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April International: Expat Health Insurance Options in China 

April International is experienced in providing international health insurance options for expats looking for comprehensive, cost-effective, and convenient coverage in China. With years of experience in the industry, they specialize in offering expats affordable health insurance for their needs.

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By securing international health insurance with April International, you will gain access to top-rated hospitals and doctors in China as expats. With that in mind, you never have to worry about receiving quality care whenever you need medical attention.

In this Pacific Prime article, we’ll introduce April International as your insurer option in China, provide you with the essentials that you need to know about their international health insurance plan, and why you might consider their plans over other available options.

April International: Trusted Health Insurance Provider in China

Image of Hong Kong Skyline Panorama with text overlay of "April International: Trusted Health Insurance Provider"

Founded in 1975, April International has been offering services in international insurance management for over 35 years. With a presence in 13 countries in Europe, Asia, the Middle East, and America, their dedicated employees can manage clients’ policies at all times regardless of location.

Currently providing cover to more than 150,000 policyholders in their endeavors and managing over EURO €250 million in premiums, April International has gained recognition and popularity by providing insurance plans with high benefits and low premiums to expats around the world.

MyHealth International: Health Insurance for Expats in China

April International offers health insurance for expat individuals and families through MyHealth International plans. There are five tiers of coverage: Emergency, Basic, Essential, Comfort, and Premium which expats can choose from, each providing health insurance coverage to a certain extent.

The following tables illustrate the coverage and benefits of MyHealth International plans in terms of annual benefit limit, in-patient coverage, out-patient coverage, maternity coverage, and dental and optical coverage.

Annual Benefit Limit

The annual benefit limit of the plan ranges from EURO €250,000 to unlimited. Plans tiered Comfort or above enjoy an unlimited annual benefit limit.

Emergency Basic Essential Comfort Premium
Annual Benefit Limit EURO €250,000 EURO €500,000 EURO €1,000,000 Unlimited Unlimited

In-patient Coverage

The in-patient benefit provides coverage for continuous stays in a hospital for at least 12 hours for treatment of a covered medical condition. You can customize your list of hospital benefits to fit your healthcare needs.

In-Patient Coverage
Emergency Basic Essential Comfort Premium
Medical, Surgical, or Day Hospitalization Full Coverage In Case Of Medical Emergency Only Full Coverage Full Coverage Full Coverage Full Coverage
Hospital Room Two-Bed Room Two-Bed Room Standard Private Room (Up to  EURO €75 per day) Standard Private Room (Including Television and Internet Charges) Standard Private Room (Including Television and Internet Charges)
Advanced Medical Imaging During Hospitalization Up to EURO €4,000 per Year Full Coverage Full Coverage Full Coverage Full Coverage
Out-Patient Consultations, Treatments, Diagnostic Tests, and Medical Procedures Related to Hospitalization Full Coverage Following Hospitalization Full Coverage Full Coverage Full Coverage Full Coverage
Hospitalization for the Treatment of Mental Disorders No Coverage No Coverage No Coverage Up to EURO €8,000 and a maximum of 15 Days per Year Up to 60 Days per Year
Rehabilitation Directly Related to and Following Hospitalization  Up to 20 Days Up to 20 Days Up to 20 Days Up to 30 Days Up to 60 Days
Drug Prescription No Coverage Full Coverage Full Coverage Full Coverage Full Coverage
Reconstructive Dental Surgery Following an Accident Full Coverage Full Coverage Full Coverage Full Coverage Full Coverage
Cancer Treatment No Coverage Full Coverage Full Coverage Full Coverage Full Coverage
Organ Transplant Full Coverage Full Coverage Full Coverage Full Coverage Full Coverage
Kidney Dialysis No Coverage Full Coverage Full Coverage Full Coverage Full Coverage
Palliative Care Up to EURO €10,000 Up to EURO €25,000 Up to EURO €50,000 Full Coverage Full Coverage
Internal Devices and Prostheses During Hospitalization Up to EURO €1,000 per Hospitalization Full Coverage Full Coverage Full Coverage Full Coverage
Basic Repatriation Assistance (Repatriation of the Insured, Other Plan Beneficiaries, and Accompanying Children) Full Coverage Full Coverage Full Coverage Full Coverage Full Coverage

Out-patient Coverage (Optional)

The out-patient benefit provides coverage for any treatments or consultations completed without admission to the hospital. There are usually limitations on how much you can use such services, as listed in the table below.

