April MyHealth International

• Five healthcare covers you can choose from
• The lowest cover (Emergency) is cheap but very limited and covers only accidents and medical emergencies. Emergenycover also excludes cover for cancertreatment. Read the benefits overview carefully!
• Each cover offers options to included / exclude outpatient and repatriation
• High deductibles on inpatient cover possible; up to 5.000 euro per year
• Co-payment possible on outpatient costs (10% / 20%)
• Easy online application
• Optional cover: "Assistance Package" incl. personal liability cover
• Optional cover: maternity incl. childbirth up to 6.000 euro in Comfort and Premium cover, waiting period of 10 months after enrollment applies.
• Optional cover: dental / optics. Reimbursement depend on cover for healthcare. See benefits overview below or the application module for details.
• Zone 0 + Mexico and Thailand: enrollment is up to 65 years of age (64 is possible, 65 is not)
• Zone 1 and 2: enrollment up to 71 years of age (70 is possible - 71 is not possible)
• Zone 3, 4 and 5: enrollment up to 75 years of age (74 is possible - 75 is not possible)
• Not possible in Ukraine, Syria, Cuba, Iran and North Korea
• Extension of coverage zone can be applied up to an age 60 years
• Once the insurance is effective, lifetime renewal is possible
• Payment of premium via either bank card / bank transfer / SEPA direct debit
• Currency in Dollar or Euro
• Optional covers for life / disability
• Cancellation possible per email each year per renewal date, however with a 60 days notice period.
• Certain professions are excluded: offshore / oil rigs, under water profs, handling explosives, corrosive, toxic or radioactive substances, maritime profs, surveillance / security, work on hights above 20 metres, pilots and aircrew, prof sports.
• Medical cover at sea up to 200 nautical miles (approx. 370 km) from shore however no cover for rescue / medical repatriation at sea.
• Exclusions; we recommend to read the General Conditions art. 8 (page 19-21)

Tip:

To get a better understanding of this insurance we invite you to read the ‘benefits overview’ document as it presents a very clear and practical insight in how this insurance works.

Covid-19 cover

• Covid-19 cover sheet March 2021

• Fill out your date of birth, nationality, country etc in the Quotation and Application Module for April MyHealth International and search for the best combination of cover which suits your needs.
• Choose for a high deductible or co-pay on outpatient cover to lower your premium.

Tip 1:

we know most of our clients are not interested in the "death and total irreversible loss of autonomy and income benefits insurances" which can be part of this insurance package, however the online application module will ask you if you want to issue those insurances . If you don’t want that you can just click the button ‘I am not interested’ on the right part of the page and you will apply for healthcare / dental (optional) only.

Tip 2:

You can always calculate premiums in the module online (and you should as we cannot provide quotes on behalf of you), but if the online application module does not work to actually apply for the insurance you can also apply for an insurance using an applicationform and health questionnaire in pdf. You can fill out the forms online in your pdf program, so no need to print / scan. Fill out the forms completely and email them back to us (contact@johoinsurances.org) Important! Add a copy of your passport in the email!

Tip 3:

If you are > 60 years of age the option 'extension of cover zone' does not work in the online application module.This is a 'bug' in the module. However if you want cover in a country (like your country of origin?) that is situated in a more expensive premium region (see here) the solution to have that country covered is to mention that country to be your 'country of stay' at the beginning of the online application.

Online application

Characteristics of the April MyHealth International claim process:

• Online customer zone
• Easy Claim mobile app for paperless claims (available for plans with cover from the 1st euro/dollar)
• Multilingual advisors available 24/7 by telephone, email, chat, Messenger and WhatsApp
• Hospital charges covered directly 24/7
• Care network in the USA and Mexico and assistance in locating partner health professionals worldwide
• Claims processed within 48 hours, including for scheduled hospital admissions
• Paperless reimbursements up to €/$ 1,000 per bill
• A multilingual plan management team (17 languages)
• Three management platforms located in Mexico City, Paris and Bangkok

Claim Documents (pdf)

• Claim form
• Membership guide (including claim instruction)

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