V.

I MEMBERS’ GUIDE
2022
Updated 20/12/2021
Welcome to APRIL
International!

During your assignment, you benefit from

comprehensive international insurance cover
selected for you by Business France through Filhet-
Allard.

Your cover is managed by APRIL International.

We support you throughout your stay with benefits

and services designed to suit your profile, from the
first day of your assignment, anywhere in the world.

This practical guide gives you an overview of your insurance cover and the procedures to follow
to make a claim under the plan. You will find more detailed information on your benefits in the
information booklet available in your Easy Claim app.

This booklet contains information on the scope of your insurance cover. It describes the benefits
to which you are entitled, how to claim them and what is not covered under your plan.

To take full advantage of your international cover, please take the time to read this booklet
carefully.

Good to know:
Your dependants may also be covered under certain conditions (see page 20, Practical
Information). Remember to declare them within 30 days of the start date of your assignment!

Your benefits 24/7 anywhere in the world

Repatriation Legal
assistance protection

Medical Death &

expenses disability
from the 1st
euro

Personal liability Special risks

(private capacity)
2
What’s in your
members’ guide?

1. YOUR SERVICES > P4-5

Your dedicated team
Your insurance card
Your Easy Claim App

2. YOUR HEALTHCARE COVER > P6-12

Table of benefits
Cover of COVID-19
How to claim the reimbursement of your medical expenses
What to do if you are hospitalised

3. WHERE TO GET TREATMENT > P13-15

Talk to a doctor 24/7 via teleconsultation
Your medical referral service
Your direct billing services

4. YOUR OTHER BENEFITS > P16-19

Repatriation assistance
Death & disability
Legal protection
Personal liability (private capacity)
Special risks

5. PRACTICAL INFORMATION > P20-21

6. WHAT IS NOT COVERED UNDER YOUR PLAN > P21

3
1 Your services
Supporting you throughout your stay abroad

Your dedicated APRIL team available 24/7

Facebook
Messenger
for any queries regarding your cover, services
and reimbursements.

By phone on +33 (0)1 73 04 64 25

By email at vi.expat@april-international.com
On Facebook Messenger from the page
https://www.facebook.com/APRIL.International/
By chat from your Easy Claim app

An AXA Repatriation team available 24/7

for any queries regarding medical evacuation,

repatriation or psychological support.

The assistance coordinators can be reached at any

time by phone on

+33 (0)1 55 92 14 44

Your insurance card

If something goes wrong, use your insurance card.

It shows the numbers to call in case of emergency, available
24/7.

Your insurance card can be downloaded directly to your

Wallet app, available for Apple and Android.

The card shows your plan number, your personal ID to access

the Easy Claim app and your emergency numbers.

4
1 Your services
Your Easy Claim mobile app

With the app, you can manage your plan online:

Download the
Easy Claim mobile
app

For more information, watch our

Easy Claim video demo

You also have an online Customer Zone available here. 5

2 Your healthcare cover
Your Medical expenses benefits

EXPENSES INCURRED EXPENSES INCURRED

OUTSIDE FRANCE IN FRANCE

MEDICAL AND SURGICAL HOSPITALISATION*

Please contact us at least 10 days before your expected date of admission to hospital

Medical and surgical fees 100% of actual costs 200% of the SS reimbursement basis

Transport (supporting documents required) 100% of actual costs 100% of the SS reimbursement basis

Private room 100% of actual costs, up to €150/night 100% of actual costs, up to €50/night

Double room 100% of actual costs 100% of actual costs

Hospital charge - 100% of actual costs

100% of actual costs,
Fees in psychiatric facilities up to a maximum of €50,000 per 100% of the SS reimbursement basis
assignment
DAY HOSPITALISATION* 100% of actual costs 100% of the SS reimbursement basis

ROUTINE OUTPATIENT CARE

Consultations and visits with general

90% of actual costs 100% of the SS reimbursement basis
practitioners and specialists**
Consultations with psychiatrists*/** 90% of actual costs 100% of the SS reimbursement basis

90% of actual costs, €50 per session,

Consultations with psychologists*
up to a maximum of 10 par mission up to a maximum of 10 per assignment
Courses of treatment with paramedical
90% of actual costs 100% of the SS reimbursement basis
practitioners (nurses, physiotherapy)*/**

Diagnostic tests** 90% of actual costs 100% of the SS reimbursement basis

Technical medical procedures** 90% of actual costs 100% of the SS reimbursement basis

X-rays (other than dental) 100% of actual costs 100% of the SS reimbursement basis

PHARMACY ITEMS (prescription drugs reimbursed by French Social Security)

100% of actual costs, limited to the price of

On prescription the generic version where available for the 100% of the SS reimbursement basis***
prescribed drug

