April International Limited

For over 30 years, APRIL International Care, an APRIL Group company, has been specialising in international health insurance solutions. We design, distribute and manage insurance plans and assistance services for individuals - travellers or expats - and businesses.

APRIL group member

  • An international insurance group established in 1988
  • The leading wholesale broker in France
  • A company listed on the Paris stock exchange since 1997
  • Over €1 Billion of consolidated turnover in 2019

Vision & ambition

By combining local presence and international expertise, we aim to facilitate our customers' access to top quality healthcare by providing flexible health insurance products to meet their needs, wherever they are in the world.

Our key figures

As a business line, APRIL International Care has:

  • 130,000 insured members in 180 countries
  • 260 employees
  • €140M collected
  • 20,000 distribution partners
  • 26 different nationalities of employees
  • 12 countries of operation

Our business model

In Asia, we offer a range of products designed for people living in the region:

In Hong Kong, it's leading product for individuals, small and medium sized enterprizes is it's 'MyHealth' product, summarized as below:

APRIL 'MyHEALTH' TABLE OF BENEFITS as of January 2020

HOSPITAL AND SURGERY PLANS - COMPULSORY

ANNUAL LIMIT

ESSENTIAL

EXTENSIVE

ELITE

Private room accommodation for hospital services

$1,500,000

$2,500,000

$3,000,000

OUTPATIENT PLANS - OPTIONAL

General Practitioner and specialist consultation fees

Fully Covered

Medicines and drugs and tests

Fully Covered

Physiotherapy (with Referral)

$1,000

Fully Covered

Combined limit for all benefits listed in the Complementary Medicine
including Traditional Chinese Medicine

$750

$1,500

$3,000


Chiropractor, osteopath, podiatrist, speech therapist

Fully covered
Up to the combined limit


Acupuncturist, Ayurveda practitioner, bone setter, Chinese medicine practitioner, naturopath, homeopath

Up to $80 per visit

Up to $100 per visit

Up to $150 per visit

Medical checkup including standalone screenings,
e.g. mammography, prostate cancer screening No referral required
Outpatient co-insurance percentage does not apply

$250

$500

$750

Vaccinations
No referral required
Outpatient co-insurance percentage does not apply

$250

$400

DENTAL AND OPTICAL BENEFIT - OPTIONAL

Minor dental treatment

$1,000

Major Dental treatment
Waiting period of 300 days to the data of service applies (Policy Terms and Conditions Section 8.1.3)

No Cover

$2,500

Eye examinations, frames, prescription contact lenses and prescription lenses

No Cover

$300

MATERNITY MODULE
Available to women between 19 to 45 years

Hospital and Surgery

-on a nil deductible basis

Maternity Benefit limit

$5,000
per pregnancy

$10,000
per pregnancy

$15,000
per pregnancy

REPATRIATION, EVACUATION AND ASSISTANCE SERVICES

Emergency medical evacuation and medically required repatriation

Fully Covered

Repatriation of mortal remains

Fully Covered

Get an APRIL health insurance quote now

MyHealth : individual Insurance for you and your family

You may be a local citizen, an expat or a permanent resident; either way, this plan is for you! Whether single, a couple, with your family or retired, MyHEALTH offers you flexible and comprehensive international medical cover as well as repatriation assistance benefits for your peace of mind.

Build your own policy from three tiers of inpatient, outpatient, maternity and dental/optical modules. Choose to get either worldwide cover or worldwide cover excluding the USA.

SMALLER GROUPS

'MyHealth - For companies with up to 20 Adults:

For smaller companies of one or more staff, APRIL groups together a collection of its MyHealth individual plans and provides discounts based on the nunber of staff.

IF you have 10 or more adults to insure, APRIL offers to:

  1. disregard medical history and
  2. will also offer a guarantee for staff to be able to continue cover as an individual, on leaving the company.

At renewal, APRIL will apply renewal rates that reflect the claim experience of April's portfolio of all its individual MyHealth plans. However, if after 2 years the loss ratio is above 85%, April will thereafter rate your company on the basis of its claim experience directly.

Develpomental Disorders

If you include the optional Outpatient benefits in your cover, APRIL offers a lifetime benefit of USD1,000 for Extensive and USD1500 for Elite, to cover the costs of :

  • physicians,

  • psychologists,

  • psychotherapists, as well as

  • diagnostic scans and tests, medicines and drugs

prescribed by a physician for a behavioural or developmental disorder. If this cover is a particular concern to you, April will be willing to offer higher limits.

