WHO ARE WE ?

AGORAEXPAT is a French independent company dedicated to providing health insurance and provident/risk assesment services to a clientele of international expatriates. To fulfill our mission throughout the world and answer the specific needs of our clients, our strategy relies on three main pillars:

  • Building partnerships with insurance companies renowned for their expertise and know how in the field of global mobility.
  • A careful selection of insurance plans specifically tailored to suit the circumstances and needs of our clients.
  • A personalized service for each of our clients by our committed Agoraexpat team experts.
Our offer
According to the information you provide in your request for a quote,
our expertise will lead you to the offer that most suits your needs.

MSH INTERNATIONAL

MSH INTERNATIONAL


For over 40 years, MSH International has been designing and managing international health insurance solutions for all those who are living and working abroad :
independent or employee expatriates, young adults staying abroad (internships, studies, WHV), active seniors…
WITH MSH INTERNATIONAL, HEALTH INSURANCE IS VERY SIMPLE !

FIRST EXPAT +

Choose your level of international healthcare plan, which will cover :
- Hospitalisation and treatment
- Regular medical needs (medical consultations/visits, examinations, drug prescription…)

To complement your cover and extend your benefits, you can add the following options :
- Vision and dental
- Maternity
- International medical assistance / evacuation
- Health risk assesment

If you wish to lower the level of your premium, you can also opt for a deductible.

FIRST EXPAT+

Your tailored international health insurance

Online Application
Download PDF USA /
Worlwide excluding USA

APRIL INTERNATIONAL

APRIL INTERNATIONAL


APRIL, an international insurance services group, has made innovation the key to its development, by seeing insurance through the customers’ eyes. This choice which demands boldness and simplicity, has made the Group the leading wholesale broker in France in less than 20 years and allowed it to become an international reference with operations in more than 37 countries.

AMBASSADE : A COMPREHENSIVE INSURANCE PLAN FOR YOUR EXPATRIATION

Ambassade is an insurance provider dedicated to expatriates of all nationalities staying more than one year abroad. Whether you live alone or with your family, this plan offers you a comprehensive cover with completely adjustable benefits :
health costs, repatriation assistance, legal assistance, death benefit, loss of autonomy, and daily subsistence allowances.

A CUSTOMIZED COVERAGE

Ambassade covers your health expenses from the first euro spent, allowing for flexible additional modules to fit your needs :
- 3 optional offers with different levels of reimbursement ceilings (Essential, Medium, Extended) up to an amount of 2 000 000 €
- 3 levels of coverage (Hospitalization alone, Hospitalization+ routine medical care/Maternity, Hospitalization+ routine medical care/Maternity+Vision/Dental)
- Possibility of 100%, 90% or 80% reimbursements of actual costs
- Direct payment of hospitalization expenses

AMBASSADE

The best combination for your international health coverage

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HENNER

HENNER


The Henner Group develops innovative individual insurance solutions. A French and independent Group, Henner has more than 1500 staff in France and globally. Present on all segments of personal insurance (health and life), Henner Group supervises 9 500 companies of all sizes in designing and managing their social plans.

EXPAT UNO

Strengths

- 4 optional benefit formulas
- no money advance and no co-pay in case of hospitalization
- reimbursements paid on the account and in the currency you choose
- A temporary cover when you come back to France, and outside your area of residence in case of accident
- Have you used up your package plan in Vision/Dental, Wellness, Maternity or prothesis devices? Get it recharged any time of the year when you wish, and for the beneficiary of your choice
- You have not used your Wellness or Vision/Dental plan during the year ? Get a 50% discount the following year

Benefits

- A progressive range with 4 health formulas :
   - Formula 1: Hospitalization    - Formula 2: Formula 1 + ambulance services
   - Formula 3: Formula 2 + Maternity+Vision/Dental + prosthetic devices
   - Formula 4: Formula 3 with higher levels of benefits
- Packages Wellness, Vision/Dental accessible from formula 3
- 3 optional choices :
   - Repatriation Assistance
   - Legal liability
   - Cautionary services: disability, death, accidental death, work compensation, education annuity

Expat Uno

A progressive range with 4 health formulas

Download PDF

ASSUR TRAVEL / GENERALI & SWISSLIFE

ASSUR TRAVEL / GENERALI & SWISSLIFE


ASSUR-TRAVEL, your mobility partner.
With its team of professional insurers, the wholesale broker ASSUR TRAVEL is specialized in providing international mobility insurance plans.