Out-Patient Coverage (Optional)
Emergency Basic Essential Comfort Premium
24/7 Telehealth Service Unlimited Unlimited Unlimited Unlimited Unlimited
Consultations with GPs and specialists No Coverage 2 Consultations per Year with Full Coverage, EURO €80 per Consultation From the 3rd Onwards 5 Consultations per Year with Full Coverage, EURO €100 per Consultation From the 6th Onwards 10 Consultations per Year with Full Coverage, EURO €200 per Consultation From the 11th Onwards Full Coverage
Psychiatrists, psychologists, and psychotherapists No Coverage No Coverage Up to 4 Consultations per year and a maximum of EURO €60 per Consultation Up to 5 Consultations per year and a maximum of EURO €200 per Consultation Up to 20 Consultations per year and a maximum of EURO €200 per Consultation
Speech Therapists and Chiropodists No Coverage Up to 10 Consultations per Year Up to 15 Consultations per Year Full Coverage Full Coverage
Complementary Treatments (Physiotherapy, Chiropractors, Nursing Care, Occupational Therapy) No Coverage Up to EURO €1,000 per Year Up to EURO €2,000 per Year Up to EURO €4,000 per Year Full Coverage
Drug Prescription No Coverage Up to EURO €2,500 per Year Full Coverage Full Coverage Full Coverage
Diagnostic Tests No Coverage Full Coverage Full Coverage Full Coverage Full Coverage
Advanced Medical Imaging No Coverage Up to EURO €2,000 per Year Up to EURO €4,000 per Year Up to EURO €8,000 per Year Full Coverage
External Devices Including Hearing Aids (Dentures excluded) No Coverage Up to EURO €1,000 per Year Up to EURO €2,000 per Year Up to EURO €3,500 per Year Up to EURO €5,000 per Year

Maternity Coverage (Optional)

Maternity coverage is exclusive to plans tiered Essential or above, fully covering pregnancy and childbirth complications and newborn care up to a certain limit. 

April International is one of the few insurance providers that covers medical-assisted pregnancy methods like in-vitro fertilization (IVF), available in more advanced plans.

Note: There is a 12-month waiting period before the activation of maternity coverage.

Maternity Coverage
Emergency Basic Essential Comfort Premium
Childbirth Fees Including Hospitalization, Medical and Surgical Fees No Coverage No Coverage Up to EURO €3,000 per Pregnancy (Increased to  EURO €6,000 per Pregnancy for Surgical Delivery)

Pregnancy and Childbirth Complications and Newborn Care are Fully Covered.

Up to EURO €6,000 per Pregnancy (Increased to  EURO €12,000 per Pregnancy for Surgical Delivery)

Pregnancy and Childbirth Complications and Newborn Care are Fully Covered.

Up to EURO €12,000 per Pregnancy (Increased to  EURO €20,000 per Pregnancy for Surgical Delivery)

Pregnancy and Childbirth Complications and Newborn Care are Fully Covered.

Home Births
Perinatal Consultations
Pre-natal Classes
Diagnosis of Chromosomal Abnormalities
Neonatal Screening
Medical-Assisted Pregnancy (Pharmacy Items, Tests, and examinations) No Coverage Up to EURO €1,500 per Attempt Up to EURO €2,500 per Attempt

Dental and Optical Coverage (Optional)

April International provides considerably generous dental and optical coverage among other international health insurance plans, providing coverage for routine and preventative up to a certain amount with only a 3-month waiting period.