Mandatory vaccines**** for the country of

assignment according to the website 100% of actual costs 100% of actual costs
diplomatie.gouv.fr

Anti-malarial treatments**** 100% of actual costs 100% of actual costs

* Treatments and procedures requiring prior agreement. If you fail to comply with the prior approval procedure, a penalty of 20% will be applied (limited to €5,000 for
hospitalisation). Further information can be found on page 11.
** In the case of long-term conditions or accident, these treatments and procedures are covered at 100% of actual costs abroad and at 100% of the Social Security rate in
France.
*** Social Security reimburses up to the cost of the generic version.
**** Reimbursements of expenses incurred prior to and in connection with the assignment (original statement of fees and copy of medical certificate of fitness required). This
visit is not an expatriation medical check-up.

Generic drugs or original branded drugs: it makes no difference to your health!

There’s no question about it, whether it’s a generic version or an original branded drug, it
makes no difference to your health. They are both high-quality, safe and effective.

The active substance is the same and it’s just as effective as the original. The indications,
contra-indications, dosage and side effects are similar and it is manufactured to the same
exacting standards as any other drug.

6
Your healthcare benefits (continued)
EXPENSES INCURRED EXPENSES INCURRED
OUTSIDE FRANCE IN FRANCE

MATERNITY*
Pre and post-natal visits 100% of actual costs 100% of the SS reimbursement basis
100% of actual costs
Childbirth 100% of the SS reimbursement basis
up to €3,000 per birth
DENTAL CARE

Urgent dental care

Pulpitis
Dental abscess and/or oedema
100% of actual costs,
Broken or dislodged tooth 200% of the SS reimbursement basis
up to €700 /year of assignment
Dental haemorrhage
Alveolitis
Acute periodontal disease
Non-urgent dental care
80% of actual costs,
(including consultations and 200% of the SS reimbursement basis
up to €300 / year of assignment
x-rays)

Class 1: “100% Santé”: 100% MSP -AR *****

Dentures and dental implants*
100% of actual costs, up to €215 per tooth Class 2 and 3: 200% of the SS
reimbursement basis

MEDICAL PROSTHESES* 100% of actual costs 100% of the SS reimbursement basis

VISION CARE

“100% Santé” basket:100% MSP -AR *****

Frame, lenses and contact lenses 100% of actual costs
Outside the “100% Santé” basket: 100% of
(including disposables) up to a maximum of €300
actual costs up to a maximum of €300 for
for the entire duration of the assignment
the entire duration of the assignment

MEDICAL EXAMINATION AT THE START AND END OF THE VOLUNTEER ASSIGNMENT

100% of actual costs
Consultations/Visits**** 100% of actual costs
up to a maximum of €35 per visit
Panoramic dental x-ray, lung x-ray and
100% of actual costs, less the
blood grouping (only at your pre- 100% of actual costs
reimbursements from your basic scheme
assignment check-up)

* Treatments and procedures requiring prior agreement. If you fail to comply with the prior approval procedure, a penalty of 20% will be applied (limited to €5,000 for
hospitalisation). Further information can be found on page 11.
** In the case of long-term conditions or accident, these treatments and procedures are covered at 100% of actual costs abroad and at 100% of the Social Security rate in France.
*** Social Security reimburses up to the cost of the generic version.
**** Reimbursements of expenses incurred prior to and in connection with the assignment (original statement of fees and copy of medical certificate of fitness required). This
visit is not an expatriation medical check-up.
***** : Maximum selling price – Amount reimbursed by Social Security.

! Medical expenses are covered up to the level of actual costs and reasonable and customary costs
for the area in which they are incurred.
If the costs are unreasonable and unusual, we reserve the right to limit the amount we will pay.
To avoid out-of-pocket expenses, we ask you to call us before you’re admitted to hospital (other than in
an emergency) so that we can refer you to approved healthcare providers.

Want to upgrade your healthcare cover? 1 year

Join the V.I. top-up plan minimum

This cover is individual and you are responsible for paying the premium.
It tops up your Business France international insurance and provides higher
levels of reimbursement for you and your dependants, both in France and
abroad.

