2014 FIRST EXPAT COMPREHENSIVE HEALTH INSURANCE FOR EXPATRIATES (1ST EURO) MSH INTERNATIONAL on behalf of ASFE HEALTH INSURANCE ALL OVER THE WORLD www.asfe-expat.com
ASFE s First Expat Plan: why do you need coverage? HEALTH INSURANCE ALL OVER THE WORLD For twenty years, ASFE has designed and managed international healthcare insurance solutions for all mobile individuals: Expatriates living abroad alone or with their families, Students, interns and young people with Working Holiday Visas, Self-employed persons or company employees, Seniors. Wherever you are living, we will be by your side day after day Insurance plan managed by: 2
ASFE guarantees you the following: Your health will follow you wherever you go Because health is at the core of your concerns, we are there to help you take care of it and make your everyday life easier. As an expatriate, you are no longer covered by the local social security scheme of your another and sometimes may be much higher than those found in your home country. This is why ASFE offers health insurance solutions allowing you to maintain your insurance coverage abroad equal to what you are accustomed to. Specialized in international healthcare insurance for more than twenty years, ASFE will support you wherever you live in the world. Why choose ASFE? expatriates worldwide; Coverage by market-leading insurers and assistance companies: AXA, GAN and Europ Assistance; On-line services making your life easier: on-line enrollment and payment, submission of claims and reimbursement tracking system, etc.; Healthcare costs reimbursed on the basis of charges incurred, without deductibles, and direct hospital Contact with our teams, available 24/7, thanks to our four claims departments in Calgary, Paris, Dubai, and Shanghai. 3
ASFE s First Expat Plan A simple and flexible insurance plan The First Expat plan is an insurance package providing healthcare and death & disability coverage which can be adjusted according to three criteria: your coverage needs, your geographic location and your budget. Designing the coverage that best suits your needs is very easy with ASFE and First Expat: 1 - options offering progressive levels of coverage: Indice 30, Indice 40, Indice 50 or Indice 60. 2 - medical assistance and repatriation for health reasons, 4
ASFE s First Expat Plan: overall presentation ASFE s First Expat Plan Overall presentation of your ASFE s First Expat Plan Indice 30 Indice 40 Indice 50 Indice 60 COMPULSORY BENEFITS BASIC HEALTHCARE COVERAGE Hospitalization fees + Medical expenses Four possible levels of coverage: The higher the index ( Indice ), the better the reimbursements MATERNITY-VISION-DENTAL Option, OPTIONAL BENEFITS Maternity + Vision + Dental Maternity + Vision + Dental + Medically assisted procreation Maternity + Vision + Dental + Medically assisted procreation + Preventive and alternative medicine Maternity + Vision + Dental + Medically assisted procreation + Preventive and alternative medicine + Thermal spa therapy MEDICAL ASSISTANCE/REPATRIATION FOR HEALTH REASONS Arrangement and coverage of repatriation to a hospital facility, medical follow-up, return to the country of residence, etc. DEATH & DISABILITY* Any option may be taken out individually with respect to the other ones, except for daily allowances or disability annuity. *In order to allow for the largest number of insured members to benefit from a first level of death & disability coverage, we offer an entry-level insurance package including the following benefits: Death benefit + Disability benefit + Daily allowances and Disability annuity. 5
ASFE s First Expat Plan
ASFE s First Expat Plan: basic coverage How to choose coverage between Indice 30, 40, 50 or 60? The First Expat plan has been designed to adapt to your expectations in terms of healthcare coverage abroad: The BASIC COVER includes the reimbursement of hospitalization fees and routine medical expenses. vision and dental expenses. In order to take account of the diversity of healthcare costs around the world, the BASIC and OPTIONAL covers can be chosen among four levels of coverage map of the world below representing our four indexes and our recommendations according to your country of expatriation. Important For your security, the Legal Protection and Third-party liability benefits* as well as the ASFE membership fees are automatically included in each of the options provided by the First Expat plan (*excluding Indice 30 which does not include Third-party Indice RECOMMENDED FOR Indice 30 Countries where healthcare costs are reasonable: Madagascar, Morocco, Tunisia, Algeria, Ivory Coast, Senegal, Gabon, etc. Indice 40 Countries where healthcare costs are intermediary: Thailand, Mexico, Argentina, Chile, Nigeria, Indonesia, Venezuela, etc. Indice 50 Countries where healthcare costs may be high: Singapore, China, Australia, Canada, Greece, Portugal, Germany, Netherlands, Lebanon, United Arab Emirates, etc. (excluding France and USA). Indice 60 Countries where healthcare costs may be very high: USA, United Kingdom, Switzerland, Italy, Russia, Brazil, Spain, Israel, Hong Kong, etc. 7
