Repatriation insurance for expatriates, Expat management

Expat Management offers you the following services:

INTER PARTNER ASSISTANCE manages the assistance contracts for the EXPAT MANAGEMENT expatriates. This contract is valid 24 hours a day throughout the world. It covers the same persons as the beneficiaries defined for the sickness coverage.

GUARANTEES
Assistance in the event of sickness or injury of the beneficiary

Organization and payment of medical transportation/ repatriation of the beneficiary or beneficiaries in the event of illness or accident.
Organization and payment of the round trip of a beneficiary accompanying the injured or sick party when this is necessary.
Organization and payment for the return to the country of residence after a medical transportation/repatriation.
Advance of medical and hospital costs up to € 30 500 taxes included maximum.

Assistance in the event of death

Organization and payment of transportation/ repatriation of the body of the beneficiary or beneficiaries.

Organization and payment of repatriation of the other family who are included in the coverage.

Early return in the case of death of an immediate family member (spouse, mother, father, brother, sister, brother or sister in-law). Payment of roundtrip airline ticket in economy class or first class train ticket.

Coffin fees up to € 2 286.

Assistance in event of legal action of a beneficiary pursuant to a traffic accident

Advance of the amount of bail up to € 15 250 including tax and the lawyer's fees up to € 3 050..

Other than expatriated persons, only parties who fall within the scope of the insurance policy and whose participation is validated by EXPAT MANAGEMENT may qualify as beneficiaries.

Beneficiaries of the international health insurance scheme

In addition to the insured, the following beneficiaries of the insured are covered:

his dependent spouse as defined by French social security,
in the absence of a spouse and subject to a certification of concubinage, the concubine as defined by French social security,
his spouse or concubine exercising a professional activity, with the payments being applied in deduction against the social security coverage that the beneficiary might eventually be entitled to,
his children of less than 26 years of age who are pursuing secondary or advanced studies regardless of the countries, provided that they do not exercise a salaried activity

Medical scheme

The coverage for medical costs is accessible to any expatriate under contract with EXPAT MANAGEMENT regardless of his nationality, age and place of assignment. The coverage is applicable to the entire world.

When the insured is affiliated with CFE medical cover, the EXPAT MANAGEMENT coverage is applicable after the coverage provided by this program.

a) Hospitalization-surgery : 100% of actual costs (including the eventual standard hospital allowance).

b) Hospitalization (medical - mental illness care - nervous disorder) : 100% of actual costs during the first 180 days (including the eventual standard hospital allowance) .

After 180 days: 80% of actual costs (including the eventual standard hospital allowance)

individual room: € 88,38 per day (amount on January 1, 2011).

c) Current medical expenses (excluding those defined below) : 90% of actual costs (consultations, medical prescriptions, etc.)
Note: psychiatric treatment outside of hospitalization is not taken into account. d) Pregnancy and childbirth : 100% of actual costs up to € 762.25. - 85% of all cost above this - Maximum: € 3 658.78

In the event of surgical intervention, the costs are covered under the category "hospitalization-surgery"..

e) Dental care : 90% of actual costs up to € 2 946 per person and per year (amount on January 1, 2011).

f) Dental prosthesis (and including orthodontic care) : 70% of actual costs - Annual limit per person: € 2 946 per person (amount on January 1, 2011).
Limit per tooth: 25% of the annual limit, i.e. € 736,50.

g) Orthodontic care (in the event of treatment as from age 12) :
70% of real costs. Maximum: € 304.90 per semester during four semesters.

h) Orthopaedics and other prostheses
70% of actual costs - Maximum: € 304.90 per six month period for 2 years.

i) Optical costs : 90% of actual costs up to € 736,50 per year and per person for the entire category.

	Décès (1) - Invalidité absolue et définitive toutes causes
	Célibataire, Veuf, Divorcé, Séparé, sans enfant Marié sans enfant Marié avec enfant(s)	100 % du salaire de référence 200 % du salaire de référence 300 % du salaire de référence

	Décès - Invalidité absolue et définitive accidentelles	Versement d’un capital supplémentaire égal à 100 % du capital décès toutes causes
	Invalidité permanente accidentelle (IPA)	Franchise relative : 10 % Montant : 100 % des capitaux décès x taux d’invalidité
	Incapacité temporaire (maladie, accident, vie privée ou professionnelle) Franchise : Montant :	90 jours 60 % du salaire de référence


	There is no obligation to contribute to French expatriates funds. Social pensions, complementary retirement and unemployment schemes remain optional to all members.

	You can subscribe to the French Social Security general retirement scheme through the CFE (Caisse des Français de l’Etranger, i.e.: French Expatriates Contributory Fund). Such affiliation thus enables you to keep contributing to the French retirement basic scheme: the Social Security Insurance Scheme. The CFE shall consequently keep your individual retirement account updated.


	The CRE and IRCAFEX programs are in fact the existing complementary funds available to expatriates. CRE(Caisse de Retraite pour la France et l`Exterieur): Retirement for French residents and expatriates belonging to Arcco (a retirement scheme for French Employees) IRCAFEX (Institution de Retraite des Cadres et Assimiles de France et de l`EXterieur): managers and assistants Insurance program belonging to Agirc(a retirement scheme for Executive French Employees) So, you can contribute to the French complementary retirement scheme system and to therefore keep your rights even as expatriates.


	An Unemployment insurance is available to expatriates, through the GARP-POLE EMPLOI (Groupement des Assedic de la Region Parisienne) Subscription to this particular insurance program enables its members to contribute to the unemployment insurance program prevailing in France, more precisely through the specific expatriates’ fund. The employee must register to Pole Emploi at latest 12 months following the end of his overseas mission in order to qualify for employment benefits, provided that he has contributed for at least 18 months over the 24 last months preceding the end of such overseas mission. The sum of employment benefits will be calculated according to the employee’s age and duration of his overseas mission.