April International Insurance | Global Coverage for Expats & Nomads
Complete guide to April International insurance offerings, including innovative digital tools, global health coverage options, policy features, and customer reviews
April International Insurance
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Overview
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
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
Company History
- Founded in 1988 in France as a specialized travel insurance provider
- Expanded into international health insurance in the 1990s
- Developed its first digital claims platform in 2003, well ahead of industry standards
- Launched the revolutionary Easy Claim mobile app in 2016
- Introduced the Easy Pay direct billing card system in 2018
- Expanded significantly in Asia-Pacific markets between 2010-2020
- Acquired several regional insurance providers to strengthen global presence
- Recognized with multiple insurance innovation awards for digital solutions
- Currently services over 130,000 members across 40+ countries
- Consistently ranked among top 5 international health insurers for technological innovation
Operating Jurisdictions
- European Union (Headquarters: Lyon, France)
- Asia-Pacific (Regional HQ: Hong Kong)
- North America (Operations center: Montreal, Canada)
- Middle East (Regional office: Dubai, UAE)
- Licensed in 40+ countries with full regulatory compliance
- EU passporting rights for seamless European coverage
- Special arrangements for coverage in challenging jurisdictions
- Strong focus on regulatory compliance in all operating markets
- Member of international insurance oversight organizations
- Regular regulatory audits with consistently positive results
Financial Ratings
- Standard & Poor’s: A- (Strong) - Last updated February 2024
- A.M. Best: A (Excellent) - Last updated November 2023
- Fitch: A (Strong) - Last updated January 2024
- Consistent ratings maintained over the past 8 years
- Capital reserves 20% above regulatory requirements
- Strong risk management framework with quarterly assessments
- Transparent financial reporting practices
- Conservative investment philosophy focusing on stability
- Annual financial health certification by independent auditors
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
4.5/5 from 1,200+ reviews
4.3/5 from 800+ reviews
Frequently Asked Questions
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Sales Process
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Claims Process
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Policy Renewals
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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.