ASFE s First Expat Plan: basic coverage Choose the level of coverage that best suits your situation 8
ASFE s First Expat Plan: basic coverage according to your country of expatriation Indice RECOMMENDED FOR Indice 30 Countries where healthcare costs are reasonable: Madagascar, Morocco, Tunisia, Algeria, Ivory Coast, Senegal, Gabon, etc. Indice 40 Countries where healthcare costs are intermediary: Thailand, Mexico, Argentina, Chile, Nigeria, Indonesia, Venezuela, etc. Indice 50 Indice 60 Countries where healthcare costs may be high: Singapore, China, Australia, Canada, Greece, Portugal, Germany, Netherlands, Lebanon, United Arab Emirates, etc. (excluding France and USA). Countries where healthcare costs may be very high: USA, United Kingdom, Switzerland, Italy, Russia, Brazil, Spain, Israel, Hong Kong, etc. Indice 30 Indice 50 Indice 40 Indice 60 9
ASFE s First Expat Plan: basic coverage Choose your basic healthcare coverage 4 POSSIBLE LEVELS OF HEALTHCARE COVERAGE BASIC HEALTHCARE Hospitalization -. Room and board fees,. Surgical and medical fees,. Prescriptions (tests, laboratory, drugs, medical Starting from 62 per month Indice 30 300,000 10 Starting from 72 per month Indice 40 500,000 Starting from 85 per month Indice 50 700,000 On the basis of CHARGES incurred per person and per policy year Starting from 98 per month Indice 60 900,000 100 %* 100 %* 100 % 100 % in France 100 % 100 % 100 % 100 % - Ambulance transport fees for hospital stay 100 % 100 % 100 % 100 % - Private room fee Up to 40 per day Up to 60 per day Up to 120 per day Up to 180 per day - Bed for a person accompanying a dependent child - Outpatient hospitalization 30 per day Up to 700 40 per day Up to 1,000 50 per day 70 per day 100 % 100 % - Home hospitalization - - 100 % 100 % - Reconstructive surgery following an accident occurred during the period of insurance 100 % 100 % 100 % 100 % - Hospitalization in psychiatry unit - Up to 30 days per year* Up to 30 days per year* Up to 60 days per year* - Immediate rehabilitation following hospital stay up to 20 days per year up to 20 days per year up to 30 days per year up to 60 days per year - Chemotherapy or radiotherapy treatment fees 100 % 100 % 100 % 100 % - AIDS treatment expenses 100 % 100 % 100 % 100 % - Organ transplant 100 % 100 % 100 % 100 % Routine outpatient care On the basis of CHARGES incurred per person and per policy year - Consultations and visits of GPs, including in a hospital facility Up to 80 - Consultations and visits of specialists, including in a hospital facility - Specialist procedures - Parmedical services, including in a hospital facility. Nurses. Physiotherapists. Speech therapists. Orthoptists. Podiatrists-chiropodists Up to 30 up to 30 - Alternative medicine - - Laboratory tests - X-rays up to 200 Up to 100 Up to 100 up to 80 100 per session, up to 3 sessions up to 2,000 Up to 120 Up to 140 Up to 140 Up to 180 100 % 100 % up to 150 See Option up to 200 See Option 100 % 100 % - Prescription drugs eligible for reimbursement 90 % 90 % 100 % 100 % - Nicotine substitutes 50 lump sum 50 lump sum 50 lump sum 50 lump sum THIRD-PARTY LIABILITY - - material damage. Including legal defense fees - 1,524,490 per claim with no deductible applied Included in the coverage LEGAL PROTECTION Legal and tax information Defense in the event of dispute with a third party or a public body Assistance in the event of theft or loss of means of payment Accompanying children under 6 or dependent persons Advance of bail bonds up to 16,000 Assistance and advance of funds in the event of overbooking *90% in a non-state health facility in France
