Indigo Expat’s benefits: overview
Indigo Expat’s policies propose the following benefits:
- in-patient,
- out-patient (including vision),
- dental,
- assistance and repatriation,
- individual accident,
- personal liability,
- option: maternity
The choice of the out patient’s level of coverage will probably depend on your country of expatriation, yours needs and your budget:
Indigo Expat OnePack or WeCare – oupatient benefits up to 80%
This level of coverage is suitable for those who accept a coinsurance* of 20% on out-patient. This level of coverage is generally selected by expatriates who do not use that much those benefits, who prioritize discount on premiums and/or who are expatriated in a country where medical expenses remain reasonable: Algeria, Gabon, Madagascar, Morocco, Tunisia…
Indigo Expat OnePack or WeCare – oupatient benefits up to 90%
This level of coverage is suitable for those who accept a coinsurance* of 10% on out-patient. This level of coverage is generally selected by expatriates who have a “normal” use of those benefits and/or who are expatriated in a country where medical expenses are moderate: Canada, Indonesia, Mauritius, New Zealand, Roumania, Thaïland, …
Indigo Expat OnePack or WeCare – oupatient benefits up to 100%
This level of coverage is suitable for those who need to be fully covered and who does not accept coinsurance* on out-patient benefits. This level of coverage is generally selected by expatriates who have a significant use of those benefits and/or who are expatriated in a country where medical expenses are expensive: Angola, China, Hong Kong, South Korea, Israel, Singapore…
* coinsurance means that the risk is shared between several Insurance Companies. At present, this means that the member accept to be not covered for part of the risk and to finance it directly. The balance is that premium is reduced accordingly. One can say that the member is self insured for the remaining 10 or 20%.
Please pay attention to the local regulation
Please note that subscribing to an international medical plan does not free you from local regulations. Our plans are not substitute for local mandatory insurances.