover when you leave the company. The terms and benefits may remain the same or differ, depending on insurer. It is important to ensure that you get coverage even after you leave the company, regardless of your state of health. Thus do look for insurers which are able to provide guaranteed lifetime renewal.

24: I have access to local healthcare system. Do I still need to buy any local supplementary or international medical insurance?

It all depends on whether the local health system is acceptable to you and your loved ones. In some countries, there is a long waiting list and priority goes to local nationals verses expatriates. It is important to consider the needs and requirements of you and your loved ones.

25: Do I really need international medical insurance? Is local health insurance sufficient?

It all depends on your future plans and whether the local medical facilities are acceptable to you or not. If you intend to stay permanently in the country where you have been relocated to, and that the local health system is decent and accessible to you, a local supplementary health insurance could be sufficient. However, if you plan to relocate, having a good international health insurance in place would be a wise decision.

26: Can I change my policy condition during the policy year?

You will have a 14-30 day cooling off period, depending on insurer, from receipt of your membership documents in which you can change your level of cover or cancel your policy. After the cooling off period, the terms and conditions stipulated in your policy will remain unchanged until renewal. It is important that you receive all the important information before making that decision.

27: How soon will I receive my claim?

Assuming the claim is covered under your plan, all the paperwork are completed and received by your insurer within the time period set out, you should receive your claim in about 2 weeks.

28: Can I make a claim immediately after joining?

Yes, depending on what you are claiming for, this is possible if you can prove simultaneous transference from an equivalent insurance with another international health insurance company or in event of acute, serious illness or injury. It is always advisable to check with your insurer. Different medical treatment has different waiting periods.

29: At renewal, will my premium increase due to the numerous claims I made last year?

Premium increase at renewal is adjusted based on medical inflation, loading and your move into a new age band and not according to the number of claims you made previously.

30: Do I need to give details of my medical history?

At application, you will be required to fill in a Medical Questionnaire. It is important that you provide accurate information. And if you are not sure as to what should be included, it is better to ask.

31: I would like to change to a new insurer. What do I need to look out for?

If you want to change to a new insurer, make sure that your coverage is the same as your current policy. If you are receiving treatment under your current policy, you can apply for continuing personal medical exclusions under your new policy so as to ensure that your coverage is not interrupted. Be careful not to lose coverage just because you want to save cost. A word of caution, agents or intermediaries are paid based on commission. Make sure you have a very good reason before you switch insurer.

32: What are the advantages of an expat medical insurance?

An expat medical insurance is designed specifically to meet the changing needs of expatriates. It provides expatriates with access to more choices and high level of medical advice, treatment and facility wherever and whenever they need.

33: How do I know when I am receiving good advice?

The process of choosing the best international health and medical plan for you and your loved ones is an extremely challenging and demanding process. Thus it is important that you work with the right party who is able to give you sound advice. Choose an intermediary who is professional, experienced, knowledgeable, truly independent and has professional liability.

34: What is an intermediary?

An intermediary is a third party who offers intermediation services between two parties. In purchasing an International health and medical insurance, one can either go through an intermediary or directly with an insurer or their appointed agent. In choosing which intermediary to work with, one has to ensure that the intermediary is independent and has professional liability.

35: Does expat medical insurance provide coverage for cancer should it occur in future?

Most expat medical insurers provide coverage for cancer in their standard plan. Cover may include diagnosis, treatment, surgery, therapy, reconstructive surgery, home nursing, etc. It is important to read what is cover, what is not and the policy wordings before you purchase.

36: What is pre-existing conditions?

A pre-existing condition is any medical condition which you have had before your policy started.

37: Can my child/children/dependent(s) be covered under my policy?

Yes, unmarried child/children/dependent(s) under the age of 18 if living with you, or 23 if in full-time education are eligible for cover. Some insurers automatically cover newborn, some up to 90 days. Generally, the minimum age for purchasing a policy is 18. Please feel free to contact us to discuss further.

38: Does my girlfriend/boyfriend count as my spouse/partner?

Yes, they will be (even if same sex).

