April International Insurance
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Overview
- Basics
- History
- Jurisdiction
- Ratings
Key Facts
- Specialized international health insurance provider with a digital-first approach
- Established in 1988 in France, now operating in 40+ countries globally
- 50,000+ healthcare providers in their global direct billing network
- Pioneer in insurtech solutions with award-winning Easy Claim app
- 24/7 multilingual customer support in 15+ languages
- Specialized plans for expats, digital nomads, and international travelers
- Coverage options for individuals, families, students, and corporate groups
- Known for exceptional customer service and fast claims processing
Digital Solutions
April International distinguishes itself through innovative digital tools designed to simplify the insurance experience:Easy Claim App
- Submit claims in under 60 seconds
- Scan and upload receipts directly
- Track claim status in real-time
- Receive reimbursements within 3-5 business days
- Access your virtual insurance card
- Find nearby in-network providers with GPS
- Chat with customer support
- Available for iOS and Android
Easy Pay Card
- Physical and digital payment card
- Direct billing with 50,000+ providers
- No out-of-pocket expenses at network facilities
- Real-time coverage verification
- Automatic claims submission for card payments
- Transaction history viewable in app
- Contactless payment capability
- Enhanced security features
Telehealth Services
Virtual Consultations
- 24/7 access to licensed physicians
- Available in 12 languages
- Prescription services where legally permitted
- Integrated with your medical records
Second Opinion Service
- Access to specialist consultations
- Review of diagnosis and treatment plans
- Available for serious or complex conditions
- Typically delivered within 48 hours
Mental Health Support
- Video counseling sessions
- Licensed therapists and psychologists
- Stress management resources
- Confidential and secure platform
Our Broker Opinion
Expert Analysis
April International stands out in the global insurance market for their exceptional digital tools and streamlined user experience. Their Easy Claim app and Easy Pay card system represent the cutting edge of insurtech innovation, making them particularly appealing to tech-savvy expats and digital nomads who value efficiency and simplicity.
While their premiums are comparable to other major international insurers (sometimes 5-10% higher than budget options), the time savings and convenience of their digital solutions provide significant value. Their claims processing is notably faster than industry averages, with most digital claims paid within 3-5 business days compared to the industry standard of 10-14 days.
- Industry-leading mobile app and digital tools
- Exceptionally fast claims processing
- Intuitive user interfaces requiring minimal effort
- Strong direct billing network in urban centers
- Excellent customer service with multilingual support
- Flexible plan customization options
- Slightly higher premium costs for digital conveniences
- Network coverage stronger in urban areas than rural
- Some features require reliable internet connectivity
- Digital approach may challenge less tech-savvy users
- Annual renewal increases averaging 7-10%
- Limited coverage options in certain African countries
Plan Comparison
| Plan Type | Best For | Coverage Highlights | Starting Price |
|---|---|---|---|
| MyHealth Access | Digital nomads, young travelers | Hospitalization, emergency care, basic outpatient services | $75/month |
| MyHealth Essential | Expat families, remote workers | Full hospitalization, comprehensive outpatient, preventive care | $160/month |
| MyHealth Extensive | Executives, retirees abroad | Premium coverage, private rooms, dental, vision, maternity | $295/month |
*Pricing is approximate and based on a 35-year-old individual. Actual rates vary by age, location, and health status. Last updated: May 2024.
Customer Reviews
★★★★★Trustpilot
4.5/5 from 1,200+ reviews
★★★★½Google Reviews
4.3/5 from 800+ reviews
Frequently Asked Questions
What areas does April International cover?
What areas does April International cover?
April International offers coverage across multiple geographic zones:
- Zone 1: Worldwide coverage including USA and Canada
- Zone 2: Worldwide coverage excluding USA and Canada
- Zone 3: Selected countries (mainly Asia, Middle East, and Africa)
- Zone 4: Regional coverage options for specific areas
How does the Easy Pay card system work?
How does the Easy Pay card system work?
The Easy Pay card is April’s innovative direct billing solution:
- You receive both physical and digital versions of your Easy Pay card
- When visiting network providers, present your card at registration
- The provider verifies your coverage electronically in real-time
- Approved treatments are charged directly to April (no out-of-pocket payment)
- The claim is automatically processed in the system
- You’ll receive notification of the claim settlement via the Easy Claim app
What waiting periods apply to April's plans?
What waiting periods apply to April's plans?
April International applies standard waiting periods for certain benefits:
- General medical care: No waiting period for new conditions
- Pre-existing conditions: 24-month waiting period (if coverable)
- Maternity benefits: 10-month waiting period
- Dental care: 3-month waiting period for routine care, 9 months for major work
- Optical coverage: 6-month waiting period
How are prescription medications covered?
How are prescription medications covered?
April’s prescription medication coverage varies by plan level:
- MyHealth Access: Emergency medications only
- MyHealth Essential: Prescribed medications following hospitalization and for treatment of serious conditions
- MyHealth Extensive: Comprehensive prescription coverage including maintenance medications
Learn More About April
Sales Process
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Claims Process
How to submit claims, track status, and get reimbursed quickly
Policy Renewals
Managing your policy changes, renewals, and coverage adjustments
Expert Tip from our Brokers
April’s Easy Claim app offers a “paperless claims” feature that can accelerate reimbursement by 2-3 days. For claims under $500, simply taking clear photos of your receipts through the app is sufficient—no need to mail original documents. For larger claims, you’ll still need to keep originals for 12 months in case of audit.