Guideassure CF Fr801e

MEMBERS’ GUIDE
Campus France
“Protection sociale 80”
Cover from the 1st €
January 2022
Welcome to APRIL
International
During your stay in France, you benefit from

comprehensive international insurance cover
selected by Campus France.
Your cover is managed by APRIL International.
We support you throughout your stay with benefits

and services tailored to your needs, in France and all
around 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.
My benefits
Repatriation
assistance
Medical Death &

expenses disability
Personal liability
(excluding professional
and medical liability)
2
What’s in your
members’ guide?
1. YOUR SERVICES > P4-6

Your dedicated team
Your insurance card
Your Easy Claim App
Your Geos security app
2. YOUR HEALTHCARE AND DEATH & DISABILITY COVER > P7-13
Medical expenses
Death & disability insured by GGVie
• Permanent disability of the member as a result of an accident
• Death of the member
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 > P14-15

Talk to a doctor 24/7 via teleconsultation
Your medical referral service
4. YOUR OTHER BENEFITS > P16-19

Repatriation assistance
Personal liability (private capacity)
Death & disability benefits insured by HDI
• Accidental death
• Accidental total permanent disability
• Adjustments to the home and vehicle
5. PRACTICAL INFORMATION > P20-22
6. WHAT IS NOT COVERED BY THE PLAN > P23-30
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1 Your services
Supporting you throughout your stay
Your dedicated APRIL team available 24/7 Facebook

Messenger
for any queries regarding your cover, services

and reimbursements.
By phone on +33 (0)1 56 98 30 58

Dedicated line Dedicated email
By email to campusfrance@april.com
On Facebook Messenger from the page
https://www.facebook.com/APRIL.International/
By chat from your Easy Claim app
Contact form
An IMA Medical assistance and repatriation

team, available 24/7
for any queries regarding medical evacuation,

repatriation or psychological assistance.
The assistance coordinators can be reached at any

time by phone on
+33 (0)5 49 16 36 46
Be sure to provide your plan number: 76326678-30011
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. Insured card
This card shows your plan number, your personal ID to access

Easy Claim, and your emergency numbers.
4
1 Your services
Your Easy Claim mobile app to help you manage your medical expenses
With the app, you can submit your claims online up to €1,000:
Download the Your online

For more information, Easy Claim
see our Easy Claim demo mobile app Customer zone
video
You also have a customer zone accessible
here.
In just a few clicks, find your documents

and forms, track your reimbursement
statements and update your personal
information.
5
1 Your services
Your GEOS Travel Security mobile app for your assistance benefits
With the GEOS Travel Security mobile app you can:
• view and receive security and health information

from GEOS and the assistance provider, IMA,
• be put in touch with IMA to obtain medical

assistance if you have any questions or
problems,
• generate a “repatriation medical expenses“

insurance certificate which may be required by
certain countries to obtain a visa,
• activate geolocation and plan the route on a

map.
The app language (French / English / German)

depends on the settings of the phone on which it is
installed.
How to access GEOS
By registering on the online Traveller Portal,

available here, you can obtain an activation
key for the GEOS Travel Security mobile app.
This key is sent by email once you have
registered on the Traveller Portal.
If you have any problems or questions about
Download the GEOS Travel Security activating the app, please contact GEOS by
mobile app email at: infogts@groupegeos.com.
Minimum system requirements for installation:

iOS 11 or Android 6.0. Some security settings on
your business phone may block the installation
To find it, enter of the GEOS Travel Security mobile app. In this
"SPOTAP" in your case, please contact your IT department.
store’s search
tool.
6 6
2 Your healthcare and death & disability cover
Your Healthcare benefits
Your benefits can be claimed in France and the French Overseas Territories. They can also be claimed in
case of hospitalisation or emergency care following an accident or unexpected illness:
- anywhere in the world during temporary stays of less than 30 continuous days,
- in your country of origin, during trips or holidays not exceeding 90 continuous days,
- in countries within the Schengen area, during stays not exceeding 90 continuous days with an upper
limit of €30,000 per covered person.
PROTECTION SOCIALE 80
HOSPITALISATION (1)
Room and board (including in a rest or convalescent facility)
Medical and paramedical fees
Anaesthesia and resuscitation, and operating theatre costs
Medical and surgical treatments and procedures
Examinations
Diagnostic tests and laboratory work
X-rays, ultrasound and advanced medical imaging (AMI - scans)
Pharmacy items and medically-prescribed drugs

200% of the SS reimbursement basis
Consultations, treatments and examinations in connection with a covered
stay in hospital (30 days before and after)
Rehabilitation in a centre following a covered stay in hospital
Cancer treatment (oncology, chemotherapy, and radiotherapy)
Renal dialysis
Organ transplant
Stays and medical care in a hospice
Dental treatment and reconstructive dental surgery carried out in a hospital

following an accident
Standard private hospital room, per day €50
Daily hospital charge (excluding medico-social facilities) in France 100% of actual costs
Medical transport, only if the hospitalisation is covered 80% of the SS reimbursement basis
MATERNITY (1), (2)
Stays in a maternity unit
Fees and medical treatments and procedures (obstetric and midwifery

consultations)
100% of the SS reimbursement basis
Drugs
Newborn screening and diagnosis of chromosomal abnormalities
Standard private hospital room, per day €50

Outpatient consultations (obstetrics and midwifery)
Pre and post-natal examinations
Childbirth preparation classes Covered under Outpatient care
Home births
(1) All hospitalisation (except for accidents or medical emergencies as defined in Article 3) is subject to prior agreement. If the insurer's medical
examiner accepts that the hospitalisation was medically necessary and that the costs were usual and reasonable, an excess of 20% up to a maximum
of €2,000 per claim will be applied.
(2) &(3) Any single treatment or procedure costing more than €350 and courses of medical treatments or procedures, if the number prescribed is
greater than 10, are subject to the insurer's prior agreement. Otherwise, the costs will not be reimbursed.
7
Your Healthcare benefits (continued)
PROTECTION SOCIALE 80
OUTPATIENT CARE (3)
Medical fees (consultations/home visits)