39: What is a chronic condition and will it be covered?

Chronic condition is defined as a disease, illness or injury that possesses at least one of the following characteristics:

  1. ongoing and has no known cure
  2. likely to re-occur
  3. permanent
  4. requires long-term treatment

Some insurers have differing definition of chronic conditions. Some do not cover at all. Some do but with certain terms and conditions.

40: What happens if I want to change my level of cover or cancel my newly purchased policy?

You will have a 14-30 day cooling off period, depending on insurer, from receipt of your membership documents in which you can change your level of cover or cancel your policy. If you decide to cancel and no claims have been made, the insurer will arrange a full refund of any premium paid, provided that they receive your written authority to cancel within the stipulated period. It is important to receive all the important information before making the decision. For a list of information

41: Will my medical fee be paid in full?

This is dependent on the terms and benefits of your policy. If you have chosen a certain level of excess or annual deductible, insurers will only reimburse after that level is achieved. Insurers will pay what is considered usual and customary while your policy is in force. An “Excess” or “Deductible” is the amount of medical expenses that you choose to pay before your insurance company will cover the treatment. If you have a policy with « $50 per condition » this means that if you have a headache and visit your Doctor, you will pay the first $100 towards the cost and any remaining treatment will be covered and any further treatment relating to this specific condition will also be covered. However if, on another occasion, you have a sore throat, then this is another condition and again you must pay the first $100 before the insurance company will cover the cost. “Per year means” that if you have an excess/deductible of « $50 per year » this means that if you have a broken leg for example, you will pay the first $50 towards the cost and any remaining treatment will be covered by your insurance. You will pay nothing else for the remainder of the policy year.

42: Will my premium increase as I grown older?

Premium increase is due to various factors and age is one of them. As we get older, our body system deteriorates and we are likely to need more medical treatment. This in turn increases the risk exposure of the insurer, which is reflected in the premium. Most insurers will limit the premium increase at age 80.

43: Is infertility covered?

Most insurers do not pay for investigations into and the treatment of infertility, contraception, assisted reproduction, sterilization (or its reversal) or any consequence of any of them or of any treatment for them. Even if some do, the amount is limited. Please feel free to contact us to discuss further.

44: Is cosmetic surgery covered?

No insurers will pay for cosmetic (aesthetic) surgery or treatment, or any treatment relating to previous cosmetic or reconstructive treatment. Having said that, cosmetic surgery will only be paid if it is administered immediately after an accident or disease.

45: Can I claim for my psychiatric treatments?

Some insurers cover and some do not. The level of coverage depends on the terms and conditions of your policy. For most insurers covering psychiatric treatments to approve the claims, you must follow the guidelines in the policy wording. Generally, gender re-assignment operations, cosmetic surgery and treatment towards late development in children whether physical or psychological is not covered. If you need psychiatric cover to be included in your policy, our consultants will be able to advise you on the appropriate insurer and take you through the definitions. Please feel free to contact us to discuss further.

46: Will I be covered for my stay at the hospital if my child is receiving a treatment?

Yes, this can be included in your cover. The level of coverage will depend on your terms and conditions. If you require this to be covered in your policy, feel free to contact us for further discussion.

47: How do I make a claim?

To make a claim,

  • you can either pay first and claim later, or
  • your insurer will pay directly to your clinic or hospital due to the direct payment network already established or payment guarantee issued prior to admission, or
  • in cases where you need to be hospitalized immediately, most insurers will pay out directly provided they are informed within the time period set out in your policy agreement, usually within 48 hours of admission
48: Does expat medical insurance provide coverage for cancer should it occur in future?

Most expat medical insurers provide coverage for cancer in their standard plan. Cover may include diagnosis, treatment, surgery, therapy, reconstructve surgery, home nursing, etc. It is important to read what is cover, what is not and the policy wordings before you purchase. Should you need to discuss further, please feel free to contact us.

49: I just found out that I am pregnant. Is there any expat medical insurance plan without a waiting period?

