Expatriate medical insurance: from the Application Form to renewal

You just send us your Indigo Expat‘s Application Form for your expatriate medical insurance (OnePack or WeCare) and we thank you for your trust!

From now on, the names MGEN Portugal / Vyv IB for the insurer and PROTEGAT Cover for the administration will frequently appear in our commmunications. However, you will remain in contact with your broker for the ongoing management of your contract.

Below you will find the next steps in the life of your contract. This information clearly provides you with a good overview, preventing you from getting lost in the procedures, for example. Finally, you will know how your expatriate medical insurance will be managed upon its expiry.

Underwritting Departement

Your Application Form is submitted to the Underwritting Dept (PROTEGAT Cover). PROTEGAT Cover then verifies the administrative aspects. Specifically, have all the fields on the forms been completed? Have all the required documents been submitted? At the same time, PROTEGAT Cover forwards the medical questionnaire(s) to the Medical Avisor. This Medical Avisor is responsable for analyzing the medical information.

In general, the following three outcomes are possible:

the standard terms and conditions of the expatriate medical insurance apply,
Special Conditions are offered. These take into account a specific medical situation. This may involve an exclusion or a surcharge. Ultimately, a “Special Conditions” document must be signed to agree to continue the application,
your application is rejected. The answers provided on the medical questionnaire of the expatriate medical insurance do not allow you to proceed. Please note that the Underwritting Dept is not required to justify its decisions.

The Special Conditions can be reviewed at each contract renewal date. If the medical situation has changed, the insured must submit a request for a review a few weeks before the renawal date and provide recent medical reports detailing the evolution of the condition in question and the current medical situation.

Invoice and activation of your expatriate medical insurance

IPT (insurance premium tax)

The insurance premium is the amount the insurer has available to pay claims and fees. In some countries, taxes must be added to this premium. These taxes are listed on the invoice of your expatriate medical insurance. In pratice, the Insurer collects the taxes and then remits them to the government to ensure your compliance. Finally, these taxes are subject to change based on regulation.

Frequency of payment

The frequency of payment is mentioned on your invoice. PROTEGAT Cover will send you a payment schedule valid for 12 months if you opted for direct debit. For payment by credit card or bank transfer, PROTEGAT Cover will send you an email containing the premium notice 10 days before each due date. Finally, please ensure your contact details are up to date to recieve these emails.

Implementation

At the implementation of your expatriate medical insurance, you must pay a premium corresponding to a quarter, even if you have chosen monthly payments. The contract will be activated after payment of this frst quaterly premium. If you have chosen to pay by bank transfer, your invoice includes PROTEGAT Cover’s bank details. After receipt and allocation of funds, your contract will be activated. In the event of a bank rejection, PROTEGAT Cover will contact you.

Welcome Pack of your expatriate medical insurance

Provided the first payment has been made, the Welcome Pack confirm the activation of your expatriate medical insurance. From this point on, you can log in to PROTEGAT Cover’s claims administration services. Finally, if you require a paid invoice, please request it directly from PROTEGAT Cover.

Cancellation period

Your contract is governed by French law. Therefore, you have a cancellation period in case of distance selling.

⇒ Cancellation in case of distance selling

Documentation of your expatriate medical insurance

The Welcome Pack will be sent to you by email. It includes:

Expatriate medical insurance – Notices of information

The Notices of Information are the contractual extracts intented for insureds. Two notices are available since two insurers are involved in your package: Vyv IB and Generali IARD.

Expatriate medical insurance – Member Guide

This Guide summarizes the practical aspects of the administration with PROTEGAT Cover. In short, it helps you:

with your reimbursement procedures,
find the contact information of your claims adminitrator, and discover all services available in your Member’s area: protegatcover.com.

⇒ Member Guide – Indigo Expat

Expatriate medical insurance – Membership Card

Your insurance membership card contains essential information. Therefore, print it out and make sure you always have it with you. It can be useful for identification in case of emergency admission to a hospital, as it allows healthcare professionals to contact the claims administrators. As a result, you can benefit from this 24/7 coverage and direct billing service with the hospital.

Expatriate medical insurance – Member’s Area

First, your Member’s Area is available in 2 languages: French and English. Second, you can access it on PROTEGAT Cover’s website: protegatcover.com

It constains information about your contract, including your reimbursement request and statements. Finally, feel free to check it regularly.

