MyHEALTH Asia, your international health insurance

At APRIL, we believe you should only have to pay for what you need, and nothing else. You can customise your plan to meet your healthcare needs and budget in just a few steps.

Our Hospital & Surgery module will form the basis of your plan and you can choose to add optional Outpatient, Maternity and Dental/Optical modules. For each module, you can choose from 3 levels of cover: Essential, Extensive and Elite. You can further personalise your cover by selecting your area of cover and discount options. Each family member can have different plan selections under MyHEALTH. Emergency assistance and repatriation is included in all plans.

With MyHEALTH Asia, you can choose your area of cover: Worldwide or Worldwide excluding USA. You will enjoy the same level of coverage and benefits whether you are in Asia or travelling abroad.

We offer portability options so you can take your policy with you if you move to most countries worldwide.

Yes, you can purchase MyHEALTH if you already benefit from a local or company-provided health insurance coverage that isn’t sufficient for you. You can opt for a Hospital & Surgery cover with a deductible (that will be covered by your local plan), as well as optional benefits, such as Outpatient or Dental/Optical.

What does it mean concretely? In case of hospitalisation, your local plan will cover you up to its limit, and APRIL will cover the remaining cost of treatment (up to your annual limit, too). Depending on the modules you choose, MyHEALTH can also cover you for any benefits that are not covered by your local plan.

We offer 3 underwriting methods under MyHEALTH Asia: FMU, Moratorium and CPME.

Under FMU (Full Medical Underwriting), you will have to declare your full medical history during your application. An offer will then be made to you based on your health declaration.

Moratorium is a simplified underwriting method. Your pre-existing conditions may become eligible for coverage after a two-year treatment- and symptom-free period.

Finally, CPME (Continuous Personal Medical Exclusions) allows you to continue your cover under the same terms as your previous health insurance provider without further medical underwriting. To be eligible, your previous insurer must be part of our approved list.