APRIL Expat Health Insurance
Core Coverage
Hospitalisation & Medevac
Every APRIL plan includes this essential module by default.
Emergency & accident hospitalisation (100% of actual/reasonable costs)
Two-bed or standard private rooms (between 75–100 USD daily, depending on plan)
Medical repatriation included in every plan.
No cash advance for hospital stays with prior approval
Additional
Module Options
Outpatient Care – GP and specialist consultations, testing and diagnostics
Vision & Dental – Included only with outpatient; coverage tiers vary by plan
Maternity – Optional with outpatient; coverage up to 3,000 USD (Essential), 6,000 USD (Comfort), 12,000 USD (Premium)
Coverage Zones & Travel
Select a Cover Zone based on primary country of residence:
Zone 1 – Cambodia + most world (excl. US, Japan, etc.)
Zone 2 & 3 – Broader geographical scope — see brochure
Temporary travel (<90 days) outside your zone permitted (accident/medical emergency
Deductibles & Premium Adjustments
Choose an annual deductible that fits your needs:
- Options typically: 500 USD, 1,000 USD, 2,500 USD, 5,000 USD
- Choosing a higher deductible lowers the premium
Digital Advantage & Service
100% paperless enrolment and reimbursement via EasyClaim app
24/7 teleconsultation and multilingual support via chat or app
No hospital upfront billing (with prior approval)
Coverage Levels (Plans)
| Plan | Annual Limit | Hospitalisation Room |
|---|---|---|
| Emergency | 250,000 USD | Two-bed (accident/emergency only) |
| Basic | 500,000 USD | Two-bed or standard private |
| Essential | 1,000,000 USD | Private room up to 75 USD/day |
| Comfort | 1,500,000 USD | Standard private room |
| Premium | Unlimited | Standard private room |
