April MyHealth International

APRIL International offers five levels of healthcare coverage. The most basic plan, Emergency, is an affordable option that covers accidents and medical emergencies, but it does not include cancer treatment. For all plans, you can customize your coverage with the following options:

• Optional add-ons for outpatient care, repatriation, maternity, dental, and optics.
• The ability to select a high deductible (up to €5,000 per year) on inpatient care to lower your premium.
• Co-payment options (10% or 20%) for outpatient costs.
• An optional Assistance Package that includes personal liability cover.

Eligibility and Renewal

• Age Limits: The maximum age to enroll depends on your coverage zone:
  • Zone 0, Mexico, and Thailand: Up to age 64.
  • Zone 1 and 2: Up to age 70.
  • Zone 3, 4, and 5: Up to age 74.
• Lifetime Renewal: Once your policy is active, it can be renewed for life.
• Coverage Extension: You can extend your coverage zone up to age 60.
• Excluded countries: List with excluded countries

Important Conditions

• Payment: Premiums can be paid via bank card, bank transfer, or SEPA direct debit, in either Euros or Dollars.
• Cancellation: Policies can be cancelled annually at the renewal date with a 60-day notice period via email.
• Maritime Coverage: The policy includes medical coverage up to 200 nautical miles from shore, but it does not cover rescue or medical repatriation at sea.
• Excluded Professions: Certain professions are excluded from coverage, including offshore/oil rig workers, pilots, divers, and professional athletes. A full list is available in the policy documents.
• General Conditions: We recommend to read the General Conditions art. 8 (page 19-21)

Optional Cover Details

• Maternity: Included in Comfort and Premium plans with a €6,000 limit and a 10-month waiting period after enrollment.
• Dental & Optics: Reimbursement depends on your main healthcare plan. Check the benefits overview for full details.

Next Step: Get the Details

For a comprehensive and practical overview of how this insurance works, we highly recommend reading the Benefits Overview document (download). It provides a clear breakdown of all coverages and conditions.

To find the best combination of coverage for your needs, use the online Quotation and Application Module.

• Enter your details: Fill in your date of birth, nationality, country, and other personal information.

• Customize your plan: To adjust your premium, you can choose a high deductible or a co-pay on your outpatient cover.

• Select benefits: The module will ask if you want to include optional life and disability benefits. If you are not interested in these, simply select the option to proceed with healthcare and dental coverage only.

Online application

Helpful Tip for Extended Coverage (Age 60+)

If you are over 60 and wish to extend your coverage to a country in a more expensive premium zone (such as your country of origin), a specific workaround is required. In the online application, you must list that country as your 'country of stay' at the beginning of the process. This helps to properly calculate your premium and coverage.

Alternative Application Method (PDF Form)

If the online module does not work for your application, you can use the PDF forms as an alternative.

1. Download the forms: Obtain the application form and health questionnaire in PDF format.
2. Fill out the forms: Complete the forms digitally using your PDF program—there is no need to print or scan them.
3. Submit your application: Email the completed forms to contact@johoinsurances.org.
4. Important: Be sure to attach a copy of your passport to the email.

Online application

April International has streamlined their claims process to provide you with fast, reliable support, no matter where you are.

Key Features

• 24/7 Global Support: Multilingual advisors are available around the clock by phone, email, chat, Messenger, and WhatsApp.
• Easy Claims App: For paperless claims up to €/$1,000 per bill, use the Easy Claim mobile app. This is available for plans that cover from the very first euro/dollar.
• Direct Billing: They can handle hospital charges directly, 24/7, so you don't have to worry about out-of-pocket payments during a medical emergency.
• Dedicated Team: A multilingual plan management team (speaking 17 languages) operates from platforms in Mexico City, Paris, and Bangkok to ensure efficient service.
• Claim Reimbursement - They process claims quickly, often within 48 hours, including for scheduled hospital admissions. Small claims are handled via paperless reimbursements up to €/$1,000 per bill.
• Partner Network - They maintain a care network in the USA and Mexico and can assist in locating partner health professionals all over the world.

Important Documents

For detailed instructions on submitting a claim and to find essential documents, please refer to the following resources:

We are happy to answer your questions. Fill out the contact form here.