April International Health Insurance
Who is April International
April International is part of the April Group, an independent French insurance services company founded in 1988 and headquartered in Lyon, France, with regional offices in Paris, London, Cologne, Hong Kong, Singapore, Bangkok, Ho Chi Minh City, and Mexico City. The group employs over 2,400 people worldwide and serves clients in more than 180 countries.
April International specializes in international health insurance solutions for expatriates, globally mobile individuals, and corporate clients, combining the strength of a global network with local expertise. Its health plans are known for flexibility, ranging from emergency-only to comprehensive and catering to both individuals and groups.
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Advantages with April International
Clients decide to obtain global medical insurance with April International due to various reasons, including the below highlighted.
Customized insurance cover
Tiered and modular insurance cover structure, with deductible or co-insurance to tailor your global insurance plan
5-star reliability and trust
Long-term international health insurance provider with high-level customer service experience and sustainable long-term pricing.
Flexible payment options
Choose to pay by bank transfer or credit card with payment frequencies from monthly to annually
Medical provider network
Large global network with hospitals, clinics and doctors to ease acceptance of insurance card and direct billing
Online customer app
Conveniently download your policy documents, submit claims, and manage your policy online.
24/7 support services
A customer service team that is available night and day 365 days per year. English and French the main language
Different area of cover options
Select the coverage area that suits your policy best. Worldwide, or worldwide excluding USA.
Easy Claim App
Fully digital and customer friendly way to submit, manage, and observe reimbursement requests
April International’s Private Medical Insurance Plans
- Plan levels: Core, Plus, Premier
- Area of cover: Worldwide, worldwide excluding USA
- Optional modules: Outpatient, Optical/Dental, Maternity
- Deductible: between USD 0 and USD 5’000
- Outpatient co-insurance: between 0% and 70%
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Which application forms does April International offer?
Applying for international health insurance always requires an application form, a passport copy of all insured individuals, and proof of address (for example, a utility bill, a credit card statement, a letter from the authorities or similar that is not older than 3 months). The following application types are offered:
- Full Medical Underwriting (FMU): requires applicants to complete a comprehensive medical questionnaire as part of their application. You are expected to disclose any past or present medical conditions, including those that have been formally diagnosed as well as symptoms that have not yet resulted in a diagnosis. Based on this information, the insurer will decide whether to approve the application without restrictions, exclude specific pre-existing conditions from coverage, or accept the condition with a premium loading to reflect the increased risk. FMU is often preferred by individuals who value transparency and want clarity about what is covered and what is not, right from the start of their policy.
- Continuous Personal Medical Exclusion (CPME): is typically offered when you are transferring from one international health insurance company to another. This underwriting method seeks to maintain the same medical exclusions already applied to your existing policy. A medical questionnaire is mostly still required, but in a reduced format. CPME is especially useful for those who have already undergone FMU and wish to switch insurers without losing access to previously agreed terms. However, availability depends on the specific insurers involved and is not universally offered.
What are the benefits of having SIP as your April International broker?
As an independent insurance broker, we work with more than 20 international health insurance companies. As insurance professionals, we represent the interest of private and corporate clients towards the insurance company.
With us as your advisor, you benefit from negotiated premium discounts, support with claims and guarantee of payment requests, as well as annual renewal offer reviews and negotiations.
April International FAQs
Yes. The age limit to apply for international cover with April International is 74 years. Once you enrolled with a policy, you can renew and continue the cover for life.
Yes. The policies of April International are only available for expats. This means that you must live or work outside of your country of nationality.
Yes. It is possible to obtain cover with April International as a USA resident. Equally, you can include USA cover in your policy when living anywhere else.
Yes. For UAE residents, April International offers international private medical insurance plans that are compliant with the domestic health insurance obligations.
No. The policies of April International are not made for professional athletes and will always exclude any cover related to the practice or competition of a sport as a professional athlete.
You can select to apply either a co-insurance or a deductible on your cover. With a co-insurance, this means, for example, that only 90% of any medical services are insured.
As an important partner of April International, we can negotiate discounted premiums for you.
