Provider
APRIL International MyHealth
Review
Our assessment of the international health insurance from the French specialist
APRIL International is a French specialist for expat insurance with over 40 years of experience. Their MyHealth International product offers modular coverage across five plan levels. We evaluate the benefits, service, and value for money from a broker's perspective.
Exclusive through waysafe: Get 20% off all APRIL MyHealth International plans. We've negotiated this special rate exclusively for our clients as a long-term partner.
The Insurer at a Glance
APRIL International Care France was founded in 1988 in Lyon and is part of the APRIL Group. The company specializes in international health insurance for expats and operates in over 180 countries.
The company employs over 450 multilingual staff from 26 nationalities and has a presence in 14 countries. APRIL works with a network of over 30,000 distribution partners and more than 2 million healthcare partners worldwide. The risk is carried by established partners: Groupama Gan Vie for health insurance and Chubb European Group SE for assistance and liability coverage.
Good to know: APRIL International is not an insurer in the traditional sense, but rather an insurance intermediary (MGA). The actual insurance coverage is provided by Groupama Gan Vie – an insurer with solid standing.
The Product: MyHealth International
MyHealth International is a modular international private medical insurance (IPMI) with five plan levels. What makes it special: you choose not only the plan but also which coverage modules you need.
The Five Plan Levels
| Plan | Annual Coverage Limit | Key Feature |
|---|---|---|
| Emergency | €250,000 | Emergencies and accidents only |
| Basic | €500,000 | Not available for USA |
| Essential | €1,000,000 | Solid standard coverage |
| Comfort | up to €1.5M / unlimited | Comprehensive coverage |
| Premium | up to €3M / unlimited | Maximum coverage |
For Comfort and Premium, the limited coverage amount only applies to USA, Bahamas, Puerto Rico, Japan, and Singapore. Coverage is unlimited for the rest of the world.
The Coverage Modules
- Inpatient Treatment – Mandatory, always included
- Outpatient Treatment and Preventive Care – Optional
- Dental – Optional, 3-6 month waiting period
- Vision – Optional, 6 month waiting period
- Maternity – Optional, 12 month waiting period
Coverage Zones and Pricing
APRIL uses a zone system that adjusts premiums based on your location (as of 2026):
| Zone | Countries | Price Level |
|---|---|---|
| Zone 0 | USA, Bahamas, Puerto Rico | Most expensive |
| Zone 1 | China, Hong Kong, Japan, Singapore | Very high |
| Zone 2 | Brazil, Chile, Costa Rica, Mexico, Switzerland, UK, Taiwan, Thailand, UAE | High |
| Zone 3 | Australia, Canada, Germany, Austria, Spain, Italy and more | Medium |
| Zone 4 | France and overseas territories | Medium |
| Zone 4bis | Belgium, Luxembourg, Monaco | Medium |
| Zone 5 | Rest of the world | Most affordable |
Deductible Options
You can choose from five deductible levels:
- €0 (full reimbursement)
- €500
- €1,000
- €2,500
- €5,000
The higher the deductible, the lower the premium – savings of up to 40% are possible.
Price Examples
Example: 30 years old, Zone 3 (e.g. Germany, Portugal), no deductible, Inpatient + Outpatient
| Plan | Monthly Premium | Note |
|---|---|---|
| Emergency | €56 | Inpatient only (emergencies) |
| Basic | €180 | Not available for USA |
| Essential | €243 | Most popular choice |
| Comfort | €275 | Incl. psychiatry |
| Premium | €334 | Maximum coverage |
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💡 Note: Prices vary significantly based on zone, age, selected modules, and deductible.
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Coverage Details
Inpatient Treatment
| Benefit | Emergency / Basic / Essential / Comfort / Premium |
|---|---|
| Accident & Emergency | All plans: ✓ |
| Chronic conditions | Basic and above |
| Psychiatry (inpatient) | Emergency/Basic/Essential: – | Comfort: €8,000, max 15 days | Premium: 30 days |
| Room standard | Emergency/Basic: Shared | Essential: Private up to €75/day | Comfort/Premium: Standard private |
| Rehabilitation | Emergency/Basic/Essential: 20 days | Comfort: 30 days | Premium: 60 days |
| Medical evacuation | All plans: ✓ |
Outpatient Treatment (optional)
| Benefit | Basic | Essential | Comfort | Premium |
|---|---|---|---|---|
| Doctor visits (100%) | 2x, then €80 | 5x, then €100 | 10x, then €200 | 100% |
| Psychotherapy | 4 sessions, max €60 | 4 sessions, max €200 | 5 sessions, max €200 | 20 sessions, max €200 |
| Physiotherapy/year | up to €1,000 | up to €2,000 | up to €4,000 | 100% |
| Alternative medicine | – | up to €500 | up to €1,000 | up to €2,000 |
| MRI/CT | up to €2,000 | up to €4,000 | up to €8,000 | 100% |
| Health check | – | €200 every 2 yrs | €800 every 2 yrs | €2,000 every 2 yrs |
Dental (optional)
| Benefit | Basic | Essential | Comfort | Premium |
|---|---|---|---|---|
| Annual maximum | €500 | €1,000 | Year 1-2: €2,000, Year 3+: €3,000 | Year 1-2: €4,000, Year 3+: €5,000 |
| Waiting period | 3-6 months | 3-6 months | 3-6 months | 3-6 months |
Vision (optional)
| Benefit | Basic | Essential | Comfort | Premium |
|---|---|---|---|---|
| Contact lenses/year | up to €150 | up to €200 | up to €300 | up to €400 |
| Glasses (1 pair every 2 years) | up to €150 | up to €250 | up to €500 | up to €700 |
| Laser correction | – | – | up to €500 | up to €700 |
| Waiting period | 6 months | 6 months | 6 months | 6 months |
Maternity (optional)
| Benefit | Essential | Comfort | Premium |
|---|---|---|---|
| Normal delivery | up to €3,000 | up to €6,000 | up to €12,000 |
| Cesarean section | up to €6,000 | up to €12,000 | up to €20,000 |
| Waiting period | 12 months | 12 months | 12 months |
| Availability | Zones 3-5 only | All zones | All zones |
Important: The maternity module in the Essential plan is only available in zones 3, 4, and 5 – not in the USA or Asia.
