ACS was established over 40 years ago with the primary objective of providing health coverage to foreign students coming to study in France and French students heading abroad. Over the years, ACS has evolved into a key partner for numerous schools and universities. ACS has broadened its scope to cater to diplomats and, subsequently, to individuals in various situations of international mobility.
ACS consistently pioneers innovation by introducing targeted solutions to better address the demands of its clientele. As a trailblazer in the industry, ACS proudly holds the distinction of being the first administrator to offer expatriate health insurance specifically designed for countries in Southeast Asia. This specialized coverage extends to nations such as Cambodia, Indonesia, Laos, Malaysia, Myanmar, the Philippines, Taiwan, Thailand, and Vietnam.
| Launch Year | 1979 |
| CFE Approved | Yes |
| Number of Plans Compared | 10 |
| Hospital Direct Billing | Worldwide |
| Management Centers | Paris, Hong-Kong |
| Expat Policy Insurer | Allianz |
| Evacuation Assistance | Allianz |
| Applicable Law | French |
ACS stands out for its commitment to simplicity and clarity, exemplified by the most concise general conditions in the market. The insurance offerings feature an uncomplicated hospitalization plan complemented by comprehensive packages covering routine medical care, optical services, dental treatments, and maternity services.
Reimbursement ceilings are tailored to your country of residence, ensuring coverage in France regardless of the chosen plan. This globally applicable standard package is augmented by more targeted products catering to specific regions such as Europe, Southeast Asia, and retirees.
| Coeff. | Score | |
| Underwriting process | 10% | 5.5/10 |
| Waiting periods | 5% | 5/5 |
| Timeliness of reimbursements | 20% | 11/20 |
| Claims management | 10% | 7.5/10 |
| Rate increase | 20% | 17/20 |
| Contractual and legal security | 20% | 19/20 |
| Exclusions | 10% | 10/10 |
| Contract flexibility | 5% | 3/5 |
| OVERALL SCORE | 78/100 |
nicolas on 06/30/2021
Fortunately, I did not have to test the responsiveness of my insurer, but I hope to get the best service from him if necessary. I have often called on Jihan to advise me and in this case she proposes to continue with the same coverage, but with a cheaper formula (about 70 euros) but I do not know the details! Sincerely.
it does the job
Ben on 03/15/2021
The website did not work to make the request for reimbursement, so it was done by e-mail, in French. I got vague answers, maximum 1 time per day, sometimes 1 per week. Never anything clear, and above all no delay or confirmation of the next step. The sending of receipts to Hong Kong is very appreciable, from China it's much cheaper than a dhl/ups to France.finally, all's well that ends well, but the experience was quite painful.for precision, I only have a hospitalization insurance and I only had to use it once.
To recommend without hesitation on 19/01/2019
MLD on 01/19/2019
very good, just some concerns with the exclusion, it would have deserved to be clearer on the possibilities to discuss the exclusion
A reactive and professional accompaniment on 11/01/2019
Clément on 01/11/2019
I have no opinion as I have never been in direct contact with them and have never used their insurance services.
Advice, assistance, information, good customer reception on 16/05/2016
Fred on 05/16/2016
Transmission of documents a bit long, not yet tested the contract and the company.
Health insurance
Nicolas on 05/16/2016
I just signed up. At this stage, no particular opinion on the insurer. The contract meets my expectations.
Available interlocutors and very good advice. I recommend. on 15/03/2016
Jean François on 03/15/2016
Everything was fast. I got my certificate in time and the level of coverage is good. I took out a hospitalization, repatriation and civil liability policy.
Explanations on the follow-up of the files - the 08/07/15
Chloé on 07/08/2015
Insurance
Myst on 11/05/2014
The good and not so good surprises of the comparator the 10/09/2014
Al Black on 09/10/2014
The only insurer that does not cover only unexpected expenses but all those that would be reimbursed by the French Social Security.
Good advices to choose the health insurance on 20/07/2014
Alexis on 07/20/2014
Good guarantees on the insurance in case of hospitalization for a moderate cost; allows to have all the care and operation reimbursed in case of hospitalization and a private room in a private hospital of very high level in Bangkok. But no experience of a hospitalization and thus the level of service and real reimbursement in case of real problem.
Long term travel insurance on 26/05/2014
Jec on 05/26/2014
Good price compared to other insurers. To have a particular adviser allows to have a better follow-up and a certain saving of time.
Expatriate health insurance - thailand (th) by bernard on 29/04/2014
bernard on 04/29/2014
I'm a new client - no opinion and hope I never need it for illness and accident.
good on the 26/04/2014
alain on 04/26/2014
good advice
comment on 03/23/2014
didier on 03/23/2014
If I only put 3 stars it's because I didn't use my insurance, so I can't judge it, 3 stars for a good quality/price ratio.
+33 531618450