Ten reasons to choose ASSUR-TRAVEL EXPATRIES

Plans that suit your needs
   1.Plans with reimbursement covering upto 100% of your actual expenses.
   2. No co-pay for all hospitalization costs on a simple call.
   3. Your reimbursements within 48h by bank transfer in the currency of your choice.
   4. A thoroughly transparent follow up of your reimbursements: bills sent via email, tracing of reimbursements through our administrator’s website www.gapigestion.com
   5. A medical assistance platform available 24/7, 365 days a year
   6. Enjoy an internet portal dedicated to expats which connects you to a medical network of over 12000 accredited hospital and clinics.
Simplified membership procedures
   7. Sign and send us back a simple membership form, and a medical form
   8. Annuities are payable through automatic debit or by credit card, or through local currency transfer (48 available currencies) through the secured website www.gapigestion.com
   9. A dedicated team of expat specialists to listen to you and advise you on the most suited plans according to your needs.
Very competitive rates
   10. Opt for annual deductible plans and enjoy an additional discount of 15% to 25%.


A comprehensive healthcare plan at a very competitive rate.
• HEALTH PREMIUM PLAN - PREMIUM ACCESS
• HEALTH COMFORT PLAN - COMFORT ACCESS
• HEALTH SUMMUM PLAN

Expatriés Santé 1er euro

A comprehensive health cover at a very attractive price

Download PDF

WELLAWAY

WELLAWAY


Wellaway ltd is an international insurance provider. Wellaway offers a range of options of flexible coverage as well as personalized solutions to meet the permanently evolving needs of citizens around the world, and is specialized in health and travel insurance plans dedicated to expatriates.

THE NEW AMERICAN

The healthcare plan adaptable to the way of life of expats in the United States

Our supplementary Health insurance is compliant to the US regulations and allows our beneficiaries to not worry about the US rules and regulations regarding health insurance. Each of our plans includes all benefits deemed as mandatory by American law, and especially the absence of annual limit of coverage. Your mind can be at peace, Wellaway will help you find the most suitable medical professional in your area and will get you a second medical diagnosis for the most complex cases.

The advantages of The new American

• A supplementary health care compliant to the American regulation (‘ACA compliant’ ‘Affordable Care Act’ also called ‘Obamacare’)
• Access to treatment thanks to a vast network of healthcare professionals in the whole world
• 3 optional plans :
   - Elite Freedom
   - Prestige Freedom
   - Premier Freedom
• High level customer care in your native language
• A medicine delivery service
• An electronic personal health Record summarizing all your medical data
• The ability of online medical advisory with medical experts
• A second medical consultation by a certifed medical professional within 48 hours

The New American

The healthcare plan fitted to the way of life of expats in the United States.

Online Application
Download PDF

CIGNA

CIGNA


Cigna is a leading company of international health services dedicated to help individuals improve their health, their wellness and sense of security.

We trace our roots back more than 200 years, but we became the company you know today in 1982 with the merger of INA Corporation and Connecticut General Corporation. Ever since, we’ve continued to innovate and expand around the world. We have sales capability in 30 countries and jurisdictions, and more than 86 million customer relationships throughout the world. Our more than 37,000 employees serve customers just about everywhere. You are covered wherever you go. Cigna International provides access to superior quality healthcare and related financial protection programmes to employers, affinity groups and individuals around the globe.

