ACS Expat Health Insurance
Comprehensive international health coverage designed for expatriates and long-term travelers.
Customize your protection with a modular approach that fits your lifestyle and your budget — starting with essential hospitalization and evacuation, then adding outpatient care, dental, maternity, and more as needed.
Core Coverage
Hospitalisation & Medevac
Every ACS Expat plan includes this essential module by default.
- Coverage for hospital stays over 24 hours
- Surgical procedures, ICU, and prescribed treatments
- Private room (limit varies by plan level)
- Cancer treatment (limits depend on the plan)
- Psychiatric hospitalization (after a 3-month waiting period)
- Organ transplants (excluding donor and related medication costs)
- Medical evacuation to the nearest suitable medical center
- Return transport to your country of residence after treatment
- Rehabilitation, hospital-at-home, and local ambulance
- Emergency hospitalization while traveling outside your covered zone (short trips only)
Optional Modules
Routine Medical Care (Outpatient)
Covers everyday healthcare needs like:
- General practitioner and specialist visits
- Laboratory tests, scans, and MRIs
- Prescription medication and vaccines
- Physiotherapy and alternative medicine (e.g., acupuncture)
- Cancer screening and general health checkups
- Self-medication and smoking cessation (Level 2+)
Levels available:
- Level 1 (basic outpatient care)
- Level 2 (extended coverage)
- Level 3 (comprehensive, Platinum-only)
Dental & Optical
Available only if you subscribe to outpatient care.
- Dental cleanings, fillings, extractions, root canals
- Dental prosthetics (inlays, crowns, implants)
- Orthodontics (children under 16)
- Prescription glasses and contact lenses
- Laser vision correction
Two levels:
- Level 1: up to €/$2,000 per year
- Level 2: up to €/$4,000 per year
Maternity
Requires outpatient module. 12-month waiting period.
- Pre- and post-natal consultations
- Hospital delivery and private room
- Caesarean section (if medically required)
- Childbirth preparation
- Newborn screening and care
- Medically Assisted Reproduction (Level 2 only, 18-month wait)
Two levels:
- Level 1: up to €/$6,000 per pregnancy
- Level 2: up to €/$12,000 per pregnancy
Assistance Plus
Extra support benefits for real-life emergencies:
- Hotel costs post-Medevac (€/$80 per night up to 10 nights)
- Childcare during hospitalization
- Early return tickets in case of family emergency
- Repatriation of family members
- Legal support and psychological assistance
- Funeral expenses and body transport
- Search and rescue costs
Plan Levels Comparison
| Plan | Annual Limit | Private Room Limit | Cancer Treatment Coverage |
|---|---|---|---|
| Bronze | €/$500,000 | €/$100 per day | Not covered |
| Silver | €/$1,000,000 | €/$150 per day | Up to €/$3,000 per year |
| Gold | €/$2,000,000 | €/$250 per day | Up to €/$3,500 per year |
| Platinum | €/$3,000,000 | 100% of actual cost | Up to €/$4,000 per year |