Original Receipts required

When it comes to claims over USD800, APRIL requires you to post them a copy of the original receipt.

Hospital Admission

IF you know your are going to hospital, it is vital that we advise April a full 5 days in advance, to enable them to negotiate with the doctor and hospital. If we fail to do this, April will only pay 80% of the bills. IF it is an emergency admission, there will be no such deduction.

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LARGER GROUPS

YourHealth - For companies with more than 20 Adults:

April's 'YourHealth' group product is a totally customizable plan where you determine the level of benefits your company needs and can afford.

At renewal your company will be offered renewal terms that reflect your company's claim experience.

HKAOA Member Medical Scheme

Exclusively available to HKAOA Members, the scheme is designed to

  • Enable members to defer cover until they leave the airline
  • Top-up or replace your current family cover at low cost
  • Let you take your cover with you when you go, wherever you go, regardless of your health
  • Provide global cover with a huge range of options
  • Ensure a very quick and simple application process for Class 1 medical holders on active flying duty

The HKAOA Members Medical Scheme is offered by Indigo Global, administered by APRIL Hong Kong Ltd and underwritten by Liberty International Insurance Ltd. This exclusive scheme comes with a range of benefits exclusively designed for HKAOA Members.

HKAOA Logo

Deferred Cover for Pilots

US$250 per annum ($200 if dependants are also insured) ensures that when you leave the airline you can opt to upgrade to be fully insured regardless of your state of health.

Family Benefits

Highly preferential rates for members with super-flexible cover options for every family member and to meet all budgets.

Top-Up Options

50% co-insurance option designed to top-up existing airline dependants plan to 100% coverage at low cost.

Portable

Keep your cover in place when you leave the airline or move location (some restrictions, such as the USA may apply).

CPME

Continuous Personal Medical Exclusions means that even if you have equivalent individual cover from anther insurer and have made claims, you can transfer to the scheme on the same terms.

Local Service

Fully administered in Hong Kong with a strong direct billing network including your favourite clinics and GP practices. Employee benefits specialist – for more information about the HKAOA Members Medical Scheme, please contact Indigo Global at hkaoamedical@indigo.com.hk or call them at +852 2297 9603.

APRIL International Care

Administrating the scheme, experts in International health insurance, with 4,000 employees in 33 countries.

Liberty International Insurance Ltd

Underwritten by the Hong Kong arm of Liberty Mutual Group of Boston, one of the USA’s largest mutual insurers.

HKAOA Member Medical Documents:

Download all as zip

Portability

Providing April agrees at the beginning of the policy year, April will offer an individual Policy to Group members and all their dependants covered under their company Policy, following the termination of and employee's:

  • employment with,
  • engagement by
  • or partnership

of the policyholder/company.. providing the employee has been insured with his/her dependents for a full year.

Any request under this provision must be made within thirty (30) days prior to the last day on which the Insured Person will be covered under this Policy (the “Group Policy Deletion Date”), and must be accompanied by a completed Application.

If it was not reasonably possible to make such request prior to the Group Policy Deletion Date, the Insured Person may make a late request, but under no circumstances shall the company be required to consider any member‟s request made more than thirty (30) days after the Group Policy Deletion Date.

In the case of death of an eligible insured person, applications for portability by the deceased‟s dependants will be considered for up to sixty (60) days following the death of the eligible insured person. The effective date shall be the day following the Group Policy Deletion Date.

The following special conditions apply to this provision:

1) April shall not be required to offer a policy to any individual who:

a. would not be eligible for coverage based on their usual country of residence on the Group Policy Deletion Date, as stipulated in the most up to date Liberty Hong Kong Business Acceptance Guideline document at the time of leaving the group;

b. has achieved the age of 66 years on the Group Policy Deletion Date or,

c. has been included on the namelist for less than one year on the Group Policy Deletion Date or has not met any other waiting period criteria set at the outset of the policy.

2) This provision shall have no effect and we shall not be required to offer a continuation policy if this Policy:

a. has been terminated; or

b. the new policy does not cover all eligible dependants covered by the Group Policy on the Deletion Date.

3) Benefits and policy terms will be based on the closest equivalent MyHealth Individual policy benefits on the Group Policy Deletion Date. The definition of 'closest equivalent´ will be at April's sole discretion.

Any requested upgrades in benefit in excess of the 'closest equivalent' policy will be subject to full medical underwriting.