Dental Coverage

(3-month Waiting Period for Preventative and Routine Treatment, 6-month Waiting period for Major Dental Reconstruction and Orthodontics)

Emergency Basic Essential Comfort Premium
Annual Sublimit No Coverage EURO €500 EURO €1,000 EURO €2,000 for the First 2 Years; EURO €3,000 from the 3rd Year Onwards EURO €4,000 for the First 2 Years; EURO €5,000 from the 3rd Year Onwards
Preventative Dental Care No Coverage Full Coverage Full Coverage Full Coverage Full Coverage
Routine Dental Care No Coverage Full Coverage Full Coverage Full Coverage Full Coverage
Major Reconstructive Dental Treatment No Coverage Full Coverage Full Coverage Full Coverage Full Coverage
Orthodontics Up to Age 18 (Treatment Begun Before Age 16) No Coverage No Coverage No Coverage Up to EURO €1,200 per Year and a Maximum of 3 Years Up to EURO €1,700 per Year and a Maximum of 3 Years
Optical Coverage

(6-month Waiting Period)

Laser Treatment for Vision Correction No Coverage No Coverage No Coverage Up to EURO €500 Up to EURO €700
Frames and Lenses Up to EURO €150 Up to EURO €250
Contact Lenses Up to EURO €200 Up to EURO €300 Up to EURO €400

Exclusions by April International

Exclusions are a pre-set list of items that the insurer has declared not to provide any form of coverage for, April International has two major exclusions in its international health insurance policy:

  • Personal Liability: It refers to the consequences of alcoholism or drunkenness and the practice of dangerous sports. The insured should bear the risk themselves knowing that these actions carry their own risks.
  • Pre-existing Conditions: It refers to medical conditions or illnesses the insured person had before obtaining the insurance coverage. Consequently, any expenses, treatments, or claims related to pre-existing conditions will not be covered. 

Insurance companies often impose this exclusion to protect themselves from covering costs associated with pre-existing health conditions that existed before the policy’s effective date.

Health Insurance Top-Up Options for Expats

Image of Hong Kong High Rises Viewed From Victoria Harbor with text overlay of "Health Insurance Top-Up Options"

Top-up options are insurance coverage that you can purchase on top of your insurance policy by paying extra premiums for comprehensiveness. You can freely add none or multiple according to your own needs. Here is a non-exhaustive list of top-up options offered by April International:

  • Comprehensive Repatriation Assistance: This provides coverage for the repatriation of the insured individual in case of a medical emergency that requires their return to their home country. It includes assistance with medical arrangements, travel arrangements, and necessary documentation.
  • Death of the Insured: This insurance option provides financial coverage to the designated beneficiaries in the event of the insured person’s death. It helps alleviate the financial burden by providing a lump sum payment or benefits to the family or beneficiaries.
  • Attack or Natural Disaster: This offers you protection in case of an attack or natural disaster occurring during the insured individual’s travel. It may provide coverage for medical expenses, emergency evacuation, trip cancellation or interruption, and other related costs resulting from such incidents.
  • Loss or Theft of Identity Documents, Baggage, or Travel Documents: Covers the costs associated with the loss or theft of important documents like passports, IDs, travel documents, or baggage during the insured person’s travel, including replacement of the lost documents.
  • Travel Incidents: This covers various travel-related incidents such as flight delays, missed connections, or trip cancellations due to unforeseen circumstances. The insured could be reimbursed for additional expenses incurred and help arrange alternative travel arrangements.
  • Death or Hospitalization of a Family Member: This option offers support and coverage if a family member of the insured person passes away or requires hospitalization while the insured is traveling. 
  • Unintentional Violation of Laws in a Country: This insurance top-up provides legal support and coverage if the insured individual unintentionally violates laws in a foreign country. It may cover legal representation costs, bail expenses, and related legal assistance.
  • Translation: This opens up access to translation services in case the insured encounters language barriers during travel. It can assist with interpretation, document translation, or communication with local authorities or medical professionals.
  • Psychological Support: This insurance option provides access to professional psychological support or counseling services for the insured to provide assistance and guidance to help manage and cope with psychological challenges.

Advantages of April International as Your Insurer in China 

By choosing April International as your dedicated insurance provider, you’ll be rewarded with the convenience brought by the advanced technology of paperless documentation and information exchange, as well as access to all-time health support services through telehealth.

Multi-Currency Payment

MyHealth can be purchased with GBP, USD, or EURO, providing expats from all over the world the option to pay whichever is most convenient for their current status. You can freely switch the currency in the tables above to calculate how much coverage you’re getting with each currency of payment.

Paperless Documentation

Easy Claim is an award-winning app that streamlines the steps required to access your insurance services. With every documentation completed online, you don’t have to worry about not having access to necessary documents in cases of emergency hospitalization that require urgent treatment.