ASFE s First Expat Plan: optional healthcare coverage and add OPTIONAL BENEFITS: Maternity/Vision/Dental/Preventive medicine FOUR POSSIBLE LEVELS OF HEALTHCARE COVERAGE Indice 30 Indice 40 Indice 50 Indice 60 OPTIONAL HEALTHCARE Preventive medicine - Vaccines and drugs required or recommended for the On the basis of CHARGES incurred per person and per policy year - - 100 % 100 % - Bone mineral density test - - 100 % 100 % - Health check-up - - Alternative medicine - - - Acupuncture - up to 300 every three years 120 per session Up to 750 per year up to 500 every three years 150 per session Up to 1,500 per year - Chiropractic - - Homeopathy - See Basic Cover - Osteopathy - - Phytotherapy - - Dietitians - Other prostheses (excluding hospitalization) On the basis of CHARGES incurred per person and per policy year - Hearing aids - Orthopedic prostheses up to 500 up to 800 up to 1,100 up to 2,000 Dental On the basis of CHARGES incurred per person and per policy year Dental care and prostheses including: up to 200 per tooth and 800 for two years and then up to 1,200 per year up to 350 per tooth and and then up to 2,000 per year up to 450 per tooth and and then up to 2,200 per year up to 600 per tooth and up to 2,800 per year - Dental care - Dental prostheses - Bone grafts - Periodontics - Dental implants - - - - - - - up to 600 per year for three years up to 800 per year for three years up to 1,000 per year for three years up to 1,300 per year for three years Vision On the basis of CHARGES incurred per person and per policy year - Eyeglass lenses, frames - Corrective contact lenses, including disposable contact lenses up to 200 per year up to 400 per year up to 500 per year up to 200 per year up to 700 per year up to 400 per year - Laser eye surgery (correction of nearsightedness, - up to 200 per eye up to 200 per eye up to 400 per eye Maternity On the basis of CHARGES incurred per person and per policy year - Private room fee - Prenatal classes Up to 2,500 Up to 3,500 in zones A and B and 4,500 in zone C Up to 6,500 Up to 8,000 up to 50 per session up to 60 per session 100 % 100 % 100 % 100 % - Pre- and post-natal examinations See Routine Outpatient Care - Diagnosis of chromosomal anomalies 100 % 100 % 100 % 100 % - 1,000 / FIV 1,100 / FIV 1,500 / FIV THERMAL SPA THERAPY On the basis of CHARGES incurred per person and per policy year - - - 11 up to 600
ASFE s First Expat Plan Participants Pages Find out about all the services included in your Participants Pages. As soon as your enrollment is completed, you will receive a Welcome Package including all useful www.asfe-expat.com to manage Indice 30 Indice 40 Indice 50 Indice 60 - Print your insurance ID card - Update your personal details: e-mail address, mailing address, bank details, etc. - Fill out and print your claim forms for your healthcare expenses - Check the progress of your claims and view your reimbursement notices from the last 24 months - Download and print your member s practical guide - Consult the Expat Health section of your Participants Pages to access our network of more than 750,000 healthcare providers worldwide (hospital facilities, healthcare - Use the Submit an inquiry section to ask any question you may have, ensuring that you are contacting the dedicated person within our claims teams 12
ASFE s First Expat Plan: our services ASFE s First Expat Plan Our claims departments An international team available for you at any time. In order to make your healthcare plan administration formalities easy from abroad, we strive to provide you with the greatest responsiveness to process the reimbursement of your routine medical expenses as well as to deal with more complex situations. Our multicultural team is at your service to answer any question or concern you may have in a timely manner. Go abroad with peace of mind: our claims departments located across the globe on four continents case of emergency. Indice 30 Indice 40 Indice 50 Indice 60 - Available 24/7 - Teams representing more than 45 nationalities and speaking over 30 languages to provide our members with international administration services treatment exceeding 400 or US$400 accepted or at a later date of your choice your request - Worldwide reimbursements in more than 150 currencies - Direct billing for all medical treatments in the USA you have been given A multicultural medical team including 20 consulting physicians 13