General practitioner
Specialist (other than ophthalmologists)
X-rays, ultrasound and medical Imaging (MRI and scans)
Diagnostic tests and laboratory work 80% of the SS reimbursement basis

100% for LTCs(4)
Technical medical procedures and minor surgery on an outpatient basis
Paramedical fees
Prescription drugs
Prescribed vaccines, per year and per insured person €100
Medical and orthopaedic equipment and prostheses (excluding vision and

€80
dental care, and hearing aids), per year and per covered person
HEARING AIDS
Hearing aids Not covered

DENTAL (5)
Routine and preventive care (check-ups, X-rays, scaling, treatment of tooth

decay and root canal work)
Inlays/onlays - Dentures - Crowns - Inlay cores 80% of the SS reimbursement basis

Only if the dental expenses are caused by an accident or a dental emergency
(i.e. an infection of the roots which, if left untreated for 48 hours, could lead to
complications)
Orthodontics
Not covered
Implantology - Periodontics
VISION CARE (6)
Medical fees: consultation with an ophthalmologist 80% of the SS reimbursement basis
Glasses: Lenses and frames, per year and per covered person €120
Corrective contact lenses (including disposables)

Not covered
Refractive surgery
(2) &(3) Any single treatment or procedure costing more than €350 and courses of medical treatments, procedures or consultations, if the number
prescribed is greater than 10, are subject to the insurer's prior agreement. Otherwise, the costs will not be reimbursed.
(4) LTC: Long-term condition recognised by the Social Security scheme as defined in Article 3.
(5) All dental treatments and procedures (other than routine and preventive care) and all vision care treatments and procedures are subject to the
insurer's prior agreement. Otherwise, the costs will not be reimbursed.
(6) A WAITING PERIOD OF ONE YEAR FROM THE DATE OF ENROLMENT APPLIES TO THE VISION CARE BENEFIT
Vision care expenses are only covered if they are caused by an accident (ocular trauma) or an ophthalmological emergency (i.e. an eye injury for
which the absence of treatment within 48 hours is likely to lead to complications and compromise the functional and/or visual prognosis).
! 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.
8
2 Your healthcare and
death & disability 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 the country where

you are staying.
IMPORTANT:
Case no.1: if a prescription is required by the laboratory, we recommend using your
teleconsultation service to obtain one.
Case no.2: the test can be carried out without a prescription in the laboratory. Please
note that APRIL will require a prescription in order to reimburse you. Remember to
use your teleconsultation service.
How will you be reimbursed?

And how are Covid-19 vaccines covered?
Our advice: Remember to use the teleconsultation service to obtain your prescription.
Expenses incurred Expenses incurred

Special cover of COVID-19
outside France in France
COVID-19 TESTS 100% of the SS reimbursement basis up to

100% of actual costs up to the level of
(PCR - antibody - antigen) the level of reasonable and customary
reasonable and customary costs*.
On prescription only costs*.
100% of actual costs

COVID-19 VACCINE
Without a prescription
Authorised by the local authorities
Up to the level of cover provided under the plan
*For information on reasonable and customary costs in your area, contact your dedicated team.
IMPORTANT:
Only medically necessary tests are covered.
Tests related to travel requirements are excluded from the benefit.
9
Your Death & disability benefits insured by GGVie
Death and permanent disability

Campus France provides you with dual cover: Death and Disability. These benefits can be
combined but are underwritten by two different insurers.
TYPE OF BENEFIT COVER LIMITS
Permanent disability of the member as a result of an accident

In case of total or partial permanent disability due to an accident
suffered by the member
€18,500
Compensation for 100% disability
(the degree of disability must be at least 10%)
Death of the member
In the event of the death of a member aged 12 or over €6,500
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How to claim the reimbursement of your medical expenses
For all medical bills under €1,000:
1. Consult a health 2. Send your claim for 3. Your reimbursement is

professional, reimbursement of up to €1,000 to processed within 48 hours.
APRIL International via your Easy
Claim app,
To submit your claim from your Easy Claim app:

1 Download your app,
2 Log in using your ID,
3. Make sure you have filled in your bank details,
4. Enter your claim of up to €1,000 by:
a. entering the name of the beneficiary and the cost of the medical care,
b. adding photos of your medical bills and prescriptions,
c. sending us everything with a simple click!
5. Track the processing of your claim in the ”Track my reimbursements” section.
For all medical bills over € 1,000:
Please send us the following documents:

• the originals of paid bills or expenses, and medical prescriptions dated and showing your full
name and date of birth, the type of illness, the nature and date of the visits and medical care
given, together with proof of payment,
• if the medical care requires a Request for prior approval form, the Prior approval form
accepted by our medical department, by post to
APRIL International Care
Service courrier - 1 rue du Mont - CS 80010
81700 BLAN - FRANCE
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How to claim your reimbursement
You can be reimbursed by bank 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.
Hospitalisation (excluding accidents or medical emergencies)
Courses of treatment if the number prescribed is greater than 10:

TREATMENTS physiotherapy sessions, psychiatric consultations, nursing care, childbirth
AND preparation classes, etc.
PROCEDURES
SUBJECT TO Any single treatment or procedure costing more than €350
PRIOR
APPROVAL Any dental treatment or procedures (other than routine care and
prevention)
Any vision care
No prior approval required in case of emergency or accident.

If this procedure is not followed:
> In case of hospitalisation: a 20% excess will be applied to the reimbursement of your bill,
! > For all other treatments or procedures: no reimbursement.
Your Request for prior approval will be processed within 72 hours.
You have 2 years to make your claims.
IMPORTANT
Please keep the original medical bills (and other supporting documents) for a period of 2 years
from the date of your claim. They may be required in the event of an audit.
12
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
Prepare your request including: Contact us as soon as possible so that we can

• all the medical documents for your admission to assist you with the admission formalities:
hospital >We will contact the hospital for information about
• the estimate of costs provided by the hospital your admission and the cost of the hospitalisation
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
with :
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 4 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
13
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 healthcare 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!
This service is free, there’s nothing to pay.
To use this service:

Go to the “Contact a Doctor” section on 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.
Teleconsultation is not an emergency service. If necessary, go to the nearest hospital.
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 just 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
14
3 Where to have treatment
Medical referral service
You are free to choose your doctor or

hospital.
But because it’s sometimes difficult to know 2. We make sure the rates being quoted are
who to consult, we offer a medical referral consistent with the proposed treatment and
service. the place where you will be treated.
3. In some cases, we may recommend a