Digital Services
APRIL places strong emphasis on digital solutions – a clear advantage.
Easy Claim App
The app enables:
- Submit claims digitally
- Start telemedicine consultations
- Find medical facilities
- Request direct billing
- Store insurance card in your wallet
- App Store rating: 4.7/5 stars
- Google Play rating: 4.3/5 stars
Easy Pay Card
A virtual payment card for medical expenses:
- No upfront payment needed
- No maximum limit
- Valid worldwide at all medical facilities
- Loaded in real-time
The Easy Pay Card is a genuine advancement: you no longer need to pay upfront and wait for reimbursement.
Telemedicine with Teladoc Health
- Available 24/7
- Unlimited use
- Included in the plan
- Partner: Teladoc Health (global market leader)
Direct Billing and Network
APRIL has an impressive medical network:
- Worldwide: 2.2 million listed facilities
- USA: 690,000 physicians, 5,500 hospitals, 68,000 pharmacies
- US Partners: CVS Caremark, Aetna
Direct billing is available with network partners – so you don't need to pay upfront.
Customer Reviews
Trustpilot (as of January 2026)
| Metric | Value |
|---|---|
| Overall rating | 4.1/5 stars |
| Number of reviews | 1,387 |
| 5 stars | 68% |
| 1 star | 20% |
What Customers Praise
- Reliable claim processing
- Personal commitment from staff
- Good value for money
- User-friendly app
What Customers Criticize
| Criticism | Details |
|---|---|
| Customer service | Sometimes long wait times |
| Communication | Could improve for claims cases |
| Premiums | Annual premium increases |
Our Assessment
| Category | Rating | Comment |
|---|---|---|
| Coverage | 8.5 / 10 | Modular structure allows individual customization. Deduction for waiting periods on dental and maternity. |
| Claims Service | 8 / 10 | Good app, Easy Pay Card is a plus. Strong network, but communication could improve. |
| Customer Service | 7.5 / 10 | Competent, but wait times for support are criticized. |
| Value for Money | 8 / 10 | Flexible through zones and deductibles. Annual adjustments should be expected. |
Awards
APRIL International has received 19 awards in the last three years:
- Health & Protection Provider Service Ratings 2024: 5 stars
- Global Business Review Magazine Award
- Argus d'Or de l'Assurance
Who is APRIL MyHealth Suitable For?
- Expats with flexible budgets – modular structure allows adjustment to individual needs
- Digital nomads – strong app and telemedicine are ideal for mobile lifestyles
- USA residents – large network and direct billing with CVS and Aetna
- Cost-conscious expats – deductible options enable significant savings
- Long-term travelers – Emergency plan as affordable basic coverage
Our tip: The Essential plan with the outpatient module offers the best balance of coverage and premium for many expats. Those who frequently use preventive care or need dental services should consider Comfort or Premium.
What Sets APRIL Apart from Other Providers?
In the international health insurance market, APRIL stands out through several distinct features:
APRIL's Strengths
- Modular design – You choose your plan level and modules individually, rather than buying a fixed package
- 5 deductible options – Many providers offer only 2-3 levels, APRIL allows finer adjustment
- Easy Pay Card – Virtual payment card for doctor visits without upfront payment
- 24/7 telemedicine included – Often an extra cost or not included with other providers
- Strong USA network – Direct billing with CVS and Aetna
Where Other Providers May Be Stronger
| Area | APRIL | Market Comparison |
|---|---|---|
| Dental benefits | Limited, with waiting period | Some providers offer unlimited |
| Maternity | 12-month waiting period | Sometimes shorter waiting periods |
| Plan structure | Complex due to modularity | Simpler "all-in-one" plans available |
| Direct billing outpatient | Via app/Easy Pay Card | Sometimes lower thresholds |
Which provider is right for you? It depends on your situation – location, budget, desired coverage. Use our quote calculator for an initial comparison or get personalized advice.
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This article is based on the APRIL International brochure 2026 and our experience as an independent insurance broker. For current rates and personalized advice, please contact us.
