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For all your stays abroad longer than 12 months
At home, you can count on the health insurance system of your country. But abroad, it's different! To get complete cover, there is only one solution: international long-term insurance. Valid wherever you are, this all-in-one protection guarantees you easy and suitable healthcare reimbursements.
Your insurance is 100% mobile and always close at hand. Protecting your health abroad has never been easier.
Long-term international health insurance is designed for anyone who lives outside their home country for an extended period. It provides access to medical care abroad and long-term coverage for healthcare costs, with contracts that are renewable annually.
This type of insurance is specifically tailored to expatriates and internationally mobile individuals, offering protection that suits different lifestyles, healthcare systems and international standards.
Long-term international health insurance typically offers:
Annually renewable policies, suitable for long stays abroad
More comprehensive cover compared to short-term insurance
Worldwide cover, depending on the chosen area of cover
It is designed to support both everyday healthcare needs and more serious medical situations, wherever you are in expatriation, within your chosen area of cover.
Travel insurance is intended for short trips and typically covers medical emergencies as well as missed or cancelled flights and lost belongings.
Long-term international health insurance provides continuous, comprehensive healthcare cover for expats or long-term international residents.
Local health insurance is usually limited to your country of residence and may not meet international standards.
In contrast, international health insurance provides cover anywhere in the world within your chosen area of cover, and ensures continuity of cover, even if you relocate.
Access to public healthcare varies widely from one country to another and may be restricted for foreign residents.
International health insurance provides reliable access to private or public healthcare, depending on local regulations.
Living abroad often means navigating unfamiliar healthcare systems, varying levels of care and potentially high medical costs.
With long-term international health insurance you can:
Access quality healthcare wherever you are within your chosen area of cover
Benefit from multi-lingual medical and administrative support
Protect yourself and your family from unexpected medical costs
It offers peace of mind throughout your expatriation, whatever your destination.
Every international move is different. Whether you are relocating for work, family reasons or retirement, long-term international health insurance offers flexible solutions that adapt to your needs and lifestyle.
Your covercan be adjusted based on:
Chosen area of cover
Your personal and family healhcare needs
This flexibility allows you to chose a solution that best suits your needs and budget.
Choosing the right international health insurance depends on several key factors:
Country of residence
Healthcare costs and standards differ widely by country.
Quality of the local healthcare system
Public and private healthcare access may vary.
Budget
Balancing cost and level of protection.
Personal circumstances
Single, family or retiree.
Visa or residency requirements
Some countries require proof of health insurance, so ensure the plan you chose is approved locally.
Desired level of cover
Essential protection or extended benefits.
A specialist in international health insurance can help you select the most suitable solution for your needs.
APRIL International specialises in international health insurance for expatriates and globally mobile individuals.
With lover 30 years of experience and expertise, APRIL International supports policyholders throughout their journey abroad by offering:
Health insurance solutions designed for long-term life abroad
Dedicated, multi-lingual support teams who are familiar with expatriate needs
Clear, structured cover adapted to international healthcare systems
APRIL International’s approach focuses on reliability, clarity and long-term support. Discover our network.
Individuals residing outside of their home country on a long-term basis need health cover adapted to their host country.
Individuals working abroad can benefit from healthcare protection that that protects them internationally
Independent professionals and digital nomads require flexible health insurance that is not tied to a single country.
Families need comprehensive protection for all members, including access to healthcare services adapted to life abroad.
Retirees living overseas need reliable long-term health protection, especially in countries with limited public healthcare access.
Depending on the plan selected, long-term international health insurance may include:
Outpatient medical care
Specialist consultations, tests and prescribed treatments
Hospitalisation
Inpatient care, surgery and hospital stays
Emergency treatment
Immediate medical care in case of an emergency
Maternity cover
Pregnancy and childbirth-related care (subject to conditions)
Dental and optical care (optional)
Routine and preventive treatments
Medical evacuation and repatriation
Organisation and cover when medically necessary
International liability (if applicable)
Protection in case of damage caused to third parties
Therapy
Physiotherapy and complementary therapies, such as osteopathy, Chiropractic, homeopathy and acupuncture, when referred by a physician
Mental health support
General physician and consultant fees, counselling, cognitive behavioural therapy and psychotherapy
24/7 worldwide assistance
Access to support services wherever you are
Levels of cover vary according to the plan chosen.
Travel insurance is designed for short trips and typically covers medical emergencies as well as missed or cancelled flights and lost belongings.
Long-term international health insurance provides continuous, comprehensive healthcare cover for expats or long-term international residents.
Long-term international health insurance is not mandatory in all countries, but it may be a pre-requisite for visas, residence permits or employment contracts.
Even when not compulsory, it is strongly recommended to ensure access to healthcare and manage medical costs abroad.
Yes, it is generally possible to take out international health insurance after relocating, subject to underwriting conditions and waiting periods.
The cost depends on several factors, including:
• Area of cover
• Age and how many people you want to cover - yourself only, your spouse or children
• Medical history
• Additional policy options
• Excess
• Level of cover selected
There’s no one-size-fits-all price: plans are tailored to suit different needs and budgets.
Yes, long-term international health insurance is designed for globally-mobile individuals
In most cases, cover can be maintained if you move to another country, subject to the policy terms and chosen geographic area.
Managing your claims has never been easier. Submit, track, and update your reimbursement requests anytime, anywhere - quickly and securely.
Simply answer a few questions, upload your medical bills and supporting documents, and submit them via the app.
But that’s not all! Access your insurance card, request hospitalisation, get a second medical opinion, speak to a doctor 24/7, find nearby medical providers, and more - all in one app.
Fast. Simple. Convenient.
Long-term international health insurance: formulas adapted to every need
When you move abroad for a business project, as part of your retirement, for a local contract, on a secondment mission, or for another reason, you become an expatriate worker. In most cases, you lose your Social Security rights from your home country. You then depend on the insurance system of the country where you are settling.
A long-term international health insurance provider at your side
Taking out international health insurance can help cover medical expenses that are sometimes very expensive abroad.
APRIL International has got your back: our insurance formulas for expatriates have been designed to cover your healthcare costs beyond borders. This includes not only hospitalisation and repatriation costs, but also everyday medicine, prevention, dental care, vision, maternity, and more.
Embark on your professional activity abroad with peace of mind.