How does it work? transfer to another hospital or repatriation to
Do you simply want information on doctors your country of origin. Any suitable
and medical facilities near you? You have alternative solutions will be put to you.
access via your Easy Claim app to the list of
healthcare providers in our network. Your With your agreement, we will implement the
dedicated team can also advise you. most appropriate solution for your situation.
We will call you regularly throughout your
stay and when you leave hospital, to ensure
Need to be admitted to hospital? We can the best possible follow-up care.
help you prepare for hospitalisation:
1. Our medical team will review your proposed Do you have a medical condition requiring
care plan to ensure it’s appropriate for your special care?
condition. If you wish, we will recommend Our medical team reviews your care plan
quality medical facilities suited to your and advises you on quality medical facilities,
medical situation. We can also offer you a suited to your medical situation.
second medical opinion.
In all cases, we will ensure you have access
to quality care at reasonable and customary
rates.
15
4 Your other benefits
Repatriation assistance
How to claim your Repatriation Assistance benefits
You can contact the team of assistance coordinators from the GEOS Travel Security app by chat, email
to assistance.fr@hdi.global or on +33 (0)5 49 16 36 46.
This number is available in your Easy Claim app and on your insurance card in wallet format. You can
reach them 24/7.
Be sure to provide your plan number: 76326678-30011.
The HDI teams will assess your medical situation and arrange for you to be repatriated if necessary.

INSURANCE COVER
Requests for psychological or psychiatric assistance:
By the insured member in the home country €2,000
By the family in case of the death or total permanent disability of the

€2,000
insured member
Search and rescue costs: up to a maximum of €30,000
Travel Incidents:

Trip cancellation or modification
up to a maximum of €1,500
Travel delay of more than 4 hours
up to a maximum of €200
Means of payment:
Theft of payment cards
Theft of keys or papers
Baggage:

Loss, theft, or destruction of personal luggage and business equipment
up to a maximum of €1,500
Baggage delay of more than 4 hours
Personal effects:
€50 excess
MEDICAL ASSISTANCE SERVICES
Sending a doctor on site 100% of actual costs
Sending essential goods that are not available locally abroad 100% of actual costs
Medical advice and information by telephone telephone service
Medical follow-up 100% of actual costs
Transportation of the insured member to the medical centre 100% of actual costs
Repatriation of the insured member and return of persons 100% of actual costs
accompanying the insured member
Repatriation or transportation of the insured member following an 100% of actual costs
attack, act of terrorism, sabotage or natural disaster
Extension of stay up to a maximum of €3,000
Presence of family members and/or friends up to 3 persons Round trip
• Travel ticket accommodation costs
• Cover of stay for a maximum of 10 days €7,500 maximum
Care of children under the age of 16 in mainland France €1,500 or round trip
Repatriation of the body in the event of the death of the insured 100% of actual costs
member, and their luggage
Accompanying the deceased round trip + €200 /night with a maximum of 7 nights
Cost of a coffin up to a maximum of €1,000
16
Repatriation assistance (continued)
TRAVEL ASSISTANCE SERVICES
Information before leaving to go abroad Internet portal and telephone service
Early return of the insured member:
• in the event of the death or hospitalisation of a family member round trip
• in the event of serious damage to the home round trip
Loss of papers and personal belongings abroad:
• Administrative assistance telephone service
• Cash advance (up to €15,000) telephone service
• Advance payment of a travel ticket service
Loss or theft of an official document delivery costs up to a limit of €200
Transmission of urgent messages telephone service
Translations and interpreting telephone service
Referral to legal services telephone service
Legal assistance and legal costs in case of detention abroad up to a maximum of €10,000
Advance of bail abroad up to a maximum of €15,000
DAY-TO-DAY ASSISTANCE SERVICES (in mainland France and the French Overseas Departments and Regions)
Medical care at home telephone service
Booking a taxi or courier telephone service
Transmission of urgent messages telephone service
Care or transfer of children under the age of 16 round trip or maximum of €1,500
Domestic help in case of hospitalisation up to a maximum of €500
Care of pets up to a maximum of €500
Telephone information services telephone service
PSYCHOLOGICAL ASSISTANCE SERVICES
Counselling 5 telephone conversations
17
Personal liability (outside the home country)
The personal liability benefit covers the financial consequences of damage caused to others
(third parties) for which you are held responsible during your expatriation. If you are the victim
(in case of assault, theft, imprisonment, etc.), the financial compensation for the damage
caused to you is not covered under the Personal Liability plan.
Up to €10,000,000
Bodily injury, material damage and consequential financial loss including:
€5,000,000 (> 90 days)
€2,000,000
- Sub-limit for the USA / Canada
€1,000,000 (> 90 days)
- Sub-limit for food poisoning €750,000
- Sub-limit for material damage and consequential financial loss €750,000
- Sub-limit for damage to property entrusted to the intern and non-consequential

€15,000
financial loss
- Sub-limit for damage to computer equipment provided by the universities and
€3,000
faculties
Members of the same family are not considered to be third parties with respect to each other.
How to make a Personal liability claim
Within 5 days of the loss, you can submit your claim by:
detailing the circumstances (place, time, date, and description of the facts)
describing the damage,
providing contact details for the injured party,
adding the third-party claim
and send it by email to Declaration.Sinistre@filhetallard.com
18
Income protection – daily allowance
Daily allowance
In case of hospitalisation in the home country following medical
€75 per day for a maximum of 21 days
repatriation or transfer
2% per week of the lump sum payable in case of death, up
In case of coma
to a maximum of 50 weeks and €300,000
Your HDI Death & disability benefits

Death and permanent disability
Campus France has taken out dual cover for you: Death and Disability. These benefits can
therefore be combined but are underwritten by two different insurers.
Accidental death €2,000 increased to €4,000 for road traffic accidents
€1,000 / child
per dependent child
maximum of € 5,000 / insured member
in case of a catastrophic event 50% of the accidental death lump sum
Spouse/child benefit 50% of the accidental death lump sum
Accidental total permanent disability €35,000
10% of the accidental permanent disability lump sum up

