Reviews about ACS-AMI

ACS AMI
Score awarded by policyholders
3.3/5 for 18 reviews
Score awarded by experts
78/100
Destination country

Who is ACS ?

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

Trait

ACS expatriate insurance

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.

Trait

Reviews by experts
on expatriate health insurance

Score awarded by experts
78/100
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
Strengths / Weaknesses
Trait
Strengths
  • 3 coverage levels - 80/90/100
  • Economical hospitalization-only plan
  • Private room from the 1st coverage level
  • Cost-effective rates for repatriation & liability insurance
  • Coverage in France included for nationals
  • Monthly payment option (CB included)
Trait
Weaknesses
  • Limited E-claiming to € 500 /invoice
  • Contract termination at 70 years (non-lifelong)
  • Annual ceiling limited for expensive countries
  • Expensive hospitalization & routine medicine plans
  • Strict and extensive medical selection
  • outdated documentation and interfaces

Reviews by policyholders

Score awarded by policyholders
3.3/5 for 18 reviews

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

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.

Verified reviews 4.9/5