4) Premiums for the first year after an Insured Person transfers to an individual policy under the terms of this endorsement, will be the published rates in force at the time of leaving the group policy. Renewal premiums for the individual policy, if renewed, will be determined according to the claim experience of all policies in the appropriate individual product pool.

5) April shall have the right to refuse to offer a Policy if they determine, in their sole discretion, that the member, while remaining or continuing to be employed, reemployed or engaged by the policyholder in any way, was terminated and/or deleted from this Policy, primarily for reasons of ill health or claim history; or to reduce the risk of medical claims under this Policy.

6) Individual underwriting will be conducted in respect of each applicant. Special terms may then be applied, limited to a maximum medical loading of 50% of the prevailing published rate for the MyHEALTH Individual 'closest equivalent' policy.

This offer from April is to offer a standard 10% off their best selling 'MyHealth' product, according to the following Criteria

Eligibility criteria
> Any applicant working for an airline company or who was employed before the 30th September 2020
may apply for the plan and cover their family under the same scheme
> Proof of employment (such as payslip) will be requested

Documents

underwriting details

comparison details

PallasHEALTH

PallasHEALTH is a comprehensive, global medical insurance plan with extraordinary high coverage and great freedom of personal choice. Offering guaranteed lifetime renewability. PallasHEALTH provides you with high annual coverage against major medical expenses – anywhere in the world, any time and for life. Pallas is available to persons residing in Hong Kong, Singapore and throughout Asia.

PallasHEALTH is an international medical insurance plan for individuals and employee groups. It provides coverage for acute illness, accidental injury and chronic illness.

Area of coverage can be worldwide or exclude North America and the Caribbean. For North American Exclusion policies, losses arising during the first 30 Travel Days in North America and the Caribbean from sudden illness and accidental injury are covered up to a limit of US$50,000 in any policy year.

Medical questionnaires are required from each person to be insured. These questionnaires are underwritten by the Administrator of the plan. Medical conditions identified may be excluded OR cover may be offered for such conditions with or without a supplementary premium loading.

SIGNIFICANT FEATURES AND BENEFITS

Module I (Hospitalisation & Out-patient Surgery)

  • Full cover for hospitalisation and out-patient surgery, cancer and chronic conditions.
  • Emergency evacuation and repatriation up to US$500,000 per event
  • Second Opinion Services
  • Complications of Pregnancy included in core cover.
  • Pre-hospitalisation and Post-hospitalisation fully covered up to 30 days prior to and 90 days following confinement
  • Full cover for newborn children born after 12 months of cover, including congenital conditions and acute illnesses, except for conditions from electively induced births

Module II (Out-patient Benefits)

  • Full cover for GP and Specialist consultations
  • Full cover for medicines and drugs
  • Medical check up, up to US$ 1,000 per year
  • Complementary medicine including Chinese medicine

Module III (Maternity Benefits)

  • Pre and post-natal and delivery up to US$15,000 per pregnancy
  • 12 month waiting period
  • Selected deductible does not apply to this module
  • Maternity cover is only available to females aged between 19 and 45.

Module IV (Dental & Optical Benefits)

  • Minor dental treatment up to US$ 1,000 per year
  • Other dental treatment up to US$ 2,500 per year with 80% co-insurance
  • Prescription lenses/contact lenses & optical examinations up to US$300 per year
  • Selected deductible does not apply to this module

SIGNIFICANT EXCLUSIONS AND LIMITATIONS

  • Pre-existing conditions unless accepted at underwriting
  • Cosmetic treatment
  • Vitamins and supplements
  • Non-prescription medication
  • Birth control, infertility treatment, venereal disease
  • Obesity surgery or treatment
  • Assisted conception, contraception including sterilization, fertility, sexual dysfunction, induced abortion
  • Treatment by a psychologist or any treatment, care or test related in any way to self-inflicted injury, suicide or attempted suicide, deliberate exposure to exceptional danger except in an effort to save human life, abuse of alcohol, drugs and/or medicines, sleep disorders, learning difficulties, behavioural or developmental disorders.
  • Travel expenses incurred to obtain medical treatment other than in the course of an emergency medical evacuation we have approved in advance, or which has been approved by our appointed 24-hour emergency medical assistance centre.
  • Waiting periods apply to some dental benefits; maternity and complications of pregnancy; & the newborn benefit

PallasHEALTH Documents:

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