Adjustments to the home and vehicle to a maximum of €15,000
19
5 Practical information
YOUR COVER
Where am I covered?
With your Campus France plan, you are covered for the entire duration of your studies in France and the
French Overseas Territories.
Your cover is also valid for hospitalisation or emergency care following an accident or unexpected illness:
- anywhere in the world during temporary stays of less than 30 continuous days,
- in your country of origin, during trips or holidays not exceeding 90 continuous days,
- in countries within the Schengen area, during stays not exceeding 90 continuous days with an upper
limit of €30,000 per covered person.
When am I covered?
You are covered 24 hours a day, 7 days a week from the first to the last day of your mobility programme
managed by Campus France. If you wish to extend your stay in France, we strongly recommend taking
out individual insurance cover.
APRIL international can provide you with suitable insurance solutions. To find out more, contact us by
phone on +33(0)1 73 03 41 29 or by sending an email to conseillers.expat@april-international.com
Does my Campus France plan cover my vehicle and accommodation?

No, your plan covers medical expenses, repatriation assistance, personal liability 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” benefit as it is classed as a motorised vehicle.
I practice a number of sports: am I insured for these activities?

You are insured for non-competitive, non-hazardous sports and for leisure activities.
The practice of sports in a professional capacity or participation in professional sporting activities, in
competition or as part of membership of a club or federation, as well as the practice of engine, aerial,
nautical, mountain, motor, defence, combat, and extreme and dangerous sports is not covered under the
plan.
Who provides my cover?

All the benefits are provided by GGVie and HDI.
MY SITUATION
Is my family insured by Campus France?
Your dependants are not normally enrolled in the Campus France insurance plan (other than in very rare
mobility programmes). For more information, please contact your Campus France mobility coordinator
by email.
Who are the beneficiaries of the death benefit?

The lump sums payable in the event of death are allocated in order of preference to:
- the spouse of a married insured member from whom they are not legally separated,
- failing which, the civil partner
- failing which, the insured member’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 do this, please complete the Beneficiary Designation form on page 32 of this guide and
return the original document by post to Service Courrier - 1 rue du Mont CS 80010 - 81700 Blan - FRANCE.
What if my circumstances change?

Please notify us of any change in your family situation (birth, marriage or divorce) within 30 days of the
event so that your personal information can be updated. Please also contact Campus France to inform
them of your change of circumstances.
20
5 Practical information (continued)
I NEED TO SEE A DOCTOR/GO INTO HOSPITAL
What should I do in case of an accident?
We are available 24/7 to assist you in case of a medical emergency.
If you have an accident in France, go to the nearest hospital and contact APRIL International on +33 (0)1 56
98 30 58. We will assist you with the procedures to follow and put you in direct contact with the hospital.
I have to go into hospital: what will happen?

Scheduled hospitalisation?
Send APRIL International all the information relating to your hospitalisation (medical documents, hospital
estimate with doctors' fees and excess fees, and hospital charges including the cost of a private room)
via the Easy Claim app.
Your request will be reviewed by our hospitalisation team who will contact you very quickly to help you
complete all the formalities.
This includes contacting the hospital to which you will be admitted and paying the bill directly so that you
do not have to advance the costs covered by your insurance.
Which doctors can I see?

You have access to a medical teleconsultation service, available 24/7 via your Easy Claim app. This
service allows you to be put in touch with a doctor in your own language and obtain a prescription
regardless of the country you are in.
If you want a face-to-face appointment in a medical practice, you are free to choose your doctor. We
recommend medical service providers, listed in your Easy Claim app, both in France and abroad, to make
it easier for you to manage your healthcare.
DOCUMENTS TO HELP YOU MANAGE YOUR PLAN

Where can I get an insurance certificate?
You will find your insurance certificate in your Welcome pack from APRIL International. You can also
download it at any time in French and English from your Easy Claim app in the "My documents” section.
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 sent by APRIL International.
What is my APRIL insurance card for and where can I find it?
It was sent to you in your Welcome pack. It includes the numbers you can reach 24/7 if necessary.
You can find it in your Easy Claim app. We recommend downloading it to your Wallet app so that you
always have it with you.
How do I claim the reimbursement of my medical expenses?

Simply send your claim to APRIL International via the Easy Claim app in the "Submit a claim“ section
providing details of the beneficiary and photos of the medical bills and prescriptions.
For all medical bills over €1,000, please send your claim for reimbursement by post to:
APRIL International Care
Service courrier - 1 rue du Mont - CS 80010
81700 BLAN - FRANCE
21
5 Practical information (continued)
YOUR ENROLMENT IN THE FRENCH SOCIAL SECURITY SYSTEM
What is the procedure to follow to benefit from French Social Security?
• Are you a student?
If you are an international student, you must register on the dedicated website: etudiant-etranger.ameli.fr
Here is a tutorial on enrolling in French Social Security.
• Not a student?
To benefit from French Social Security, you need to enrol in the French Health Insurance body, Caisse
Primaire d'Assurance Maladie (CPAM).
To do this, you need to complete form S1106 “Demand d’ouverture de droits a l’assurance maladie”
available here.
To find out which CPAM you will be allocated to, go to https://www.ameli.fr/ .
• Are you enrolled in the CAFAT (New Caledonia’s Social Security system)?
You will need to ask CAFAT to issue you with form SE 988-02 (Attestation relative à la totalisation des
périodes d’assurance), and submit it to the Caisse Primaire d'Assurance Maladie (or CPAM) of your place
of residence.
• In all cases
Once you have completed these formalities, you will need to send your Social Security enrolment
certificate to Campus France and APRIL International as soon as possible, even if it is provisional.
Once you are enrolled and have obtained your permanent Social Security number, please download your
certificate of entitlement and send it to APRIL International via the Easy Claim app so that the electronic
transmission service can be set up.
How to create an Ameli account