Here is a list of functions that are made available in the app:

  • Submit invoices and track claims
  • Talk to a doctor via our telehealth service
  • Find a healthcare provider
  • Send a medical estimate
  • Find and access all the documents related to your cover

Fast Processing Times

According to the statistics from April International, here are the normal processing times depending on the nature of the request:

  • Information request: Within 48 hours
  • Prior agreement request: Within 3 days
  • Request for hospital care: Within 4 hours for emergencies/ within 3 days for scheduled hospitalization
  • Claims processing to reimbursement: Within 48 hours via the Easy Claim app

24/7 Member Support 

24/7 local support is provided for all policyholders. With 13 offices, April International can cater to all clients across different time zones and offer immediate support in the event of unforeseen circumstances. You can contact them directly through several channels:

  • Telephone
  • Online Chat
  • E-mail

Direct Billing

Direct billing eliminates the need for policyholders to pay out-of-pocket and later seek reimbursement. It streamlines the payment process and saves time and effort. And as the insured is not required to pay upfront, no financial burden will be incurred. 

Free and Unlimited 24/7 Telehealth 

In partnership with Teladoc Health, MyHealth includes an advanced telehealth service for its members. The service is available in 12 languages, and members can utilize it as much as possible to consult with a designated doctor or to request a second medical opinion from multiple doctors.

Frequently Asked Questions

Is April International a good insurance company?

April International is good international insurance. The company insures 130,000 people in 180 countries and has 12 countries of operation. This insurance provider has more than thirty years of experience in the international insurance industry and offers a fully digital experience.

How do I make a claim with April International?

The claims process is simplified with their signature Easy Claim app that allows reimbursement within 48 hours. To claim treatments over EURO €2,000, you will have to request a treatment approval beforehand or otherwise, you might face a penalty.

What are the payment options for April International’s insurance?

Depending on your location, payment options for April International include bank transfer, credit or debit card payments, direct debit, and other online payment options are all accepted. It is advisable to consult your policy documents or contact April International for specific payment options and instructions.

Conclusion 

MyHealth International by April International has plans that cover individuals and families with distinct needs and budgets. It could be a daunting task for those who are new to the insurance industry to figure out which plan suits them best.

That’s why many chose to get insured through a reputed broker. Without paying a single penny, your inquiries will be promptly addressed and your claims process assisted. They are always on their clients’ side when dealing with insurance providers. 

Pacific Prime is an award-winning insurance broker, and our team of insurance experts is committed to client-first servicing and providing you with professional service and tailored solutions to your interests and budget. Our excellence in customer support is trusted and recognized worldwide.

With over 20 years of experience in the industry, we have expanded our network to over 13 countries in different regions of the world and connected with a wide selection of top global insurance companies, to provide options for your health insurance needs abroad in China.

If you want to know more about all things insurance, talk to our team of expert advisors for impartial advice; Or you can also opt for an obligation-free quote with our advanced online quote system. Contact us today!

With all that said, April International is not your only choice for a comprehensive international health insurance package. Insurance is designed differently, and we recommend you browse around to make an informed decision before settling on one. 

Below is another reputable insurance provider in China that might interest you: 

Allianz

China has a unique healthcare system, which can leave you confused and helpless without guidance. If you wish to understand more about access to healthcare in China, check out our article here.

Content Creator at Pacific Prime
Eric is an experienced content writer specializing in writing creative copies of marketing materials including social media posts, advertisements, landing pages, and video scripts.

Since joining Pacific Prime, Eric was exposed to a new world of insurance. Having learned about insurance products extensively, he has taken joy and satisfaction in helping individuals and businesses manage risks and protect themselves against financial loss through the power of words.

Although born and raised in Hong Kong, he spent a quarter of his life living and studying in the UK. He believes his multicultural experience is a great asset in understanding the needs and wants of expats and globe-trotters.

Eric’s strengths lie in his strong research, analytical, and communication skills, obtained through his BA in Linguistics from the University of York and MSc in Teaching English to Speakers of Other Languages (TESOL) from the University of Bristol.

Outside of work, he enjoys some me-time gaming and reading on his own, occasionally going absolutely mental on a night out with friends.
Eric Chung
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