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APRIL International Care France (health risk insured by Groupama Gan Vie; assistance/personal liability by CHUBB European Group SE)

MyHealth International

Last verified June 10, 2026 Check current price
Type
International health insurance
Price from
€52 / month
No public rate table; premiums are individual quotes depending on age, country of residence, plan tier (Explore/Essential/Extensive/Elite), cover zone (worldwide incl. or excl. USA), annual deductible (€/US$500-5,000) or 10-30% outpatient co-payment. The ~€52/month figure derives from APRIL's official cost guide (prices stated as of January 2026): €624/year for a 30-year-old German national living in Thailand on basic cover; the guide does not name the exact plan tier or deductible, so treat it as indicative only. Premiums payable in EUR or USD; monthly instalments only via SEPA direct debit in EUR.
Maximum age
74
Coverage maximum
Annual overall limit per insured by tier: Explore €/US$500,000; Essential €/US$1,500,000; Extensive and Elite unlimited for treatment outside China, Hong Kong, Japan, Singapore and the USA, where caps of €/US$2,000,000 (Extensive) and €/US$4,000,000 (Elite) apply. Hospitalisation, medical evacuation/repatriation and oncology covered at 100% on all tiers. Max enrollment age 74 applies in most countries; reduced to 60 for residents of Brazil, Chile, China, Costa Rica, Hong Kong, Japan, Mexico, Singapore, Taiwan, Thailand, UAE, UK and USA (per 2026 Terms & Conditions, Ref. NMHI26).
Home-country visits
Covered
Schengen 30k compliant
Yes

Strengths

  • Four plan tiers with annual limits from EUR/USD 500,000 (Explore) up to unlimited (Extensive/Elite; capped at EUR/USD 2M-4M for treatment in China, Hong Kong, Japan, Singapore, USA)
  • Enrollment from age 10 up to 74 in most countries; one-year contract with automatic renewal
  • Hospitalisation, medical evacuation and cancer treatment at 100% on all tiers, with hospital direct billing and free unlimited 24/7 telehealth (Teladoc)
  • Covered countries selectable a la carte including the country of nationality; assistance and personal liability benefits apply worldwide including home country

Limitations

  • Full medical underwriting via health questionnaire; pre-existing conditions can lead to special terms or refusal, and enrollment is limited to ages 16-60 for residents of 13 listed countries (incl. Thailand, UK, USA, China, Japan, UAE)
  • Eligibility requires residing outside the country of nationality; cover ends on the day of permanent return home
  • Hospitalisation requires pre-approval (50% reimbursement penalty if skipped) and use of the plan-tier hospital network (40% co-payment outside the network except emergencies)
  • Outpatient, dental, optical and maternity are paid add-ons with waiting periods (3-6 months dental, 6 months optical, 12-24 months maternity); no public price list, quote required

Visas this plan qualifies for

Links to APRIL International Care France (health risk insured by Groupama Gan Vie; assistance/personal liability by CHUBB European Group SE) may be affiliate links — how we earn. Product facts come from the insurer's official documents (sources below), not from reviews.

Sources