International health insurance

Because health knows no boundaries. Our international health insurance protects your employees worldwide, offering accessible care and reliable support in any situation.

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International Health Insurance

BY your side, every step of the way

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specialized analysis

Ambrelia supports companies and organizations by identifying the best international health solutions tailored to their employees, while ensuring compliance with legal and contractual obligations.

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Tailored solutions

In partnership with specialized insurers, we help you implement personalized health coverage that addresses both the general and specific needs of your teams, wherever they are located.

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Dedicated Support

We provide proactive and personalized support to simplify the management of your contracts, address your HR challenges, and enhance the well-being of your employees, contributing to the success of your organization.

What are the usual guarantees of international health insurance?

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Hospitalization (in-patient) :

The essential basic cover for all policyholders, covering the cost of hospitalisation, surgery, cancer treatment and much more. Our hospital plans generally reimburse 100% of actual costs, giving you total peace of mind. Some company schemes include maximum limits to control expenditure on specific on specific elements such as room type and maternity.

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Out-patient :

This cover is often combined with hospitalisation cover, covering consultations with general practitioners and specialists, medicines, vaccinations, medical check-ups and more. It includes sublimits for specific services, such as a maximum amount for optical care or a maximum a maximum number of sessions per year for certain therapies such as osteopathy.

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Dental :

Dental care is a major concern for many policyholders. Although dental costs can be high, our cover limits these costs and may include a waiting period for certain treatments.

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Optics :

Optional cover , but often integrated with standard medical cover, This cover includes eye examinations, glasses and contact lenses. An annual package is generally offered for each insured person.

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Maternity ward :

Maternity is a top priority for futur insured parents. That’s why some insurers include it in their hospital cover. Regardless of the type of cover, our maternity cover is designed to meet the needs of expectant mothers. However, please note that a waiting period of 10 months is often applied.

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Optional: health and safety repatriation

This cover ensures the repatriation of your employees in the event of a medical or security emergency, covering the full cost of transport and assistance for the employee and their family.

Other additional services can be included to guarantee the quality andwell-being of your employees abroad:

Health and well-being services

Health check-ups, nutritional coaching, psychological support, to promote overall health and mental well-being.

Services for expatriates

Pre-mission assessment, intercultural learning, support on arrival and on return, to facilitate adaptation and integration into a new environment.

Emotional support

Assistance in the event of serious incidents, providing essential emotional support for employees and their families.

Employee Assistance Program

Advice and support to overcome the difficulties associated with private and professional life abroad, such as stress , culture shock and isolation.

Online services for the HR team

Online management tools that make it easy to manage your group contract and handle administrative requests relating to your employees ‘ health insurance.

Mobile application for employees

A user-friendly application that allows employees to send in their claims, access a medical dictionary and an online symptom checker, for quick and easy health management.

Medical teleconsultation

An innovative service being tested in several countries, offering employees rapid access to remote medical consultations, an advantage that is fast becoming a differentiator between insurers.

What type of health insurance should I choose?

Insurance at First Euro

Offered by an insurer aimed at all expatriates, it covers health expenses from the 1st Euro spent, without the involvement of any other organisation (such as the CFE, for example). Medical expenses are therefore fully covered by the health insurance.

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Insurance to complement the CFE

Exclusively for expatriates affiliated to the Caisse des Français de l’Etranger (CFE). The CFE reimburses medical expenses up to the rates applicable in France, which may not be sufficient in countries countries where medical costs are high. The Caisse des Français à l’étranger enables your employees to continue to be reimbursed for their health expenses with rates and conditions similar to those of French Social Security. Membership is on behalf of your employees, for whom you will act as agent: it is your responsibility to send all the necessary documents to the CFE before your employees leave. In this way, your employee will retain all his or her rights and immediately immediately on their return to France , without any waiting period or lost quarters.

However, this fund should be seen as a complementary service: it will still be necessary to pay health insurance contributions in the country of residence.