International medical insurance

Our core cover

Three levels of essential core coverage, Silver, Gold and Platinum to choose from. Our core policies cover hospitalization, outpatient surgery and accommodation costs. In addition, essential cover for cancer and mental health care are provided for. Gold and Platinum policies also offer coverage for inpatient and daypatient maternity care.
- Silver: Overall annual benefits: $1,000,000 / €800,000 / £650,000
- Gold Overall annual benefit: $2,000,000 / €1,600,000 / £1,300,000
- Platinum:Overall annual benefit: $3,000,000 / €2,500,000 / £2,000,000

Add optional benefits
Cigna Global Health Options helps you create a health insurance plan that’s perfectly tailored for the needs of you and your family by offering you the reassurance of comprehensive core coverage, and the flexibility of additional modules to build a plan which fits your needs.

International Outpatient
Additional and more extensive outpatient coverage that protects you for any treatments that don’t require a hospital stay.

International health and wellness
Manage your health in your own way with coverage for screening, tests, examinations and other wellness activities.

International medical evacuation
Peace of mind coverage for transport and repatriation costs for you and your family if you need treatment in another country.

International vision and dental insurance
Comprehensive coverage for all your optic and dental expenses.

Cigna Global

International health tailored to your needs

Online Application
Download PDF

MSH INTERNATIONAL

MSH INTERNATIONAL


For over 40 years, International has been designing and managing international health insurance solutions for all internationally mobile individuals :
independent or employee expatriates, young adults staying abroad (internships, studies, WHV), active seniors…
HEALTHCARE INSURANCE WITH MSH INTERNATIONAL, IT’S SO EASY !

RELAIS EXPAT +

Choose your level of international health benefits which will cover, on top of the CFE reimbursements :
- Your inpatient care treatments
- Your regular medical treatments (consultations, examinations, pharmacy…)

In addition, should you wish to benefit from an extended cover, you can choose the following options :
- Vision/Dental
- Maternity
- Medical Assistance/Evacuation
- Cautionary services

If you want to lower your premium, you can also opt for a deductible.

RELAIS EXPAT+

Your tailored International Health Insurance as a complement to the CFE

Online Application
Download PDF

APRIL INTERNATIONAL

APRIL INTERNATIONAL


APRIL, an international Group of insurance services, has chosen innovation as the key to its development by seeing insurance through customers eyes. This choice, which requests boldness and simplicity, has made this Group the leading wholesale broker in France in less than 20 years and allowed it to become an international reference with operations in more than 37 countries.

RUBELLES+ : THE COMPREHENSIVE COVER FOR YOUR EXPATRIATION

Rubelles+ is an insurance solution dedicated to expatriates who are CFE (Caisse des Francais de l’Etranger) members or affliated to the French Social Security and stay more than one year abroad. Whether you go alone or with family, this plan offers you a comprehensive cover with some fully adjustable benefits :
medical expenses, Evacuation Assistance, Legal liability/ Legal Assistance, Death benefit, loss of autonomy and daily subsistence allowances.

A CUSTOMIZED COVERAGE

Rubelles+ covers your health expenses in addition to the CFE or the French Social Security with flexible benefits tailored to your needs:
- 3 optional offers with different ceilings of reimbursement (Essentielle, Medium, Extenso) up to an amount of 2 000 000 euros
- 3 levels of coverage (Hospitalization alone, Hospitalization+ routine medical care/Maternity, Hospitalization+ routine medical care/Maternity+Vision/Dental).
- Possibility of 100%, 90%, 80% reimbursements of actual costs
- Direct payment of hospitalization expenses

RUBELLES +

Your french insurance style while you are abroad

Download PDF

HENNER

HENNER


Henner Group develops innovative solutions in individual insurance. This french independent group has a team of 1500 staff in France and abroad. Present on all segments of personal insurance (health and life), Henner Group helps 9500 companies of all sizes in devising and managing their social cover plans.