Convenient: you can enrol in the plan online in just a few click from your
Customer Zone. You can pay your premium all at once or by monthly direct
debit.
All the information you need about the V.I. Top-up plan can be found in your
Easy Claim app.
7
2 Your healthcare cover
Healthcare benefits for your dependants
EXPENSES INCURRED EXPENSES INCURRED
OUTSIDE FRANCE IN FRANCE
MEDICAL AND SURGICAL HOSPITALISATION*

Veuillez nous contacter 10 jours minimum avant votre date prévisionnelle d’admission à l’hôpital

Medical and surgical fees 100% of actual costs 200% of the SS reimbursement basis
Transport (supporting documents required) 100% of actual costs 100% of the SS reimbursement basis
Private room 100% of actual costs, up to €150/night not covered
Double room 100% of actual costs 100% of actual costs
Hospital charge - 100% of actual costs
100% of actual costs,
Fees in psychiatric facilities 100% of the SS reimbursement basis
up to a maximum of €50,000 per assignment
DAY HOSPITALISATION* 100% of actual costs 100% of the SS reimbursement basis

ROUTINE OUTPATIENT CARE

Consultations and visits with general practitioners

90% of actual costs 100% of the SS reimbursement basis
and specialists**
Consultations with psychiatrists*/** 90% of actual costs 100% of the SS reimbursement basis
Courses of treatment with paramedical
90% of actual costs 100% of the SS reimbursement basis
practitioners (nurses, physiotherapy)*/**
Diagnostic tests** 90% of actual costs 100% of the SS reimbursement basis
Technical medical procedures** 90% of actual costs 100% of the SS reimbursement basis
X-rays (other than dental) 100% of actual costs 100% of the SS reimbursement basis

PHARMACY ITEMS (prescription drugs reimbursed by French Social Security)

100% of actual costs, limited to the price of the

On prescription general version where available for the 100% of the SS reimbursement basis***
prescribed drug
Mandatory vaccines**** for the country of
assignment according to the website 100% of actual costs 100% of actual costs
diplomatie.gouv.fr
Anti-malarial treatments**** 100% of actual costs 100% of actual costs

MATERNITY*

Pre and post-natal visits 100% of actual costs 100% of the SS reimbursement basis
100% of actual costs
Childbirth 100% of the SS reimbursement basis
up to €2,000 per birth

DENTAL CARE

Urgent dental care

Pulpitis
Dental abscess and/or oedema
100% of actual costs,
Broken or dislodged tooth 200% of the SS reimbursement basis
up to €700 /year of assignment
Dental haemorrhage
Alveolitis
Acute periodontal disease

Non-urgent dental care

(including consultations and 100% of the SS reimbursement basis 100% of the SS reimbursement basis
x-rays)

Class 1: “ 100% Santé”: 100% MSP -AR *****

Dentures and dental implants* 100% of the SS reimbursement basis
Class 2 and 3: 100% of the SS reimbursement basis

MEDICAL PROSTHESES* 100% of actual costs 100% of the SS reimbursement basis

VISION CARE

100% Santé basket: 100% MSP -AR *****

Frame, lenses and contact lenses 100% of actual costs up to a maximum of €300 Outside the 100% Santé basket: 100% of actual
(including disposables) for the entire duration of the assignment costs up to a maximum of €300 for the entire
duration of the assignment

* Treatments and procedures requiring prior agreement. If you fail to comply with the prior approval procedure, a penalty of 20% will be applied (limited to €5,000 for
hospitalisation).
** In the case of long-term conditions or accident, these treatments and procedures are covered at 100% of actual costs abroad and at 100% of the Social Security rate in France.
*** Social Security reimburses up to the cost of the generic version.
**** Reimbursements of expenses incurred prior to and in connection with the assignment (original statement of fees and copy of medical certificate of fitness required). This
visit is not an expatriation medical check-up.
***** : Maximum selling price – Amount reimbursed by Social Security.
8
2 Your healthcare cover
Cover of COVID-19
The plan has no exclusions in respect of COVID-19.

If I need to take a COVID-19 test, will I be reimbursed?

What cases are covered?

Only medically justified tests performed by a health professional will be covered. A prescription will
be required for reimbursement, regardless of your country of assignment.

How will you be reimbursed?

And how are Covid-19 vaccines covered?

Our advice: Remember to use the teleconsultation to obtain your prescription.

A top-quality medical service that allows you to talk to a

doctor 24/7, in 12 languages with:

> Teleconsultation with a general practitioner: for minor

ailments, information on a treatment or COVID-19, and for the
delivery of prescriptions.

> Second Medical Opinion from a specialist: to obtain a

second opinion on a diagnosis or a proposed treatment.

Expenses incurred outside

Special cover of COVID-19 Expenses incurred in France
France
100% of actual costs, up to a
COVID TESTS maximum of:
(PCR - antibody - antigen) 90% of actual costs PCR test: €75
On prescription only Antibody test: €67,50
Antigen test: €34

COVID VACCINE
100% of actual costs
Authorised by the local authorities
without a prescription
in the country of assignment

*For information on reasonable and customary costs in your area, contact your dedicated team.