If you are applying as an individual, all insurers will have a waiting period of between 10-12 months. The only way out to avoid waiting period is to join a group plan, where you are covered by your husband’s company or your employer covers you. Should you need to discuss further, feel free to contact us.

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.

Website : www.aoc-insurancebroker.com ; For more information :

contact@aoc-insurancebroker.com ; Thailand@aoc-insurancebroker.com ;

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

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LA CHECK LIST DE L’EXPATRIE AVANT DE PARTIR

Check liste expatries avec AOC Insurance Broker

Cette article contient des suggestions pour les expatries, etudiants et internship afin d’avoir toutes les cles pour une expatriation reussie et de partir rassures et bien couvert contre les risques a l’etranger.

VOUS ET VOTRE FAMILLE

Renseignez-vous sur votre pays d’expatriation :  communiquez avec des expatries sur place, Prenez des informations sur la vie sur place aupres des organismes representes.
Effectuez un check up médical pour tous les membres de la famille (médecin, opticien, dentiste…). Conservez et apportez votre dossier medical.
Vaccinations :  vérifiez la mise a jour des vaccins obligatoires et recommandés pour le pays d’expatriation.
Assurance :  pensez à souscrire et comparez avec un professionnel pour une assurance sante internationale afin couvrir vos frais de santé, l’assistance rapatriement, la responsabilité civile… Pensez aux services fournis par la compagnie du votre lieu d’expatriation (prise en charge – tiers payant non hospitalier etc…)
Scolarisation des enfants : prévenez les ecoles de votre départ et informez-vous sur les possibilités de scolarisation a l’etranger en vous faisant conseillez par des familles installees.

VOS DEMARCHES ADMINISTRATIVES :
Vérifiez la validité des passeports.
Demandez et effectuer les demarches d’obtention d’un visa et ou d’un permis de travail selon votre pays d’expatriation.
Réservez vos billets de transport (avion, train, bateau).
Résiliez vos abonnements : téléphone, internet…
Résiliez vos contrats : assurance auto, assurance habitation, mutuelle santé, eau, EDF / GDF…
Informez l’administration de votre départ : caisse de retraite, CAF, centre des impôts…
Retraite : renseignez-vous auprès de vos caisses respectives pour comptabiliser vos points de retraite.
Courrier : faites suivre votre courrier via un organisme spécialisé.
Demandez votre permis de conduire international  à votre préfecture.

VOS DOCUMENTS :

Conservez une photocopie des documents importants : livret de famille, extrait d’acte de naissances, diplômes… Utilisez un coffre fort electronique afin de securiser vos documents et les avoir a portee de main ou que vous soyez.
Faites des photos d’identités de type passeport.
Demandez votre Carte Européenne d’Assurance Maladie auprès de votre Caisse d’Assurance Maladie si vous partez en Europe.

ASSURANCE SANTE INTERNATIONALE ?

Une assurance assurance santé expatrie est necessaire a l’etranger pour se sentir protéger, vous , votre famille et vos collaborateurs dans votre entreprise.

Nous sommes des professionnels a votre service pour vous apporter notre savoir faire pour vos assurances santés expatriés individuelle et entreprises, vos assurances voyages et assistance, votre prevoyance et complement de revenus ainsi que sur la preparation et la protection de votre patrimoine.

Veuillez completer le formulaire  en suivant le lien ci-dessous pour un devis comparatif gratuit en Sante expatries au 1er Euros, 1er Dollard, en Complement de la Caisse des Francais a l’etranger et ou en complement de l’OSSOM  :  DEMANDE D’ETUDE COMPARATIVE

Nous vous proposons de completer cette demande de RDV telephonique au jour et a l’heure de votre convenance afin de vous conseiller sur nos plans internationaux d’assurances et repondre a toutes vos questions.

Website : www.aoc-insurancebroker.fr  ;

For more information :contact@aoc-insurancebroker.com ;Thailand@aoc-insurancebroker.com ; china@aoc-insurancebroker.com ;

morocco@aoc-insurancebroker.com

Follow us on Twitter : AOCInsurance
Facebook : AOC Insurance Broker

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