Create an Ameli account on Ameli.fr: Prepare your bank details (already sent to your CPAM) and your
permanent registration number then click on “Je crée mon compte".
Fill in the requested information and validate the form... you’re now in your Ameli account!
You will then be able to log in to your Ameli account via the app with the codes you have chosen.
Here is a video tutorial on how to create an Ameli account.
22
6 What is not covered by the plan
Exclusions applicable to Healthcare benefits
THE FOLLOWING ARE EXCLUDED :
- expenses incurred before the effective date and after the benefits have come to an end;
- the 20% excess if a request for prior agreement has not been made or the costs incurred following the
denial of cover by the insurer;
- pre-existing conditions: any illness, complaint or injury, or associated symptoms, which began prior to
the date of enrolment in the plan, of which the member is or was aware, or could reasonably have been
aware, and which the insurer has not expressly agreed to cover;
- any medical and surgical expenses not prescribed by a qualified medical authority holding the
diplomas or authorisations required in the country where they practice and where they are legally
entitled to practise;
- treatments and procedures: - which are not covered by French Social Security: - not included in the
French Social Security classification - not covered by any tariff in the French Social Security
classification;
- any form of treatment or medication which the insurer deems to be experimental or unjustified or
whose effectiveness has not been proven according to generally accepted medical practice, as well as
any treatment not recognised by the medical authorities of the country where it is practised;
- costs that are deemed to be extravagant, unreasonable or unusual for the country in which they were
incurred. The only costs covered and reimbursed under the plan are those that are customary and
reasonable, i.e. those that are reasonable and generally charged in the country in question for the
specific treatment received, in accordance with standard and generally accepted medical
procedures;
- costs deemed unhelpful from a purely medical point of view, and unnecessary and/or inappropriate by
the insurer's medical examiner;
- practitioner fees for administrative purposes only (e.g. to obtain a visa, complete a claim form, etc.);
- the cost of hospitalisation in a deluxe room, VIP room and other suites;
- expenses incurred as a result of travel contrary to medical advice;
- non-medical admissions or hospital stays which include: - either a treatment which could be provided
during the day or in outpatient care or in outpatient primary care, - or a treatment not medically
justified on the advice of the Medical examiner, - and convalescence;
- in case of hospitalisation, incidental expenses not directly related to medical care, such as telephone,
television, internet access, newspapers, taxi fares, and meals provided to visitors;
- the cost of hospitalisation or a stay in a sanatorium or preventorium where the establishment in which
the insured person is staying is not approved by the competent public authority;
- the costs of stays, accommodation and treatment relating to: - stays in a health or fitness centre,
convalescent home, spa, thalassotherapy and health resort and other similar facilities not recognised
as a hospital, including when the stay follows hospitalisation, - detoxification therapies, - stays in an
aftercare establishment or similar establishment, - stays in a hydrotherapy establishment, spa,
naturopathic clinic or similar place, even if it has the characteristics of or is registered as a hospital;
- check-ups, screening and preventive check-ups that are not medically required or carried out without
a medical reason;
- accommodation and treatment costs in the countryside, at the seaside or in the mountains;
- care provided in a nursing home or retirement home and the costs of assisting a person with their day-
to-day activities, even if that person is declared temporarily or permanently disabled and, more
generally, costs relating to comfort care or assistance at home, even if it is prescribed by a doctor and
provided by providers with medical or paramedical status;
- the cost of accommodation and treatment in rest homes and/or convalescent homes, rehabilitation
and re-education establishments, unless the insurer's medical examiner decides to cover the costs
when the stay follows hospitalisation lasting more than 30 days or major medical or surgical
hospitalisation. In this case, the cover of these accommodation or treatment costs is in all cases limited
to 30 days;
23
Exclusions applicable to the Healthcare benefits (continued)
THE FOLLOWING ARE EXCLUDED:
- travel and hotel expenses in connection with medical care;
- rescue or evacuation costs;
- all medical interventions, operations and treatments related to sexual dysfunction or impairment (such
as impotence, regardless of cause) or gender-related disorders (sex change or gender reassignment);
- Surrogacy costs, i.e. any treatment directly related to the use of surrogate mothers, whether the insured
person is the surrogate mother or the intended parent;
- treatment of sterility or infertility, including medically-assisted reproduction;
- hormone treatments;
- all medical interventions, operations and treatments for the purpose of preventing birth: sterilisation,
vasectomy and voluntary termination of pregnancy (unless there is a threat to the health of the
pregnant woman), as well as treatment following a complication related to sterilisation or voluntary
termination of pregnancy;
- genetic tests, other than DNA tests directly related to amniocentesis covered under the plan (for
women aged 35 and over);
- foetal surgery, meaning treatment or surgery performed in the uterus before birth, unless it is as a result
of complications declared during the pregnancy;
- sleep disorders, including insomnia, unless the insured person has declared that they suffer from
severe sleep apnea;
- treatment of attention deficit disorders, hyperactivity, obsessive-compulsive disorders, emotional
disorders, and eating disorders;
- expenses incurred in the acquisition of an organ, such as donor search, compatibility tests, collection,
transport and administrative costs;
- foot care by a pedicurist or chiropodist, such as treatment for corns or calluses, and thickened and/or
deformed nails, except in the case of medical necessity approved by the insurer's medical examiner;
- diagnoses and treatments related to hair loss or hair replacement, unless the hair loss is due to the
treatment of cancer;
- all tests and treatments for obesity or anorexia or those required as a result of obesity or anorexia,
including in particular courses and costs of weight loss or weight gain treatments, aids and
prescriptions for medication for obesity or anorexia. In certain clinical cases, following the advice of the
insurer's medical examiner, surgery for morbid obesity (Body Mass Index [BMI] over 40) may be covered;
- anti-aging treatments;
- the cost of consultations with nutritionists;
- medical or surgical, restorative or aesthetic (or similar) procedures and costs of cosmetic, aesthetic or
reconstructive treatment by a plastic surgeon to improve or transform the appearance - even for
psychological reasons - unless this treatment is related to the restoration of a physical appearance or
function following a disfiguring accident or following surgery related to the treatment of cancer, which
is carried out during the period of insurance cover and with the prior agreement of the insurer's
medical examiner;
- cosmetic products, even if they have been medically recommended, prescribed or recognised as
having therapeutic effects;
- products that are not recognised as medicines such as cotton wool, alcohol, sun creams, make-up,
creams and beauty products, personal care products, toothpaste, dressings, soap, perfume, shampoo,
infant formula, vitamins or minerals, as well as food supplements (except to treat a major clinical
vitamin deficiency) and all pharmaceutical products whose medical use is not recognised by the
French Social Security scheme;
- drug or alcohol abuse care or treatment;
- treatment resulting from the harmful, dangerous or addictive use of alcohol, drugs, narcotics or
medication.
- Also excluded are the consequences of:
- intentional or fraudulent acts committed by the insured person and/or violations of the laws of the
country in which the member is staying;
24
Exclusions applicable to the Healthcare benefits (continued)
THE FOLLOWING ARE EXCLUDED:
- attempted suicide, and self-inflicted injuries or illnesses;
- alcoholism or drunkenness on the part of the insured person;
- the use of drugs, narcotics or psychotropic substances without a medical prescription;
- the direct or indirect effects of the modification of the structure of the atomic nucleus, chemical
contamination, radioactivity or explosion;
- the insured person's active participation in civil disturbances, terrorist acts, or criminal acts;
- civil or foreign war, insurrection, rebellion, riots, military coups or any usurping of power, martial law or
acts committed by any illegally constituted authority, regardless of the location and the protagonists of
the events, in particular if the insured person has put themselves in danger by entering an area
recognised as strongly inadvisable by the French Government or the country of expatriation, or has
shown flagrant disregard for their own safety;
- professional sports or participation in professional sporting activities;
- the use of firearms;
- the practice, even as an amateur, of the sports listed below:
- mountain sports: mountaineering, climbing (excluding artificial holds without a safety rope), rock
climbing, hiking above 3,000 metres, ski jumping, bobsleigh, Skeleton, canyoning, rafting, skiing (alpine,
cross-country and snowboarding) off marked trails which are open to the public,
- air sports: aerobatics, gliding, parachuting, microlighting, hang-gliding, paragliding, skysurfing, and hot
air ballooning,
- water sports: scuba diving, hydro speeding, kite surfing, and jet-skiing,
- competitive defence and combat sports,
- motor sports: motor racing, motorcycle racing or kart racing. However, any practice of these sports, as
an initiation, leisure or "baptism", when supervised by a professional with the diplomas and skills
required by the State, is covered,
- extreme sports including for leisure or initiation: bungee jumping, caving, extreme canoeing and
kayaking (in rapids greater than Class V, rivers greater than Class II, on seas and oceans more than two
nautical miles from land), sailing (transoceanic and single-handed navigation more than 20 nautical
miles from shelter) and base jumping.
25
Exclusions applicable to the Death & disability benefits
THE FOLLOWING ARE EXCLUDED FROM THE BENEFIT:

- ruptured aneurysms, paralysis or apoplexy, angina pectoris and its consequences and all the
consequences of vascular diseases, hernias of any kind, lumbago, rheumatism, varicose veins,
dermatitis and, whatever the circumstances, accidents caused by a pathological condition of the
member,
- pre-existing conditions: any illness, complaint or injury, or associated symptoms which began prior to
the date of enrolment in the plan, of which the member is or was aware, or could reasonably have been
aware, and which the insurer has not expressly agreed to cover.
THE FOLLOWING ARE ALSO EXCLUDED: THE CONSEQUENCES OF:
- intentional or fraudulent acts committed by the member and/or infringements of the laws of the
country in which they are staying,
- attempted suicide, and self-inflicted injuries or illnesses,
- alcoholism or drunkenness on the part of the member (blood alcohol level higher than that set by the
legislation governing motor vehicle traffic in force on the day of the accident in the country where the
accident occurred),
- the use of drugs, narcotics or psychotropic substances without a medical prescription,
- climatic events such as storms or hurricanes, earthquakes, floods, tidal waves and other cataclysms,
except in the case of compensation for natural disasters, - the direct or indirect effects of the
modification of the structure of the atomic nucleus, chemical contamination, radioactivity or explosion,
- the member's active participation in civil disorder, terrorist acts, or criminal acts,
- civil or foreign war, insurrection, rebellion, riots, military coups or any usurping of power, martial law or
acts committed by any illegally constituted authority, regardless of the location and the protagonists of
the events, in particular if the member has shown flagrant disregard for their own safety;
- strikes, acts of terrorism, piracy, and sabotage,
- voluntary participation in brawls, popular movements, regardless of the location and the protagonists
(except in the case of self-defence),
- sailing and navigating on the high seas,
- participation in all sporting competitions and training for these competitions, as well as any practice of
sports within the framework of a club or federation,
- the practice of sports in a professional capacity,
- any sport requiring the use of any land, water or air motorised craft, - any sporting activity involving the
use or presence of an animal, such as equestrian competitions or bullfighting,
- air navigation accidents unless the member is a passenger on board an aircraft for which the owner
and pilot have all the required authorisations and licenses,
- the practice of professional sports or participation in professional sporting activities,
- the practice, even as an amateur, of the sports listed below:
• mountain sports: mountaineering, climbing (excluding artificial holds without a safety rope), rock
climbing, hiking above 3,000 metres, ski jumping, bobsleigh, Skeleton, canyoning, rafting, skiing (alpine,
cross-country and snowboarding) off marked trails which are open to the public,
• air sports: aerobatics, gliding, parachuting, microlighting, hang-gliding, paragliding, skysurfing, hot-air
ballooning, and water sports: scuba diving, hydro speed, kite surfing, and jet-skiing,
• competitive defence and combat sports,
• motor sports: motor racing, motorcycle racing or kart racing,
• extreme sports including for leisure or initiation: bungee jumping, caving, extreme canoeing and
kayaking (in rapids greater than Class V, rivers greater than Class II, on seas and oceans more than two
nautical miles from land), sailing (transoceanic and single-handed navigation more than 20 nautical
miles from shelter) and base jumping.
26
Exclusions applicable to all benefits
LOSSES IN RESPECT OF ALL THE BENEFITS SET OUT UNDER ARTICLES 1 TO 15 OF TITLE III “THE INSURANCE
BENEFITS" ARE EXCLUDED IF THEY ARE THE RESULT OF:
The suicide or attempted suicide of the insured member,
- Accidents or pre-existing illnesses which occurred prior to the effective date of the plan and which are
subject to relapse or are not stabilised,
- The participation of the insured member in offences or crimes as defined by the criminal law applicable
in the country where the event occurred,
- War, whether or not it is declared, in the insured member’s home country,
- Any modification whatsoever of the atomic structure of matter or the artificial acceleration of atomic
particles or due to radiation from radioisotopes.
- Acts of terrorism committed by means of nuclear, bacteriological or chemical weapons or substances, in
the same way the benefits provided under the plan are not granted to insured persons travelling to a
country in which a civil or foreign war was already in progress before their departure for that country.
27
Exclusions applicable to the Repatriation Assistance benefits
MEDICAL EXPENSES EXCLUSIONS