EXPAT DUO

Strengths

- Only one membership form to subscribe to both CFE and Expat Uno
- no co-pay or cost share for hospitalization
- Simplified and centralized reimbursement management thanks to our partnership with the CFE
- Reimbursements paid on your choice bank account in the local currency
- A temporary cover when you come back to France, and outside your cover area in case of an accident
- 2 optional Vision and Dental boosters to increase your benefits

Warranty annuities

- you can choose among 4 formulas and 2 optional boosters, tailored according to your demands, needs and the country where you head for
- These plans all cover hospitalization, ambulance services, dental, vision and medical outfit expenses
- Make up your Serenity Pack in addition to your core cover :
   - Evacuation Assistance World Zen
   - Legal liability
   - Cautionary services for employees: death, work compensation

Expat Duo

A progressive range with 4 health plans.

Download PDF

ASSUR TRAVEL / GENERALI & SWISSLIFE

ASSUR TRAVEL / GENERALI & SWISSLIFE


ASSUR-TRAVEL, your mobility partner
With its team of professional insurers, the wholesale broker ASSUR TRAVEL is specialized in providing international mobility insurance plans.

Ten reasons to choose the ASSUR TRAVEL EXPATRIATES plan:

Products and services tailored to your needs
   1. Plans ensuring up to 100% reimbursement of real expenses.
   2. No co-pay for all hospital admissions on a simple call.
   3. Reimbursements within 48h by bank transfer in the currency of your choice.
   4. A thoroughly transparent follow up on claims: all bills sent by mail, monitoring of all reimbursements through our administrator www.gapigestion.com
   5. A platform of medical Assistance available 24/7/365
   6. You enjoy an internet portal dedicated to expats which connects you to a medical network of over 12 000 accredited hospitals and clinics.
Simplified subscription procedures
   7. A simple subscription form and a medical form you need to send us back signed.
   8. You can pay your subscription by automatic transfer, credit card or transfer in local currency (48 available currencies) via the secure site www.gapigestion.com
   9. A team of dedicated expat specialists to advise you on products suitable to your needs.
Very competitive rates
   10. Opt for our products with an annual deductible and enjoy a further 15% to 25% extra discount.


A comprehensive health coverage at a very competitive rate.
• PREMIUM HEALTH PLAN - PREMIUM ACCESS
• COMFORT HEALTH PLAN - COMFORT ACCESS
• SUMMUM HEALTH PLAN

Expatriés Santé CFE Sécurité Sociale

A comprehensive health cover at a very attractive price

Download PDF

WELLAWAY

WELLAWAY


WELLAWAY ltd is an international healthcare insurance company. Wellaway provides a whole range of flexible cover options as well as personalized solutions to meet the permanently evolving needs of citizens throughout the world, and is specialized in health and travel insurances dedicated to expatriates.

The goals of Wellaway
   • Satisfaction, health and wellness of our members are our absolute priority
   • Integrity and transparency are the core values of our activity and of our faultless reputation
   • Our accessibility is key to our services and our products

LA VIE A L’ETRANGER

La vie a l’etranger is a health and way of life program designed to satisfy the needs of French expatriates living in the United States :

   • Qualify for CFE (Caisse des Français de l’Etranger) benefits in order to better cover your out of pocket health expenses
   • A cover compliant with all US regulations. Minimum Essential Coverage

The Wellaway health plan has been designed to meet the Minimum Essential Coverage, with an unlimited annual maximum and without pre conditions. LA VIE A L’ETRANGER (Life Abroad) plan covers :

   • Ambulance services
   • Emergency services
   • Hospitalization
   • Maternity and newly born care
   • Mental health care and addictions, including behavioral disorders
   • Laboratory services
   • Preventive and wellness services and chronic disease management
   • Pediatrical services
   • Drugs prescription

La Vie À l’Étranger

A program of health and way of life

Online Application
Download PDF

HUMANIS – WELCARE

HUMANIS – WELCARE


The HUMANIS Group is expert in social coverage for the French living abroad and in oversea territories. Humanis develops overall retirement, health and provident solutions fully consistent with the local or french social protection systems. It is the only one to offer the complete transposition of the french style social coverage, thanks to a unique counter in partnership with the Caisse des Français de l’Etranger.