Expatriate medical insurance – Client Services

Using your personal data and login details, you can contact PROTEGAT Cover. This allows you to access services you have subscribed to. Please note that you can communicate in several languages, including French and English.

Claims administration center

Address: Carrer de Sepúlveda, 143, Ático 3A, Eixample, 08011 Barcelona, Spain ;

Tel :+34 936 28 29 37 (also available with whatsapp) ;

Email: claims@protegatcover.com

The claims administration center answers all your questions, including those concerning your expatriate medical insurance, reimbursements and benefits. Furthermore, PROTEGAT Cover will assist you with any necessary procedures.

Request for reimbursement and hospitalisation

Generally, you pay your medical expenses upfront. Then you claim to PROTEGAT Cover. The online request simplifies the process. It is available for any expense under €1,000. For expenses over €1,000, you must send original documents by mail to PROTEGAT Cover. Note: keep a copy in case you mail gets lost.

Hospitalisations

Hospitalisations, like other benefits, are subject to prior approval. PROTEGAT Cover generally arranges direct billing with the hospital. To this end, you must submit a cost estimate and a medical report at least 15 days before the scheduled treatment date. You can submit your request by email to claims@protegatcover.com. Remember to attach the required documents. PROTEGAT Cover will make the necessary arragements with the hospital and confirm direct settlement within 72 hours.

PROTEGAT Pay

Some expenses can be costly. For example, out patient surgerey and external care (MRI, CT scan, etc.) can cost over €400 per procedure. Upon request, PROTEGAT Cover can set up a digital credit card. This digital credit card is easy to use and eliminates for you the need to pay upfront.

Medical emergencies

Go directly to the hospital. Present your insurance card at the admissions desk and ask them to contact PROTEGAT Cover as soon as possible, but no later than 72 hours after your admission. PROTEGAT Cover will immediately issue our precertification agreement and follow up the case.

Expatriate medical insurance – Maternity

First, this means you have subscribed to the maternity option. Before the end of the 3rd month, contact PROTEGAT Cover to announce your pregnancy and inform them of your expected due date.

Two months before the expected date of delivery, fill out your precertification request. You can send your request by email to claims@protegatcover.com.

Assistance and repatriation

Any assistance must be requested directly by the Member (or by any person acting on their behalf) using either of the means specified hereafter or risk being inadmissible.

VYV International Assistance:

Telephone from France: 05 86 85 00 59 ;
Telephone from any other country: +33 5 86 85 00 59 ;
Email: ops@vyv-ia.com

Renewal of your expatriate medical insurance

You will recieve your new conditions approx. 2 months before renewal date by your Moncey Assurances’ contact.

Conditions depend on product review, technical results (incl. loss ratio between premiums and claims), medical inflation…. For more information on medical inflation, please read our dedicated web page.

⇒ Renewal conditions of your international health cover and medical inflation

Cancellation of your expatriate medical insurance

As indicated in the Notice of Information, your policy is automaticcaly renewed every year, according to the French regulation. You have the opportunity to cancel it by sending a register letter at least 2 months before renewal date. Cancellation is effective at renewal date.

⇒ Example of cancellation letter

Designation of beneficiairy in case of accidental death

You can decide to designate specific beneficiary(ies). Then, you do not follow the standard clause in the contract. To do this, you should complete the following form and send it to your Broker. He will keep a copy and forward the document to the Insurer.

⇒ Designation of beneficiairy

Expatriate medical insurance – your Contacts

Who should you contact regarding your expatriate medical insurance? The roles are organized as follows:

Sales aspects: Moncey’s Advisor ; Moncey Assurances remains on your sides to manage your contract, to add/delete dependents, modify your benefits at renewal, review your expatriate medical insurance if your situation change, etc., in case you face any difficulty,
Claims administration and hospitalisation: PROTEGAT Cover
Invoicing: PROTEGAT Cover

Expatriate medical insurance and local regulation

Please note that subscribing to an expatriate medical insurance does not free you from the local regulations. If you are eligible to contribute to a local healthcare system, make sure that you are compliant. Otherwise, you may be subject to paying a tax levy.

Implementation of your expatriate medical insurance Indigo Expat