IMPORTANT :
Tests carried out for business or personal trips are not reimbursable.

9
2 Your healthcare cover
How to claim the reimbursement of your medical expenses.

1. Consult a health 2. Send your claim for 3. Your reimbursement is

professional, reimbursement to APRIL International processed.
via your Easy Claim app, whatever
the amount,

To submit your claim for reimbursement from your Easy Claim app:
1 Download your app,
2 Log in using your ID,
3 To claim your reimbursement:
a. enter the name of the beneficiary and the cost of the medical care,
b. add photos of your medical bills and prescriptions,
c. send us everything with just one click!
4 Track the processing of your claim in the “Track my reimbursements” section.

PLEASE NOTE:
Please keep the original medical bills (and other supporting documents) for a period of 2
years from the date on which you made your claim. They may be required in the event of an
audit.

10
2 Your healthcare cover
How to claim your reimbursement

You can be reimbursed by transfer to the bank account of your choice. You
can enter/update your bank details from your Easy Claim app at any time.

How and when to request prior approval

Some medical treatments and procedures are subject to the prior approval of our Medical
Examiner (valid for 6 months). Before the treatment or procedure begins, please submit your
request for prior approval from your Easy Claim app: we ask you to attach an itemised estimate
and a prescription.

Hospitalisation (including day hospitalisation and maternity)

Courses of treatment: sessions of physiotherapy, consultations with

psychiatrists and psychologists, nursing care, childbirth preparation
classes, etc. (if more than 2 sessions are prescribed per calendar year).
The reimbursement of consultations with psychiatrists and psychologists is
subject to all of the following conditions:
> They must be prescribed by a general practitioner or specialist,
> They must be performed in a hospital or medical centre,
TREATMENTS > They are subject to mandatory prior approval.
AND
PROCEDURES
Dentures and dental implants: dental crowns, Inlay/Onlay Cores, and
SUBJECT TO implant-supported crowns (please include X-rays of the teeth to be treated
PRIOR with your claim)
APPROVAL Medical prostheses: orthopaedic insoles, compression stockings/tights,
crutches, all types of medical braces, etc. (please include your doctor's
prescription).
The reimbursement of medical prostheses is subject to all of the following
conditions:
> They must be included in the list of products and services eligible for
reimbursement by French Social Security (known as the LPP),
> They must be reimbursable according to Social Security rules (adjustments,
replacement conditions, etc.),
> They are subject to mandatory prior approval.

! If this procedure is not followed, an excess of 20% will be applied to the reimbursement of
your bill (other than in case of accident or emergency).
Your will receive a response within 72 hours.

11
 A quick look at what to do if you are hospitalised
We can arrange for your hospital expenses (including day hospitalisation) to be paid directly to the hospital
where you are staying. In this case we will contact the hospital directly.
To request the direct payment of your hospital expenses, or for any additional information before your
hospitalisation, call the APRIL International number on your Easy Claim app or Insurance Card.

CALL US FOR …

1 2

SCHEDULED AN
HOSPITALISATION EMERGENCY

Contact us at least 10 days before your admission. Contact us as soon as possible so that we can
Prepare your request including: assist you with the admission formalities:
 all the medical documents related to your We will contact the hospital for information about
hospitalisation* your admission and the cost of the hospitalisation.
 the estimate of costs provided by the hospital
including the doctors' fees and the amount of
excess fees
 the hospital’s estimate of hospital charges
showing the cost of the private room
 send them via the Easy Claim app.

Your request is processed, the Medical Examiner We send a letter of guarantee

makes their decision and the letter of guarantee is to your hospital within 2 hours.
sent by email to the hospital and the insured We check in with you regularly throughout your
member. hospitalisation and when you are discharged.

We check in with you regularly throughout your After your hospitalisation, you will need to send us
hospitalisation and when you are discharged. the hospital report.

The hospital sends us the bill.

The hospital sends us the bill: we pay the costs
We settle the bill directly with the hospital.
directly to the hospital.

* Your Confidential Medical Certificate completed by your doctor, or any equivalent document, your doctor's prescription, if you have one, your medical report, if you
have one, and the results of scans, diagnostic tests, X-rays etc. in connection with the hospitalisation.

12
3 Where to have treatment
Talk to a doctor 24/7 via teleconsultation
With this service, you can consult a doctor remotely, in accordance with medical confidentiality.
Submit your request from your Easy Claim app and a health professional will call you back within 3
hours, 24/7, anywhere in the world, in the language of your choice.

Convenient and easy to use, wherever you are, you no longer need to travel to consult a doctor!
And there’s no cash advance required.

To use this service:

Go to “Contact a Doctor” from your Easy Claim home screen,
Select “Request a medical teleconsultation”.