The following are always excluded from the benefit:
- expenses resulting from a mental illness.
- Spa therapies and rehabilitation.
- The cost of glasses, contact lenses, and prostheses of any kind.
- If the insured member travels against medical advice.
- If the purpose of the trip is to receive medical treatment or advice.
- Medical and hospitalisation expenses following an accident that occurred before the effective date of
the plan.
- Medical and hospitalisation expenses related to childbirth or pregnancy, except in the case of
complications that could be life-threatening for the mother and/or child.
TRAVEL INCIDENT EXCLUSIONS

The following are always excluded from the "trip cancellation and modification" benefit
- travel cancellations due to strikes,
- cancellations due to failure to present, for whatever reason, any of the documents required for travel,
- the financial failure of the tour operator or carrier leading to its cessation of activity,
- cancellations due to a vaccination oversight.
BAGGAGE EXCLUSIONS
Loss, theft or damage to baggage and business equipment is always excluded:
- damage caused by normal wear and tear, obsolescence, and inherent defects of the item.
- damage caused by moths or vermin or by cleaning, repair or restoration work.
- mishandling of the item by the insured member or any other person.
- damage resulting from confiscation, seizure or destruction by order of an administrative authority.
- deterioration due to an electrical or mechanical incident or to the non-operation of business equipment.
Under the "delayed baggage" benefit, no reimbursement will be due to the insured member:
- if they do not report the delay or loss of their luggage to a competent person of the airline as soon as
they become aware of it.
- If the insured member’s luggage is confiscated or requisitioned by customs or government authorities.
- On the insured member’s direct flight home at the end of the business trip.
MEANS OF PAYMENT AND PERSONAL PROPERTY EXCLUSIONS

- intentional or malicious misconduct on the part of the insured member, one of their friends or relatives or
one of the insured member’s employees;
- theft committed by any person other than a third party;
- the failure of the Insured member to comply with the obligations of the payment card or withdrawal
contract.
28
Exclusions applicable to the Repatriation Assistance benefit
(continued)
MEDICAL ASSISTANCE EXCLUSIONS
3.1 in respect of the medical and hospitalisation expenses abroad benefit:
- Expenses resulting from a mental illness.
- Spa therapies and rehabilitation.
- The cost of glasses, contact lenses, and prostheses of any kind.
- If the insured member travels against medical advice.
- If the purpose of the trip is to receive medical treatment or advice.
- Medical and hospitalisation expenses resulting from an accident that occurred before the effective date
of the plan.
- Medical expenses incurred as a result of an illness which was first diagnosed before the effective date of
the plan and before the date on which a person acquires the status of insured member.
- Medical and hospitalisation expenses related to childbirth or pregnancy, except in the case of
complications that could be life-threatening for the mother and/or child.
3.2 in respect of the medical assistance benefit, the assistance provider will not provide a repatriation
service for benign illnesses or injuries that can be treated locally, mental illnesses and pregnancy one
month before the due date.
TRAVEL ASSISTANCE EXCLUSIONS

Legal fees and bail in connection with criminal or penal activity are always excluded from the benefit.
29
Exclusions applicable to the Personal Liability benefit
THE FOLLOWING ARE ALWAYS EXCLUDED FROM THE PERSONAL LIABILITY (PRIVATE CAPACITY) ABROAD BENEFIT:
- Damage resulting from intentional or fraudulent acts on the part of the insured member, or caused with their
knowledge.
- Any damage resulting from the performance of a professional activity or any other function carried out ON THE
ORDERS OF A HIERARCHICAL SUPERIOR (except for damage to equipment used during an internship),
- Damage caused by the insured member in the country of origin,
- Fines and penalties, including those which would be equivalent to civil damages, as well as the associated costs,
- Damage caused by floods, earthquakes, tidal waves, volcanic eruptions or other natural phenomena of a
catastrophic nature,
- Damage caused by foreign or civil war, acts of terrorism or sabotage, riots, popular movements, strikes, and
lockouts,
- Damage or aggravation of damage caused by:
- Weapons or devices designed to explode by structural modification of the atomic nucleus,
- Any nuclear fuel, radioactive material or waste, or any other source of ionising radiation.
- Damage caused by air, space, sea, river or lake navigation devices, as well as by railway equipment which the
insured member or persons for whom they are civilly liable own, have custody, operate or use.
- Damage resulting from:
- Any participation by the insured member or persons for whom they are civilly liable in bets
- The organisation of matches, races or sporting competitions, or other preparatory trials for such events
- Participation in matches, races or sporting competitions, or other preparatory trials for such events,
- The practice of motor sports, air or water sports and dangerous sports (caving, boxing, and bungee jumping),
- The practice of hunting, including damage caused by dogs while hunting,
- Damage caused by animals other than pets,
- Material damage and financial losses affecting movable and immovable property owned by the insured member or
the persons for whom they are civilly liable, or which they have on deposit, on hire, in custody, on loan, or which is
ENTRUSTED TO THEM FOR USE, WORK, TRANSPORT OR FOR ANY OTHER PURPOSE; it is understood that material damage
caused to the property of third parties during the internship remains covered, within the limit set out in Article 11.2
- Thefts committed in buildings or fixed installations, of which the insured member is an occupant or tenant on a
permanent basis, i.e. for a period exceeding three (3) months
- Material damage and financial losses caused by fire from any kind of source, explosion, electrical incident or water
damage, caused to:
- buildings or fixed installations and their contents, of which the insured member is the occupant or tenant on a
permanent basis, i.e. for a period exceeding three (3) months,
- Property belonging to neighbours and third parties resulting from fire, explosion, electrical incident or the action of
water occurring in the buildings or fixed installations of which the insured member is the occupant or tenant on a
permanent basis, i.e. for a period of more than three (3) months, occurring on the premises, outbuildings or fixed
installations, interior or exterior, whether or not they are adjoining, of which the insured member is the owner, tenant or
occupant,
- Damage caused by any harm to the environment, unless it is the direct result of accidental breakage of the
installation or an error,
- Damage caused by any motor vehicle of which the insured member is the owner, tenant or keeper for risks which
are covered by compulsory motor insurance,
- Damage resulting from the use or possession of explosives or firearms,
- Damage resulting from the use of drugs, narcotics or medication not prescribed by a doctor,
- The consequences of the infringement of intellectual, industrial, literary or artistic property rights, copyrights and
trademark rights,
- For damages and/or claims occurring in the United States and Canada, punitive damages, such as “punitive and
exemplary damages”.
30
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. Any reproduction of any kind, either partial or total, of the said elements and texts of any kind, is prohibited and will result in prosecution.
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
wallet format.
November 2021.
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.
NAF6622Z – VAT number FR60309707727
You must send us the original version of this form,
once completed and signed.
Copies or scanned versions have no legal value
and shall be considered void.
DESIGNATION OF BENEFICIARY
Campus France
APRIL policy number:
PLEASE WRITE IN CAPITAL LETTERS (*mandatory field)

