The insurer responds very quickly by email, processes the claims quickly, and the procedures can be done by email which is very convenient. Positive points concerning the customer service. However, I am less satisfied with the quality of the care insurance. My contract is entitled to the 1st Euro, which is a commercial lie. First of all, there is a deductible of 300 Euros before you can be reimbursed (the contract should therefore be called at the first 300 Euros, not the first Euro), and in the reimbursement of consultation costs it only reimburses 90%, making it even longer to reach the 300 Euros. When I wanted to register my pregnant wife on my insurance, the waiting period is 10 months (gestation time of a human being is 9 months, I think!), so the insurer is clearly not interesting. In short, the quality of service is very good to try to hide the fact that the insurer will anyway do everything to not reimburse anything.
International Santé vous répond :
Thank you for your message which raises some very interesting points namely that of the choice of deductibles and that of maternity.
The deductibles allow you to lower the monthly contribution:
With regard to the deductible of 300 per calendar year and the 90% reimbursement, they do apply on this contract because it reduces the contribution paid every month. This is a choice you made at the time of enrolment. At that time, you were given proposals with and without deductibles and you chose the plan with deductibles so that the premium would fit within your budget while including dental and optical benefits. He had then communicated to you again the rates for packages without deductible but you preferred to keep the deductible of 300 / year and per family because in your case it allows you to reduce the contribution by nearly 600 / year, a saving well above the maximum cost of the deductible.
No existing expatriate guarantee covers maternity without a waiting period:
As far as maternity is concerned, all expatriate health contracts on the market, without exception, have waiting periods. We understand that this can be annoying but it is important to know why this situation exists. We invite you to consult our page dedicated to this question: https://www.international-sante.com/faq/carence-maternite-10-mois/
In your case, you actually subscribed alone to your contract in 2018 and in September 2020 you asked for the addition of your spouse who was pregnant and quite close to the term, the waiting period could not therefore cover this maternity, neither on this contract, nor on any other contract. You did not add your wife to the contract at that time and today, if she were to become pregnant again, the same problem would arise with any insurer.
+33 531618450