This service is very useful:

if you have a benign condition such as flu symptoms, headache, sore throat etc,
for information on a treatment you are having,
to help you prepare for a trip,
for the delivery of prescriptions anywhere in the world,
for information about COVID-19, to check out any symptoms you may have, and get a prescription
or a referral for treatment if necessary,
to obtain a sick note.

Teleconsultation is not an emergency service. If necessary, go to the nearest hospital or contact

the local emergency services.
Request a second medical opinion from a specialist:
With this service, you can contact one of the 50,000 specialist doctors who are members of the
Teladoc Health network and obtain a second medical opinion on a medical condition you have been
diagnosed with and the proposed treatment. A specialist doctor will review your medical file and
contact you within 24 hours to give you advice on your situation.

To use this service:

Go to the “Contact a Doctor” section of your Easy Claim app,
Select the “Request a second medical opinion” option,
Complete the form in a few clicks and submit your request.

For easy access to remote

medicine, discover the
services provided free of charge in
partnership with
Teladoc Health

13
3 Where to have treatment
Medical referral service

You are free to choose your doctor or hospital. With your agreement, we will implement the most
appropriate solution for your situation. We call
But because it’s sometimes difficult to know who
you regularly throughout your stay and when you
to consult, and because medicine is sometimes
leave hospital, to ensure the best possible follow-
commercially driven to the detriment of quality of
up care.
care, we offer a medical referral service.

How does it work?

Do you simply want information on doctors and
medical facilities near you? You have access via
your Easy Claim app to the list of healthcare
providers in our network. Your dedicated team
can also advise you.
Do you have a medical condition requiring
special care?
1. Our medical team reviews your care plan and
advises you on quality medical facilities, suited to
your medical situation.

2. If you have high-level expenses that you incur

Need to be admitted to hospital? We can help
on a regular basis, APRIL may arrange for these
you prepare for hospitalisation:
costs to be paid directly to your healthcare
1. Our medical team will review your proposed professional.
care plan to ensure it is appropriate for your
condition. If you wish, we will recommend quality In all cases, we will ensure you have access to
medical facilities, suitable for your medical quality care at reasonable and customary rates.
situation. We can also offer you a second medical
opinion from a local doctor or from your country
of origin.

2. We make sure the rates being quoted are

consistent with the proposed treatment and the
place where you will be treated.

3. In some cases, we may recommend a transfer

to another hospital or repatriation to your country
of origin. Any suitable alternative solutions will be
put to you.

!
PLEASE NOTE:
For any consultations, hospitalisation or outpatient services in the U.S., we recommend using the
care networks provided by our partner Global Excel.

14
3 Where to have treatment
Your direct billing services
In the United States:
The cost of medical care in the US can be
exorbitant.
To avoid any nasty surprises, we have
negotiated preferential rates for you together
with a direct billing service from our partner,
Global Excel.
This means you benefit from:
• access to one of the largest care networks
in the United States
> almost 690,000 doctors,
> more than 5,500 hospitals with no cash
advance required, we’ll pay your bill directly.
This service is available for:
> your consultations with general
practitioners and specialists,
> your diagnostic tests and X-rays,
> your medical examinations and treatments,
> care provided by medical auxiliaries.
This service is not available for dental care.
• Direct billing service at more than 68,000
pharmacies in the United States with no
cash advance required for your purchases.
Where can I find my direct billing card?
Your direct billing card is sent to you by email
within 15 days of the start of your assignment.
It can be downloaded from a link and then
printed out or stored on your phone.
Where can I find partner hospitals,
pharmacies and doctors ?
It couldn’t be easier, simply:
> Log into Easy Claim and go to the “Find a
Doctor” section
OR
Go to april.globalexcel.com/
Search for the doctor's specialty and
location and click on “Search”.
Select “Passport to Healthcare Primary PPO
Network” and click “Continue”.
You can also browse the “Common Searches”
sections to carry out your search.
> Make an appointment directly with the
doctor, show them your card and you’ll have
nothing to pay!
Who to contact for your enquiries?
We are available 24/7 to answer all your
questions!
From the United States, call 1-866-299-2900
and an advisor will assist you.
In Mexico:
You will have access to a care network:
Almost 850 doctors and more than 37
hospitals with no cash advance required, we’ll
pay your bill directly.
This service is available for:
 your hospitalisation expenses,
 your consultations with general
practitioners and specialists,
 your diagnostic tests and x-rays as well as
your rehabilitation sessions.
In Canada:
By contacting CanAssistance, you will no
longer have to make a cash advance for:
> scheduled or emergency hospitalisation,
regardless of the amount,
> emergency hospital care that does not
require admission when the bill is more than
$800 CAD.
Call 1-833-664-1676 free of charge from
Canada to reach CanAssistance before your
hospitalisation or as soon as possible in case
of emergency. This number is shown on your
insurance card, available in your welcome
pack and from your Wallet.
15
4 Your other benefits
Repatriation assistance

How to claim your Repatriation Assistance benefits

Contact the Axa Assistance coordinators on +33 (0) 1 55 92 14 44. This number is available from your Easy
Claim app and on your insurance card in wallet format.
You can reach them 24/7.

