The Junior' Expat plan provides comprehensive coverage and reimburses 100% of charges incurred as from the 1st euro in the event of hospitalization or unforeseen medical expenses (see definition page 4), without deductibles.
In the event of hospitalization or medical expenses over €400, we pay the hospital or healthcare facility on a direct basis avoiding, you to pay upfront for your medical costs. For outpatient care (consultations, prescription drugs, etc.), you need to pay for your medical costs first and then to send us your bills and supporting documents in order to receive reimbursement within 72 hours after receipt of your claim file.
No exclusion is applicable to your healthcare policy for as long as you do not practice these high risk sports as a member of a federation or club and as long as you do not participate in any sporting competition, championship or records attempts.
No waiting period is applicable and your policy may be effective as early as the next day following your online enrollment or upon receipt of your request sent by mail, or at a later date of your choice, selected upon your enrollment (but no later than two months as your medical questionnaire is only valid for two months). However, in order to go overseas with total peace of mind, we recommend you enroll at least 10 to 15 days before your departure, in order to be sure you get your Welcome Package before leaving.
Of course, upon acceptance of your duly documented request for coverage, we will send you a Welcome Package including: a certificate of coverage mentioning your ID number and your password allowing you to access your Participants' Pages on our website, a certificate in English upon request, your insurance ID card, which will permit you to benefit from hospital precertification, the terms and conditions of your policy and the guide to insured members detailing all the general procedures applicable to your plan.
Absolutely, you can directly enroll via our website www.asfe-expat.com from any country in the world, excluding the USA (please contact us in that case); you can also log in to your Participants' Pages to request extension or renewal of your coverage.
We recommend you have a medical check-up (in particular, vaccination booster shots and a comprehensive dental exam) as well as a medical consultation if needed, in order to have a medical certificate issued to authorize the practice of all types of sports (e.g.: scuba-diving). We also advise you to take with you a first-aid kit including basic pharmaceutical products of everyday life, as well as your prescriptions if needed. It is also important that you communicate your insurance policy number and our contact details to a friend and/or your family, as well as your address and telephone number on site.
Please choose the country that you are currently living in or plan to live in for more than 180 days per year.
The commencement date of your policy coverage.
You can choose Zone 2 even though you reside in Zone 1, so that you can schedule visits to your favourite doctor who works in Zone 2.
An uninsured amount payable by a Covered Person in respect of expenses incurred before any Benefits are paid under the medical plan, as specified in the certificate of insurance. The Plan deductible applies per Covered person and per insurance year.
Semi-Private Room: Dual occupancy accommodation in a private hospital.
Note: Deluxe, executive rooms, and suites are not covered under the policy.
20% Co-Payment: The uninsured percentage of the costs, which the Covered Person must pay towards the cost of a claim.
The annual premium can be settled in installments.
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