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overview of Indigo Expat’s benefits

Overview of Indigo Expat’s benefits

Indigo Expat CFE’s policy proposes the following benefits:

– core plan: hospitalisation and emergency treatments,

– out-patient plan (including vision care),

– dental plan,

– optional plans: (1) maternity plan, (2) assistance and repatriation plan, (3) deductible on out patient benefits

 

The bundled plan includes the core plan, the out-patient plan (choice of three) and the dental plan. 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 CFE 80%

This level of coverage is suitable for those who accept a coinsurance* of 20% on out-patient benefits. 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 CFE 90%

This level of coverage is suitable for those who accept a coinsurance* of 10% on out-patient benefits. 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 CFE 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 note that subscribing to an international health insurance does not free you from local regulations