The AXA Assistance teams will assess your medical situation, advise you, review your request for
repatriation and arrange for you to be repatriated if necessary.

TYPE OF BENEFIT COVER LIMITS

Accident or illness:
Medical repatriation to the most suitable hospital in the country of
residence or country of origin if no appropriate medical facilities are 100% of actual costs
available.
Return to the country of assignment following stabilisation Return ticket by air in economy class or train in 1st class
Return ticket for the child by air in economy class or train in 1st
class
Return home and accompaniment of children under 16
Round trip ticket for the accompanying person by air in
economy class or train in 1st class
Return home of other beneficiaries (spouse and children)
Return ticket by air in economy class or train in 1st class

Companion to be with the hospitalised beneficiary Round trip ticket by air in economy class or train in 1st class
max. 2 persons
Accommodation €200 / night / person max 10 nights

Reimbursement up to a maximum of €50,000 per plan

Search and rescue costs
beneficiary
Death

Repatriation of the body or ashes from the place of death to the place
100% of actual costs
of burial in the home country

Cost of a coffin Transport costs

Accompaniment of beneficiary family members residing in the

Return ticket by air in economy class or train in 1st class
deceased’s country of assignment

Riots, popular movements and war, leading to the suspension of French cooperation abroad:

Repatriation of luggage to the country of residence or country of origin 150 kg by air or sea

Psychological support
TYPE OF BENEFIT COVER LIMITS

telephone conversations with a psychologist

Psychological support
(up to 6 consultations)

To use the psychological support service, please contact

Axa Assistance by phone on +33 (0) 1 55 92 14 44
The Axa Assistance team will put you in touch with a psychologist. The service is available by telephone
24/7.

16
4 Your other benefits (continued)
Special risks (this benefit covers only you personally)
TYPE OF BENEFIT COVER LIMITS

Loss, destruction, damage due to earthquake, any act or series of acts

of terrorism or sabotage, any riot or series of riots, any popular
movement or series of popular movements, any civil or foreign war, up to €5,000/person
any disaster of natural origin, or any seizure or series of seizures
ordered by the local authority in any of the insured countries

Inability to leave the country of assignment at the end of the volunteer

programme due to earthquake, any act or series of acts of terrorism
or sabotage, any riot or series of riots, any popular movement or series
Daily allowance of 50% of one 360th of the annual French
of popular movements, any civil or foreign war, or any disaster of
Social Security ceiling
natural origin

The benefits provided under the programme are managed by AXA Assistance.
To claim the benefits, you must make a request via Easy Claim under "Special risks“ - New claim". You will
then be contacted to assist you with your request.

Legal protection (this benefit covers only you personally)

TYPE OF BENEFIT COVER LIMITS

Legal information by phone Unlimited calls

Legal protection in respect of amicable settlements in a private Intervention only on an amicable basis, with no payment of
capacity your defence costs

Need information?
Got a problem?
Being sued?

A team of legal experts is available on +33 1 30 09 97 93.

You can request legal assistance directly from your Easy Claim app.

If you have any legal questions or difficulties, a legal expert will inform you of your rights and obligations
and advise you on the procedures to follow in a private capacity.

In the event of a covered dispute:

A legal specialist analyses the legal aspects of the situation, provides personalised advice to help you
resolve it and determines with you the best course of action to take to defend your interests and may in
certain cases offer to pay your lawyer’s fees in France or abroad.

We intervene in disputes in which you are involved in a private capacity in all areas of the law, subject to
the exclusions and limitations listed in the Information booklet.

17
4 Your other benefits (continued)
Personal liability (private capacity) (this benefit covers you and your
dependants)
The personal liability (private capacity) benefit covers the financial consequences of damage caused to
another person (third party) for which you are held liable during your assignment (except for the
exclusions under the plan, in particular wilful misconduct, while driving motor vehicles, electric scooters
etc.). If you are the victim of assault, theft, imprisonment etc., financial compensation for the harm
caused to you is not covered under the Personal Liability (private capacity) plan.
The benefit also covers the financial consequences of damage caused to property entrusted to you by the
company where you are carrying out your assignment

TYPE OF BENEFIT COVER LIMITS

All types of damage combined Up to €15,000,000 per claim

Up to €750,000 per claim

Including material damage and consequential financial loss
€100 excess

Including material damage to property provided by the company and consequential Up to €30,000 per claim
financial loss €100 excess

Criminal defence and remedy Up to €50,000 per claim

Members of the same family are not considered to be third parties with respect to each other
Please note: The excess is increased to €1,500 per claim if the damage is caused to another volunteer or
one of their dependants.