To be completed only if you wish to designate other beneficiaries than the ones specified below:
The default beneficiary in the event of your death is your spouse from whom you are not separated, failing which
your civil partner, failing which your children born or unborn, in equal parts (in case of a pre-deceased child, their
part will be shared by their own descendants or siblings if they don’t have children), failing which your father and
mother in equal parts or, failing which, your heirs. If, however, you wish to amend this clause, please provide the
following information and send the original document by post to your dedicated client service team:
APRIL international Care France – Postal service - 1 rue du Mont - CS 80010 - 81700 Blan - France
Identification of the insured

Last name:
First name:
Date of birth (DD/MM/YYYY):
Beneficiary (or beneficiaries) for Death benefits

I designate as beneficiary (or beneficiaries) in the event of my death (please specify their last name, first name(s),
date and place of birth and the percentage of the lump sum to be allocated):
, failing which, my heirs.
The default beneficiary in the event of your death is your spouse from whom you are not separated, failing which your
civil partner, failing which your children born or unborn, in equal parts (in case of a pre-deceased child, their part will
be shared by their own descendants or siblings if they dont have children), failing which your father and mother in
equal parts or, failing which, your heirs. If, however, you wish to amend this clause, please provide the following
information and send the original document by post to your dedicated client service team.
Signature
I undersigned, certify the accuracy and truthfulness of the statements used for the registration.
Signed in (town or city): Date (DD/MM/YYYY):
Signature:
April International Care France – 14 rue Gerty Archimède – 75012 Paris – France.
A French simplified joint-stock company (S.A.S.) with capital of €200,000 - RCS Paris 309 707 727 Insurance intermediary - Registered with ORIAS under number 07 008 000
(www.orias.fr) Prudential Supervision and Resolution Authority - 4 place de Budapest - CS 92459 - 75436 Paris Cedex 09 – France.
NAF6622Z - Intra-community VAT N° FR60309707727

Guideassure CF Fr801e

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MEMBERS’ GUIDE

“Protection sociale 80”

Cover from the 1st €

During your stay in France, you benefit from

Your cover is managed by APRIL International.

We support you throughout your stay with benefits

Medical Death &

1. YOUR SERVICES > P4-6

2. YOUR HEALTHCARE AND DEATH & DISABILITY COVER > P7-13

3. WHERE TO GET TREATMENT > P14-15

4. YOUR OTHER BENEFITS > P16-19

5. PRACTICAL INFORMATION > P20-22

6. WHAT IS NOT COVERED BY THE PLAN > P23-30

Your dedicated APRIL team available 24/7 Facebook

for any queries regarding your cover, services

By phone on +33 (0)1 56 98 30 58

An IMA Medical assistance and repatriation

for any queries regarding medical evacuation,

The assistance coordinators can be reached at any

Be sure to provide your plan number: 76326678-30011

Your insurance card

Your insurance card can be downloaded directly to your

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

Download the Your online

In just a few clicks, find your documents

With the GEOS Travel Security mobile app you can:

• view and receive security and health information

• be put in touch with IMA to obtain medical

• generate a “repatriation medical expenses“

• activate geolocation and plan the route on a

The app language (French / English / German)

How to access GEOS

By registering on the online Traveller Portal,

Minimum system requirements for installation:

Room and board (including in a rest or convalescent facility)

Medical and paramedical fees

Anaesthesia and resuscitation, and operating theatre costs

Medical and surgical treatments and procedures

Diagnostic tests and laboratory work

X-rays, ultrasound and advanced medical imaging (AMI - scans)

Pharmacy items and medically-prescribed drugs

Rehabilitation in a centre following a covered stay in hospital

Cancer treatment (oncology, chemotherapy, and radiotherapy)

Stays and medical care in a hospice

Dental treatment and reconstructive dental surgery carried out in a hospital

Standard private hospital room, per day €50

MATERNITY (1), (2)

Stays in a maternity unit

Fees and medical treatments and procedures (obstetric and midwifery

Newborn screening and diagnosis of chromosomal abnormalities

Standard private hospital room, per day €50

Medical fees (consultations/home visits)

X-rays, ultrasound and medical Imaging (MRI and scans)

Diagnostic tests and laboratory work 80% of the SS reimbursement basis

Prescribed vaccines, per year and per insured person €100

Medical and orthopaedic equipment and prostheses (excluding vision and

Hearing aids Not covered

Routine and preventive care (check-ups, X-rays, scaling, treatment of tooth

Inlays/onlays - Dentures - Crowns - Inlay cores 80% of the SS reimbursement basis

VISION CARE (6)

Medical fees: consultation with an ophthalmologist 80% of the SS reimbursement basis

Corrective contact lenses (including disposables)

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