Insurance · Health insurance
April International Care
Health insurance
April International Care is one of the historically French international health insurers most present within the French-speaking expat community in Southeast Asia. A subsidiary of the April group (1988, Lyon), the company distributes its products through a worldwide broker network and via its own website; the operational headquarters for Asia is based in Hong Kong, and there is no physical branch in Cambodia — subscription is fully online, and customer service is handled by email/phone (reachable from Phnom Penh without surcharge via a French local number +33). For expats in Cambodia, April offers two main ranges: "MyHealth" (long-stay residents, modular as a first-euro plan or as a CFE top-up) and "Mobility" (stays < 12 months, students, short missions). April's main strengths for the Cambodian market come down to three factors: (1) direct billing (no out-of-pocket) operational with the main international clinics in Phnom Penh — Royal Phnom Penh Hospital, Naga, Raffles, Sunrise Japan — as well as with the leading hospitals in Bangkok (Bumrungrad, Bangkok Hospital), Singapore (Mount Elizabeth, Raffles Singapore) and Ho Chi Minh; (2) medical evacuation included, managed 24/7 by certified assistance providers (Mondial Assistance / AXA Partners); (3) full availability of customer service and policy terms in French, which remains rare in this segment. Rates typically range from USD 1,500 to 6,000 per adult/year depending on the zone (1, 2 or 3 — Cambodia is in zone 2 "Asia excluding USA/Japan"). April is regularly recommended by the French Embassy in Phnom Penh on its list of health insurers for French nationals residing abroad.
Verified on
- Phone
- +33 9 70 81 91 19
- Languages
- FR EN
- Google Reviews
- 4.2 / 5 (1850 reviews)
Address
Aucune agence Cambodge — siège Asie : Suite 802, 8/F, Tower 1, China Hong Kong City, 33 Canton Road, Tsim Sha Tsui, Kowloon, Hong Kong
Insurance types covered
Advantages & drawbacks
Advantages
- Fully French-speaking customer service and policies — Advisers, policy terms, app, invoices, appeals — all in French.
- Direct billing across Asia — Network of major international clinics in Phnom Penh, Bangkok, Singapore, Ho Chi Minh.
- 24/7 medical evacuation — Managed by AXA Partners / Mondial Assistance, actual costs up to EUR 1 m.
- CFE combination possible — "April + CFE" very common among French retirees, optimises premiums.
Drawbacks
- No physical branch in Cambodia — Everything remote, which can complicate a complex claim.
- Price/quality ratio less aggressive than Genki or Now Health — Expect 15–25% more for equivalent cover.
- Annual renewal to watch — Frequent increases after 2–3 years — compare carefully at each renewal.
Available insurances
| Product | Type | Target | Description |
|---|---|---|---|
| MyHealth Pacifica | Health insurance | Long-stay residents | International health from the first euro or as a CFE top-up — hospitalisation, outpatient, maternity, optical, dental. |
| MyTravel | Travel insurance | Short-stay travellers | Schengen-compliant travel cover, up to 90 days. |
| Mobility | Health insurance | Students, interns, missions < 12 months | Short-stay international plan (3–12 months). |
| Magellan Expat | Health insurance | Expat families | Premium plan with high caps (up to EUR 4 m medical costs). |
Coverage limits
| Item | Limit | Notes |
|---|---|---|
| Total medical costs | Up to EUR 4,000,000 / year | Magellan plan; MyHealth plans capped at EUR 1,500,000. |
| Hospitalisation | Actual costs (in full) | On the direct network, no advance payment. |
| Medical evacuation | Actual costs up to EUR 1,000,000 | To Bangkok / Singapore if care is unsuitable locally. |
| Maternity | Up to EUR 8,000 / delivery | 10-month waiting period. |
| Dental | EUR 1,500–3,000 / year depending on plan | — |
| Optical | EUR 250–600 / year depending on plan | — |
Coverage regions
| Region | Status | Notes |
|---|---|---|
| Zone 1 — Cambodia / ASEAN excluding Singapore | Included | Base rate. |
| Zone 2 — Wider Asia (Singapore, Hong Kong, Japan) | Included | Surcharge ~ 15–25%. |
| Worldwide excluding USA / Canada | Optional | Rider. |
| USA / Canada | Optional | Heavy surcharge (~+40–60%). |
Inclusions & exclusions
| Element | Status | Notes |
|---|---|---|
| Hospitalisation and surgery | Included | — |
| Outpatient medicine | Included | Pacifica and Magellan plans. |
| Maternity | Included | 10-month waiting period. |
| Dental | Included | Annual caps depending on plan. |
| Optical | Included | — |
| Pre-existing conditions | Excluded | Unless declared and accepted by the April medical adviser. |
| Extreme sports | Excluded | — |
| Cosmetic treatments (non-reconstructive) | Excluded | — |
| Complementary medicine (acupuncture, chiropractic) | Optional | Rider available. |
| COVID-19 and pandemics | Included | — |
Partner medical network
- Royal Phnom Penh Hospital — Phnom Penh (Direct billing.)
- Sunrise Japan Hospital — Phnom Penh
- Raffles Medical Phnom Penh — Phnom Penh
- Naga Clinic — Phnom Penh
- Khema International Polyclinic — Phnom Penh
- Sen Sok International University Hospital — Phnom Penh
- Bumrungrad International Hospital — Bangkok (Evacuation and major care.)
- Bangkok Hospital — Bangkok
- Mount Elizabeth Hospital — Singapore (Critical cases.)
- Raffles Hospital — Singapore
Sources (2)
Every fact in this guide comes from official documents or government sites. An access date is recorded for each source.