How to claim your personal liability benefits

Within 5 days of the event, complete the form “Declaration of personal liability (private capacity)” directly
from your Easy Claim app, and:
detail the circumstances (place, time, date, description of the facts)
describe the damage,
provide contact details for the injured third party.

You also have a dedicated contact person who can be reached:

by phone on +33 (0)5 57 93 28 87
by email at claims.handling@filhetallard.com

Income protection (this benefit covers only you personally)

If you are unable to work due to illness, you must inform Business France within 48 hours and send the
supporting documents by email to medical.vie@businessfrance.fr as well as your host organisation in
France and in your country of assignment.

In the event of total incapacity to work due to illness or accident, which continues beyond your
assignment, you may be paid a daily allowance providing partial income replacement.

This benefit is supplemented by a permanent disability benefit.

Details of these benefits can be found in your information booklet.

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4 Your other benefits (continued)
Death, total permanent disability and funeral expenses
(this benefit covers only you personally)

TYPE OF BENEFIT COVER LIMITS

Death all causes

Single 150% of the annual French Social Security ceiling

Married or in a civil partnership 200% of the annual French Social Security ceiling

Supplement per dependent child 50% of the annual French Social Security ceiling

Funeral expenses 200% of the annual French Social Security ceiling

The amount of the death lump sum is:

doubled if the death is caused by an accident,
paid in advance in case of total permanent disability.

In case of death due to an accident at work or occupational illness, these benefits may be
supplemented by a spouse’s pension and an allowance for dependent children and/or
ascendants.

Amount of the annual French Social Security ceiling from 01/01/2021 to 31/12/2021: €41,136
Amount of the monthly French Social Security ceiling from 01/01/2021 to 31/12/2021: €3,428

Good to know:
Designation of beneficiaries

Who are the beneficiaries of the death benefit?

The lump sums payable in the event of the volunteer’s death are allocated in order of preference to:

the spouse of a married volunteer from whom they are not legally separated,
failing which, the volunteer’s civil partner,
failing which, the volunteer’s children born or unborn, in equal parts between them, with the
predeceased’s share being passed to their own children or to their brothers and sisters if they
have no children,
failing which, to the father and mother, in equal parts between them, or to the survivor in the
event of predecease,
failing which, to the heirs.

If you wish, you can replace this standard clause at any time and name the beneficiary or beneficiaries of
your choice.

To make this simpler for you, you can make your declaration online, 100% digital and secure, from the
website: https://quijeprotege.fr/ 19
All you need is an email address and a mobile phone.

19
5 Practical information
Where am I covered?
With your V.I. Business France plan, you are covered for the duration of your assignment, in your host country and
while travelling around the world.
You are also covered in your usual country of residence.

When am I covered?
You are covered 24/7 from the first to the last day of your assignment. If you wish to extend your stay abroad, we
would strongly recommend taking out individual cover. APRIL International Care can provide you with insurance
solutions to cover you before and after your International Volunteer assignment. To find out more, call us on +33 (0)1 73
04 64 25 or send an email to vi.expat@april-international.com.

What if my circumstances change?

Our dedicated team is available to assist you. Please let us know of any changes to your family situation (birth,
marriage, divorce, etc.) within thirty days following the event so that your personal information can be updated. You
can also update your personal information in your Easy Claim app.

Who can claim Medical Expenses/Repatriation Assistance/Psychological Support/Personal Liability (private

capacity) benefits?

the volunteer's husband or wife,

or the person who has been living as husband or wife with the volunteer for at least three months and who is
their full and permanent dependant. Proof of this situation must be provided,
or the person who is in a civil partnership with the volunteer,
unmarried children who are dependent on the volunteer for tax purposes.

The cover takes effect on the day on which your dependants leave to travel to your country of assignment.

To qualify for benefits, the volunteer’s dependants:

must not be citizens of the country in which the volunteer is on assignment,
must not be in paid employment and must not be receiving any professional or student income or benefits
or allowances from the French Employment Agency, Pôle Emploi (or similar agency).