THE CFE PACK EXPAT

RETIREMENT
A 100% secure and perfectly mastered retirement plan, with no loss of premium nor surprise when you summarize your career history.

CAUTIONARY
A substantial and quick financial support towards major life risks :
• Death
3 progressive warranties that significantly increase the capital given by the CFE to preserve your family’s future.
• Work compensation
3 evolutive formulas add up to the CFE benefits as to maintain the level of your wage in case of incapacity or invalidity.

HEALTH
• Medical expenses
5 flexible and efficient formulas add up to the CFE allowances for an optimal coverage
• Assistance
Whichever is your plan benefit :
• It is included in your additional cover plan ;
• it is available 24/7/365 :

>> Legal Assistance
>> Medical Assistance
>> Legal liability insurance

A COMPREHENSIVE COVER IN ONE SUBSCRIPTION ONLY !

The Expat CFE International Pack

A comprehensive coverage in one subscription only !

Download PDF

MSH INTERNATIONAL

MSH INTERNATIONAL


For over 40 years, MSH International has been designing and managing international health insurance solutions for all internationally mobile individuals:
independent or employee expatriates, young adults staying abroad (internships, studies, WHV), active seniors...
WITH MSH INTERNATIONAL, HEALTHCARE INSURANCE IS EASY !

JUNIOR’EXPAT

HEALTHCARE INSURANCE FOR THE LESS THAN 36 IN THE WORLD

For your stay abroad, in the whole world, the Junior’Expat plan is a comprehensive package which covers Medical care, inpatient day care, Medical Assistance/Evacuation, baggage loss and theft insurance, legal liability and cautionary services.

Your profile :
You are less than 36 years old.
You go abroad for a period of at least 3 months (upto one year, renewable) whatever your status (holiday, mission, studies or internship, Working Holiday or any other reason).

JUNIOR EXPAT

Healthcare insurance for beneficiaries below 36 throughout the world.

Online Application
Download PDF

APRIL INTERNATIONAL

APRIL INTERNATIONAL


APRIL, an international Group of insurance services, has made innovation the key to its development by seeing insurance through customers eyes. This choice, which requests boldness and simplicity, has made our Group the leading wholesale broker in France in less than 20 years and allowed it to become an international reference with operations in more than 37 countries.

MAGELLAN

THE COMPREHENSIVE INSURANCE TO FULLY ENJOY YOUR EXPERIENCE ABROAD

Magellan is an insurance solution adjusted to beneficiaries below 75 years old who travel or stay abroad (but in France, French oversea territories and your own country) for a maximum period of one year.

This plan allows you to face all unforeseen events that may occur abroad and offers you 2 levels of benefits, according to your coverage needs and your budget.

Magellan covers your medical expenses with optional reimbursements, from the first euro spent, in addition to either the French Social Security or the CFE, and offers you a direct payment service in case of hospitalization : you do not have to pay the medical institution, we do it for you !

A SPECIALLY DESIGNED PROGRAM FOR YOUR STAYS ABROAD

● Medical expenses covered at 100% of actual costs, without deductible
● benefits available in all visited countries
● You are covered when you return temporarily to your home country
● A translation and legal assistance to help you through your administrative procedures
● Compliant to insurance regulations if you request a Working Holiday Visa

MAGELLAN

The comprehensive insurance to fully enjoy your experience abroad.

Download PDF

You set off on a journey for a short period and wish to enjoy an insurance plan for peace of mind during your stay, thank you to contact us by email contact@agoraexpat.com, please let us know your dates of stay and the place you head for, so we can establish a tailored plan according to your specific needs.
AGORAEXPAT throughout the world

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