ASFE s First Expat Plan: medical assistance / repatriation ASFE s First Expat Plan Medical assistance / repatriation for health reasons ations in the event of accident, disease, serious problems or death. This option is available 24/7 by telephone and has been designed to support you any time wherever you are in the world. IN THE EVENT OF THE INSURED MEMBER S ACCIDENT OR DISEASE - Transportation and medical repatriation to the nearest adequate hospital facility, or to your country of origin - Return of an accompanying party covered by the plan in case of repatriation - Hospital visit of a family member to come to your bedside in the event Europ Assistance medical team contacts local physicians, or your primary care physician Entirely arranged by our assistance company Covered Round-trip ticket for the accompanying party + coverage of the accompanying party s hotel expenses up to 100 per night, limited to 200 - Accompanying children under 18 in the event of repatriation Round-trip ticket - Return to the place of expatriation following repatriation Covered - Delivery of medication to your country of expatriation if it cannot be found locally Cost of shipment covered IN THE EVENT OF THE INSURED MEMBER S DEATH - Repatriation of the body to the country of origin in the event of death Arranged and covered by the assistance company Up to 2,000 Round-trip ticket + coverage of hotel expenses up to 100 per night, limited to 200 IN THE EVENT OF A FAMILY MEMBER S DEATH IN YOUR COUNTRY OF ORIGIN - Early return to the country of origin in the event of a family member s death - Early return in the event of a family member s serious hospitalization for IN CASE OF LEGAL ASSISTANCE NEEDED ABROAD - Advance of bail bonds in the event of legal proceedings 15,000 - Advance and coverage of legal fees incurred abroad Up to 3,000 -Transmission of urgent messages in case of incapacity These services are available 24/7 via a telephone line entirely dedicated to ASFE, providing you with the support you need at any time. 14
Optional death & disability benefits Anticipate all events to enable you to deal with unexpected circumstances life: death, dependence, loss of autonomy, etc. They allow you to maintain your living conditions in the for your family members. and will remain effective until age 65. bracket of 15,245. A DEATH OR DISABILITY BENEFIT (OPTIONAL) If you are aged under 50: 27.44/bracket/quarter If you are over 50: 38.87/bracket/quarter DAILY ALLOWANCES OR A DISABILITY ANNUITY TO FACE A DELICATE SITUATION (OPTIONAL) - Daily allowance from 30.48 to 213.36 to be chosen per bracket of chosen must be taken out. If you are aged under 50: 38.87/bracket/quarter If you are over 50: 53.97/bracket/quarter - Daily allowances are paid as of the 31st day of sick leave if the insured member is totally and physically incapable of working. - An annuity is paid according to the degree of disability and the amount of allowances chosen if the incapacity is admitted as being permanent. A PERMANENT DISABILITY BENEFIT TO HELP YOU REORGANIZE YOUR LIFE (OPTIONAL) per bracket of 15,245. If you are aged under 50: 4.57/bracket/quarter If you are over 50: 6.40/bracket/quarter in the event of permanent disability resulting from an accident. * Expatriates in the USA and American citizens are excluded from death & disability coverage. 16
AN EDUCATION ANNUITY FOR YOUR CHILDREN (OPTIONAL) - Annuity between 1 and 5 times the basic annuity chosen If you are aged under 50 If you are over 50 - Annuity to be chosen: from 762.25 to 11,433.68 per year 22.87/basic/quarter 34.30/basic/quarter - An annual annuity, the amount of which will increase with the child s age, will be paid to each child up to their 20 th birthday, or until they are 25 if they are enrolled as students, in the event of the insured member s death before age 65. - Annuities paid can represent from 1 to 5 times the basic annuity chosen - Up until age 11 Between 762.25 per year and 3,811.25 per year - Between age 11 and 18 Between 1,524.50 per year and 7,622.50 per year - Over age 18 Between 2,286.75 per year and 11,433.68 per year Example: For an annuity equal to 4 times the basic annuity, an insured member aged 45 with 2 children will pay for a quarterly premium of 22.87 x 4 x = 182.96. The annuity paid to each child will be equal to: 4 x 762.25 = 3,049 until age 11, 3,049 x 2 = 6,098 between age 11 and 18 and 3,049 x = 9,147 after age 18. A DEATH & DISABILITY INSURANCE PACKAGE TO ALLOW EACH OF YOU TO BENEFIT FROM A FIRST-LEVEL COVERAGE If you have taken out coverage including healthcare + medical assistance/repatriation for health reasons and you are aged under 55*, you are eligible for our comprehensive social coverage packages for expatriates. Single Family - Healthcare Optional Optional - Legal protection - Third-party liability 7,622.45 76,224.50 76,224.50 76,224.50 45.75 per day 45.75 per day 76,224.50 152,449 * Expatriates in the USA and American citizens are excluded from death & disability coverage. in the following pages. 17