The volunteer’s dependants must travel abroad with the volunteer or join them within a maximum of 3 months
following the start date of the assignment. The volunteer must declare their dependants via the Easy Claim app
within 30 days of the start date of their assignment. If the dependant no longer meets any of these obligations,
the volunteer must inform APRIL International via the Easy Claim app. If there are any changes to the family
situation during the assignment, the dependant must be declared within 30 days of the event and meet the
conditions to qualify as a dependant.

Does my Business France V.I. plan cover my vehicle and my accommodation?

No, your plan covers medical expenses, repatriation assistance, special risks, personal liability (private capacity)
and death & disability. You will need to take out insurance locally to cover your vehicle and your accommodation.
Please note that damage caused to third parties while riding an electric scooter is not covered under the “personal
liability (private capacity)” benefit as it is classed as a motorised vehicle.

Are all types of surgery covered under the plan?

The plan does not cover cosmetic surgery and elective surgery (non-emergency surgery). A list of the applicable
exclusions can be found in your information booklet.

Are long-term conditions covered ?

Long-term conditions (LTCs) such as chronic or critical illnesses or medical conditions are fully covered under the
plan. We recommend contacting your dedicated team so that we can arrange for you to be provided with
personalised support.

How are pharmacy expenses reimbursed?

If you have a prescription for pharmacy items, be sure to ask that the drug you are given is the generic version. If you
opt to refuse the generic drug, you will have to pay the difference in price between the generic version and the
branded drug. If there is no generic version of the drug, the branded drug will be reimbursed in full.

How do I claim the reimbursement of my pre-assigment medical examination?

To claim the reimbursement of the medical examination at the start of your assignment, use the Easy Claim app.
Remember to include your bank details.
It’s important to enter the start date of your assignment into the app and not the date of the examination, which
predates your enrolment in the plan.

20
5 Practical information (continued)
How can I upgrade my medical expenses cover?
You have the option of joining the V.I. Top-up plan during the first month of your assignment to upgrade your
healthcare benefits and for a minimum period of 12 months. Joining the plan after the first month of your assignment
is subject to a waiting period of 3 months for hospitalisation (excluding emergencies and accidents) and 6 months for
vision and dental care and maternity. You will find all the information in the V.I. Top-up brochure.

What if I want to be covered before or after my volunteer assignment?

Perhaps you would like to explore your host country before starting your assignment or extend your stay abroad? We
recommend contacting us so that we can advise you on the best insurance solution for your profile.

What do I have to do regarding statutory health insurance and my supplementary health insurance before I
leave?
Your Business France cover replaces Social Security and any supplementary health insurance you may have. You do
not need to take any particular steps with the Social Security of your home country. If you have supplementary health
insurance, you can cancel it by showing your V.I.E. certificate of assignment or letter of engagement.

Where can I find my Easy Claim ID?

You can find your personal Easy Claim ID for accessing your online services:
on your insurance card in wallet format,
on your insurance certificate,
and more generally in all emails from APRIL.

What is my APRIL insurance card for and where can I find it?
The APRIL insurance card is not a direct billing card. It shows the contact numbers available 24/7 when you need them.
Your insurance card is available from your Easy Claim app and can be downloaded to your Wallet.

Who provides my cover?

All the benefits are provided by the AXA Group.

6 What is not covered by the plan

IMPORTANT:
YOUR V.I. INSURANCE DOES NOT COVER MOTOR VEHICLES, THE HOME, OR THE THEFT OF
PERSONAL BELONGINGS. WE RECOMMEND TAKING OUT LOCAL INSURANCE COVER.

For all your conditions of cover, please refer to your Information booklet.

21
 All the APRIL International Care trademarks, logos, graphics and commercial material contained in this document are registered and are the property of APRIL
International Care. France Any reproduction of any kind, either partial or total, of the said elements and texts of any kind, is prohibited and will result in
Key points to remember:

1. You can contact your dedicated

APRIL team at any time 24/7 for help in
using your plan and answers to any
questions you may have about your
insurance.

2. You can use the Easy Claim app to

access all the information you need
about your cover, and claim your
benefits in just a few clicks.

3. You can find all your contacts in

your insurance card, downloadable in

prosecution. December 2021.

wallet format.

Find the essentials of your insurance programme

in this video:

APRIL International Care head office:

14 rue Gerty Archimède - 75012 Paris - FRANCE
Telephone: +33 (0)1 73 02 93 93 - Fax: +33 (0)1 73 02 93 90
Email: info.expat@april-international.com - www.april-international.com
A French simplified joint-stock company (S.A.S.) with capital of €200,000
Registered in Paris under number 309 707 727
Insurance intermediary - Registered with ORIAS under number 07 008 000 (www.orias.fr)
Prudential Supervision and Resolution Authority (ACPR) – 4 place de Budapest
– CS 92459 – 75436 Paris Cedex 09 – FRANCE
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