APRIL International Reinvents Expat Care with MyHealth International: A Strategic Pan-European iPMI Breakthrough

As the international mobility landscape across Europe undergoes a period of rapid evolution, the demand for borderless, high-tier medical security has become a priority for global citizens. In response, APRIL International today announced the launch of MyHealth International, a sophisticated pan-European iPMI solution. This strategic milestone for the APRIL Group is designed to support the full spectrum of international mobility projects by merging flexible health coverage with a digital-first assistance ecosystem.

Specifically engineered as a comprehensive international health insurance for European expatriates, MyHealth International aims to eliminate the administrative and financial friction inherent in cross-border living. By integrating pioneering digital tools with robust medical protection, the solution provides a seamless care journey for everyone from corporate assignees to independent retirees.

Strategic Flexibility: Tailored Protection for Every Mobility Profile

In an era where medical inflation containment is a primary concern for policyholders, the "one-size-fits-all" insurance model is no longer competitive. MyHealth International addresses this by offering four distinct levels of protection. Rather than fixed demographic plans, these tiers allow policyholders to scale their coverage depth—from essential inpatient care to comprehensive worldwide protection—ensuring premiums remain aligned with specific needs and budgets.

These four levels are meticulously designed to suit the evolving requirements of diverse profiles:

• Young Professionals: Focused on cost-effective, essential coverage for those embarking on their first international assignments.
• Families: Providing comprehensive security with a broad range of medical services to protect all household members.
• Retirees: Offering stable, long-term protection tailored to the unique healthcare journeys of those living their retirement years abroad.
• Global Leaders: High-tier worldwide protection for those requiring maximum flexibility and extensive benefits.

Beyond medical expenses, the plan incorporates a holistic safety net through assistance benefits. This includes third-party liability coverage—a critical peace of mind feature—as well as crisis management support for unexpected events such as natural disasters, terrorism, or civil unrest. Travel-specific protections, including coverage for flight cancellations and lost luggage, further transform the product from a health policy into a complete lifestyle security solution.

Digital Innovation: Driving the Cashless Care Journey

For the modern expatriate, the traditional "pay and claim" model is a significant pain point. APRIL International has addressed this by positioning digital transformation as the new battleground for customer experience. The centrepiece of this innovation is the virtual payment card, fully integrated within the Easy Claim app.

This technology facilitates cashless medical payments for expats, allowing policyholders to settle costly routine care bills in real-time. By removing the requirement for upfront payments, APRIL preserves the personal cash flow of its members and ensures that financial barriers never delay necessary treatment. The digital ecosystem is further enhanced by 24/7 access to teleconsultation services and dedicated mental health support, providing expert guidance regardless of the policyholder’s time zone.

Operational Excellence and Seamless Portability

The strength of MyHealth International is underpinned by APRIL International’s vast global infrastructure, which is essential for maintaining loss ratio stability and high service standards. Policyholders benefit from:

• Global Provider Network: Immediate access to over 2 million healthcare providers worldwide.
• Medical Expertise: An in-house team of 60 medical experts providing personalized follow-up and rigorous cost management.
• The Two-Zone System: A simplified coverage structure designed for seamless portability. This system ensures continuity of coverage when moving between countries within a zone, eliminating the need for medical re-underwriting or the risk of coverage gaps during relocation.

This operational framework allows APRIL to offer pricing that is precisely aligned with local healthcare costs while maintaining the premium service quality expected of a leading iPMI provider.

Executive Vision: From Provider to Partner

Isabelle Moins, CEO of APRIL International Europe & Africa, emphasizes that the launch of MyHealth International represents a fundamental shift in the company’s role.

"Our mission goes far beyond providing insurance coverage for the many clients who already place their trust in us, such as Business France in Asia. We strive to be a true partner for our policyholders by removing administrative and financial barriers to accessing healthcare abroad. Our goal is to ensure that everyone—whatever their destination or project—benefits from long-term protection and innovative services that genuinely make everyday life easier."

APRIL is the leading wholesale broker in France with a worldwide network of 30,000 partner brokers. APRIL’s 3,000 staff members aim to offer their customers and partners—individuals, professionals, and businesses—an outstanding experience combining the best of people and technology. The Group specializes in health and personal protection, loan insurance, international private medical insurance (iPMI), property and casualty niche insurance, and asset management. Committed to its "Oxygen" CSR approach, the APRIL Group operates in 20 countries and recorded a turnover of €860 million in 2024 (most recent audited figures).