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DEATH, DISABILITY AND INVALIDITY COVER

In the event of the death of an employee, the all causes death cover provides financial security and protection to his/her dependants. In the event of temporary disability or permanent invalidity, the cover provides financial security to employees who are no longer able to carry out their duties following an accident or illness.

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The ‘War Risks’ extra can be added for countries excluded from this cover. This exclusion occurs when your employees travel or live in a country at war to which the Ministry of Foreign Affairs advises against travel.

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INTERNATIONAL HEALTH INSURANCE

Depending on your needs and the desired geographical area, we offer a group policy that provides your expatriates and their families with full medical cover : reimbursement of fees for hospitalisation, doctor’s visits, vaccines, check-ups, dental, vision, etc.

PRIVATE LIFE CIVIL LIABILITY INSURANCE

This cover protects your employees and their close relatives (spouse, children both under and over the age of majority) against the consequences of damage intentionally caused to other people in their private life, i.e. of a non-professional nature. This cover does not include damage caused at work (covered by the employer’s professional civil liability insurance).

ACCESS TO A GLOBAL MEDICAL NETWORK

Your expatriates and travelers business have access to a large global medical network.

From their personal area of the website, they will be able to access a single database

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of almost 10,000 healthcare professionals. This directory, access to which is controlled by our insurance partners, is growing steadily and brings together the most popular healthcare professionals in the world.

Your employees benefit from direct settlement in all hospitals in the network and with several other healthcare professionals and establishments worldwide. The hospital or doctor sends the bill directly to the insurer, so your employee does not have to pay upfront.

However, your employees maintain the freedom to choose their medical provider. The cover and reimbursements will be the same.

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ASSISTANCE AND REPATRIATION

Your policy guarantees the effective management of health and safety emergencies. It provides quick and safe solutions to address unexpected events, including transport, to ensure the safety of your employees and their families all over the world.

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UNE ASSURANCE SANTÉ INTERNATIONALE

Nous vous proposons, selon vos besoins et dans la zone géographique souhaitée, le contrat collectif offrant à vos salariés et à leurs familles des garanties médicales complètes, au 1er euro ou en complément de la CFE: remboursement des frais d’hospitalisation, des consultations médicales, des vaccins, des bilans de santé…

PROTECTION ET PRÉVENTION

Protégez vos collaborateurs afin de répondre à vos obligations légales d’employeur. Dès lors que vous envoyez un ou plusieurs collaborateurs à l’étranger, quelle que soit la durée de la mission, vous devez identifier les risques inhérents et mettre en place des actions de prévention, de formation et de sensibilisation.

PRÉVOYANCE DÉCÈS, INCAPACITÉ, INVALIDITÉ

En cas de décès d’un salarié, la garantie décès toutes causes fournit sécurité et protection financières à ses ayants droit.En cas d’incapacité temporaire ou d’invalidité permanente,ces garanties procurent une sécurité financière à un salarié ne pouvant exercer ses fonctions suite à un accident ou une maladie.

DES SERVICES INNOVANTS

Vos salariés disposent d’une assistance téléphonique multilingue 24h/24 et 7j/7, et de services web sécurisés leur permettant de gérer leurs demandes de soins médicaux et de remboursement: envoi des factures par voie digitale, traitements en 48 heures…

ASSISTANCE ET RAPATRIEMENT

Votre contrat assure une gestion efficace des situations d’urgence de santé ou de sécurité. Il apporte des solutions rapides et sûres face aux imprévus, transport compris, afin de sécuriser vos collaborateurs et leurs familles dans le monde entier.

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AFRICA CARE – health insurance for your teams in Africa

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AFRICA CARE, l’assurance santé de vos équipes en Afrique

Cette couverture santé modulable, élaborée par Ambrelia en partenariat avec Cigna, protège l’ensemble de vos collaborateurs et leurs ayants droit à partir de 10 salariés, qu’ils soient expatriés, impatriés, locaux ou ressortissants d’un pays tiers, et quelles que soient leurs nationalités.

Nous connaissons les spécificités et le contexte de cette région.
Nous nous appuyons sur la solide infrastructure de Cigna, qui comprend des gestionnaires en Afrique du Sud et au Kenya, et un réseau de professionnels de santé locaux dans plusieurs pays africains.

 

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This flexible cover, developed by Ambrelia in partnership with Cigna, protects all your employees and their dependants for groups of 10 or more employees, whether they are expatriates, inpatriates, locals or third country nationals and whatever their nationality.

We are aware of the specific characteristics and context of this region. We rely on Cigna’s strong infrastructure, which includes managers in South Africa and Kenya, and a network of local healthcare professionals in several African countries.

 

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PENSION AND INTERNATIONAL RETIREMENT

Your expatriate and international employees, whatever their nationality, can benefit from an attractive and motivating salary package to allow them to prepare for their future with confidence.
The aim of the programme is to create a vehicle that can be used to invest employer and employee contributions in order to provide pension or savings benefits to the insured persons when they reach retirement age or when they leave the company.

PROTECTION AND PREVENTION

Protect your employees to meet your legal obligations as an employer (duty to protect). When you send one or more employees overseas, whatever the duration of the assignment, you must identify the inherent risks and put in place preventive actions, training and awareness programmes.

INNOVATIVE SERVICES

Your employees have access to a multilingual helpline, 24/7, and a secure website allowing them to manage their requests for medical care or reimbursement: digital sending of invoices (smartphone or tablet), processing and reimbursement within 48 hours, third-party payment to healthcare professionals.

Some insurers also offer new services via their mobile app: 

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  • A medical guide to find the local equivalent of generic medicines and the most up-to-date translations of illnesses in 17 languages;
  • A symptom checker to get a quick and easy assessment of your symptoms.

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CRISIS MANAGEMENT

This cover helps you in case of kidnapping, extortion or threat all over the world. It includes both assistance to manage and resolve the crisis situation and insurance to cover the costs incurred.
With ‘Kidnapping & Ransom’ insurance, we cover our clients against all forms of abduction and extortion. We protect their human and financial assets against illegal demands and the associated costs (negotiation costs, psychological follow-up costs, risk to image, wages, repatriation costs, etc.), with no geographical exclusions.

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UN ACCÈS AU RÉSEAU MÉDICAL MONDIAL

Vos collaborateurs ont accès au large réseau médical international, où ils bénéficient d’une prise en charge directe et de soins de qualité. Ils conservent la liberté de choisir leur prestataire médical.

ÉPARGNE ET RETRAITE INTERNATIONALE

Vos collaborateurs, quelle que soit leur nationalité, bénéficient d’un package salarial attractif et motivant qui leur permet de préparer sereinement leur avenir.

GESTION DE CRISES

Cette garantie vous aide en cas de kidnapping, d’extorsion ou de menace dans le monde entier. Elle inclut à la fois l’assistance pour gérer et résoudre la situation de crise, et une assurance pour prendre en charge les coûts générés.

RESPONSABILITÉ CIVILE VIE PRIVÉE

Cette garantie protège vos salariés et leurs proches (conjoint, enfants mineurs ou majeurs) contre tous les événements de la vie quotidienne dont ils pourraient être responsables vis-à-vis d’autrui.

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    AngelinaSUPPORTER
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You can tailor your cover

You can tailor your cover to meet your specific needs and budget targets. If necessary, you can create several levels of health and accident cover in the same policy, which lets you adjust the cover to different employee profiles in the same country or in different countries: a single policy with personalised cover chosen by you.
In this way, you benefit from a comprehensive and effective solution all over the world.