APRIL International health insurance: MyHealth International plans, cost and claims
A source-based guide to APRIL International's long-term cover for people living abroad, from Explore to Elite: the plans, what sets the price, how to claim, and the pros and cons.
MyHealth International is positioned for expatriates, international assignees, families, retirees, digital nomads and freelancers seeking long-term international medical cover. It is not a guide to APRIL's separate Thailand, UAE or Singapore products.
Plan comparison
| Plan | Overall annual limit | Published structure |
|---|---|---|
| Explore | €/$500,000 | Hospitalisation, cancer and evacuation; optional outpatient/pharmacy, dental and other benefits. |
| Essential | €/$1,500,000 | Higher core limit; optional outpatient; check-up, dental and optical limits are published. |
| Extensive | From €/$2,000,000 to unlimited | Enhanced optional outpatient, plus higher dental, optical and maternity limits. |
| Elite | From €/$4,000,000 to unlimited | Highest published tier; hospitalisation, cancer, evacuation and medical imaging shown at 100%. |
The currency, ceiling and benefits applicable to an applicant are defined in APRIL's current Details of Benefits. “100%” benefits remain subject to the policy terms and overall limit.
Benefits and options
All four published levels include hospitalisation, cancer treatment and medical evacuation/repatriation. Outpatient cover is optional and increases by tier. Dental and optical are generally packaged together, except on Explore. APRIL states that maternity can only be selected with outpatient cover. Deductibles and detailed benefit limits vary by chosen configuration; consult the live benefit document rather than transferring figures between markets.
Geographic scope and temporary travel
The application lets the customer select covered countries, including their country of nationality. Outside the chosen area, APRIL covers accidents and medical emergencies during stays of up to 60 consecutive days, except in excluded countries; for a longer stay outside the area it asks to be told so the area and premium can be adjusted (APRIL MyHealth International page, product information document updated June 2026 and Terms and Conditions ref. NMHI26, checked 17 Oct 2026). The chosen area and excluded-country rules must be confirmed in the issued documents.
How much does APRIL MyHealth International cost?
APRIL prices by quote; we found no published premium on its MyHealth International page (APRIL's MyHealth International page, checked 17 Oct 2026). From APRIL's benefits schedule and product information document, as read for our feature matrix on 15 October 2026, the price is set by:
- Plan level: Explore, Essential, Extensive or Elite.
- Covered countries: the coverage zone follows your declared country of residence and can be extended worldwide.
- Deductible: none by default; optional annual deductible of €/US$500, 1,000, 2,500 or 5,000 (5,000 on Extensive and Elite only), or an outpatient co-payment of 10, 20 or 30%.
- Options: outpatient, dental and optical, and maternity (with outpatient).
- Your age and the health questionnaire.
For scale, and not this insurer's own price: on 27 July 2026 IPMIcompare priced one profile (a healthy 40-year-old, inpatient only, worldwide excluding the USA) across 17 international insurers in eight countries, and annual premiums ran from $1,783 to $9,989, with a median around $4,300 (international health insurance cost data). That page publishes market ranges, not a named insurer's premium.
How to claim with APRIL International
From APRIL's MyHealth International page and APRIL's direct billing FAQ (both checked 17 Oct 2026):
- Claims app: APRIL handles policy procedures through its Easy Claim app, where you submit, track and update reimbursement requests.
- Hospital bills: APRIL describes direct payment of hospital bills, so eligible members do not pay upfront.
- Easy Pay Card: for expensive care where direct billing is not available, APRIL offers a virtual payment card preloaded for approved treatment, so you do not pay personally and claim back.
- In the USA: members with third-party payment in the USA can use Aetna and Caremark network doctors and hospitals through APRIL's partner Global Excel, presenting the direct billing card that Global Excel emails within a month of the policy starting.
- Unlimited telehealth consultations and 24/7 multilingual assistance are included.
- APRIL publishes access to more than two million partner healthcare professionals; this is APRIL's own network statement, not an independently audited count or a list of hospital partnerships.
Your General Terms & Conditions set the pre-authorisation rules and claim deadlines that apply to your contract.
APRIL MyHealth International pros and cons
Drawn from the facts on this page and from APRIL's documents as summarised in our feature matrix. A summary of published terms, not a rating.
| Pros | Cons and watch-outs |
|---|---|
| Highest adviser rating among the providers in the Health & Protection IPMI Service Ratings 2026: overall 86.4, claims handling 87.5 (an adviser survey, not an insurer document). | Pre-existing conditions declared and excluded at application are not covered, including their consequences. |
| Hospitalisation, cancer treatment and evacuation on every level; oncology and evacuation at 100%. | Inpatient psychiatric care is not covered on Explore and Essential. |
| 12-month maternity wait, the shortest in our matrix (with Cigna and Allianz), waived with proof of equivalent prior cover that ended less than a month before. | Maternity only with the outpatient option, on Essential, Extensive and Elite. |
| No deductible by default, and you choose the countries you are covered in. | Limits for China, Hong Kong, Japan, Singapore and the USA are capped on Extensive and Elite, even where cover elsewhere is unlimited. |
Application, underwriting and limitations
Applicants complete a health questionnaire. APRIL says pre-existing conditions are not systematically covered, so the individual terms offered after medical review are decisive. The product's exclusions, deductibles, pre-authorisation rules and detailed eligibility are in the General Terms & Conditions, product information sheet and Details of Benefits linked from the official product page.
Compare how APRIL underwrites pre-existing conditions with seven other insurers: moratorium, CPME, age limits and high blood pressure, from each insurer's own documents.
Official source
APRIL International — MyHealth International (including links to the brochure, Details of Benefits, General Terms & Conditions, product information sheet and provider list).
Living in Singapore? APRIL also sells a Singapore-specific plan: APRIL MyHEALTH Singapore health insurance. In Thailand, see APRIL MyHEALTH Thailand; in the UAE, APRIL MyHEALTH UAE. To compare MyHealth International with Cigna, Bupa, Allianz, AXA and IMG on 14 terms, use the international health insurance feature matrix.
Frequently asked questions
Is APRIL International an insurance company?
What are the APRIL MyHealth International plans?
How much does APRIL International health insurance cost?
How do I make a claim with APRIL International?
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General information only. No named hospital partnership or average claim/pre-authorisation approval time is asserted.