APRIL MyHealth International: cover benefit by benefit
IPMIBenefits reads APRIL International's MyHealth International plan benefit by benefit: four levels that all include hospitalisation, cancer and evacuation, with outpatient, dental, optical and maternity built on top as options.
- Hospitalisation, cancer treatment and evacuation are included on all four levels; the overall annual limit rises by plan.
- Maternity is optional and can only be selected together with outpatient cover, so a maternity buyer also buys outpatient.
- Dental and optical are generally packaged together as one option, except on Explore where dental is listed separately.
- Accidents and emergencies are covered worldwide on trips of up to 90 consecutive days, except in excluded countries.
- Pre-existing conditions are not systematically covered; the terms offered after the health questionnaire and medical review are decisive.
Plans and cover levels
MyHealth International is APRIL International's long-term international private medical insurance (IPMI) for expatriates, international assignees, families, retirees, digital nomads and freelancers. It is a distinct product from APRIL's separate Thailand, UAE and Singapore plans. Four published levels run from Explore to Elite, and every one of them starts from the same three core benefits.
| Plan | Overall annual limit | Published structure |
|---|---|---|
| Explore | €/$500,000 | Hospitalisation, cancer and evacuation; optional outpatient/pharmacy, dental and other benefits |
| Essential | €/$1,500,000 | Higher core limit; optional outpatient; check-up, dental and optical limits are published |
| Extensive | From €/$2,000,000 to unlimited | Enhanced optional outpatient, plus higher dental, optical and maternity limits |
| Elite | From €/$4,000,000 to unlimited | Highest published tier; hospitalisation, cancer, evacuation and medical imaging shown at 100% |
The currency, ceiling and benefits that apply to you are defined in APRIL's current Details of Benefits, and a benefit shown at 100% remains subject to the policy terms and the overall limit. Do not transfer figures between markets. Our guide to annual limits and sub-limits explains how to read a ceiling that is quoted as a range.
Core and options
All four levels include hospitalisation, cancer treatment and medical evacuation and repatriation. Everything else is layered on as an option, and the options interact:
- Outpatient cover is optional and increases by tier.
- Dental and optical are generally packaged together, except on Explore.
- APRIL states that maternity can only be selected with outpatient cover.
- Deductibles and detailed benefit limits vary with the configuration you choose.
The practical consequence is that a buyer who wants maternity is also buying outpatient, and a buyer who wants dental on most levels is also buying optical. Our guide to what each benefit adds to the cost is useful here, because the price of a MyHealth plan is largely the price of its options.
What this plan does for each benefit
Each of the eight benefits IPMIBenefits covers, with what APRIL's published material states and where it is silent.
- Maternity: available as an option, and only together with outpatient cover. Extensive publishes higher maternity limits than the levels below it. Waiting periods are not stated on the summary we reviewed.
- Dental and optical: packaged together as an option except on Explore, where dental is listed among the optional benefits. Essential publishes dental and optical limits; Extensive publishes higher ones.
- Outpatient: optional on every level and increasing by tier; on Explore it is described as outpatient/pharmacy. Unlimited telehealth consultations are included.
- Mental health: not stated on the insurer's published summary we reviewed.
- Cancer care: included on all four levels; shown at 100% on Elite.
- Medical evacuation and repatriation: included on all four levels; shown at 100% on Elite. Repatriation benefits are covered by CHUBB European Group SE under the published issuing arrangement.
- Chronic conditions: no programme is described. APRIL says pre-existing conditions are not systematically covered, so the individual terms offered after the health questionnaire and medical review are decisive.
- Wellness and health checks: check-up limits are published on Essential. Telehealth consultations are unlimited and included.
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Geographic scope and temporary travel
The application lets you select the covered countries, including your country of nationality. APRIL also describes worldwide cover for accidents and emergencies during trips of up to 90 consecutive days, except in excluded countries. The chosen area and the excluded-country rules must be confirmed in the issued documents.
Application, underwriting and who issues the plan
Applicants complete a health questionnaire. Because pre-existing conditions are not systematically covered, the terms you are offered after medical review decide what is in and what is out; our pre-existing conditions guide explains what to ask for. The product's exclusions, deductibles, pre-authorisation rules and eligibility are in the General Terms & Conditions, product information sheet and Details of Benefits linked from the official product page.
APRIL states that the product is designed and managed by APRIL International Care France, with Groupama Gan Vie covering medical and contingency benefits and CHUBB European Group SE covering repatriation and personal liability. Confirm the entities that apply to your issued contract.
Claims and access to care
- Easy Claim supports paperless reimbursement requests.
- APRIL describes direct settlement with hospitals so eligible members do not pay hospital costs upfront.
- Unlimited telehealth consultations are included.
- Multilingual assistance is available 24/7.
APRIL publishes its own statement about the size of its partner network; it is the insurer's figure, not an independently audited count or a list of hospital partnerships, so it is not repeated here as a benefit.
Who APRIL MyHealth International suits
A good fit if you want the three emergency benefits, hospital, cancer and evacuation, on every level, and the freedom to add outpatient, dental, optical and maternity only where you need them, in euros or dollars. Long-term expatriates, retirees and remote workers are the stated audience.
Worth comparing elsewhere if you have pre-existing conditions that need covering, if you want maternity without buying outpatient, or if mental health benefits are a priority. The insurer hub shows who covers each of those benefits as standard.
Frequently asked questions
What is included on every APRIL MyHealth International level?
Can I add maternity to APRIL MyHealth International?
Are dental and optical separate options?
Does APRIL cover pre-existing conditions?
Where am I covered with MyHealth International?
Who insures an APRIL MyHealth International plan?
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This page is general information, not personal or medical advice, and is based on APRIL International's published MyHealth International product page and linked documents; exact terms, limits and underwriting are confirmed by the insurer at quote. Prices are indicative. No named hospital partnership or average claim or pre-authorisation approval time is asserted. APRIL, MyHealth International and related names and logos are the property of their respective owners.