AOC Insurance Broker is proud to show you www.aoc-expatcare.com our extranet to compare the market of medical insurance for expatriates. The AOC team uses this extranet to make comparisons and recommendations for our clients with a rating survey per insurance companies. AOC Expat Care is an innovant online quotation tool with a database of 30 insurance companies. Find out how it works?
]]>AOC Insurance Broker is proud to show you www.aoc-expatcare.com our extranet to compare the market of medical insurance for expatriates. The AOC team uses this extranet to make comparisons and recommendations for our clients with a rating survey per insurance companies. AOC Expat Care is an innovant online quotation tool with a database of 30 insurance companies. Find out how it works?
]]>Except from Police order 777/2551.
2.25 In the case of medical treatment or convalescence or to look after a patient:
Permission will be granted for a period of not more than 90 days at a time.
(1) Confirmation and request have been made by a physician responsible for the treatment. The Physician must describe the details of treatment and advised that the illness is a barrier for travelling.
(2) In the case of looking after a patient, confirmation and request have been made by the physician responsible for the treatment or by an embassy or consulate.
(3) Patient Carer, except parents, spouse, children, adopted children or children of the spouse, shall be granted no more than 1 extra person.
More info
For more practical information, read this story concerning hospitalization practices in Pattaya.
We also advise you to visit THAILAND MEDICAL TOURISM website.
]]>Except from Police order 777/2551.
2.25 In the case of medical treatment or convalescence or to look after a patient:
Permission will be granted for a period of not more than 90 days at a time.
(1) Confirmation and request have been made by a physician responsible for the treatment. The Physician must describe the details of treatment and advised that the illness is a barrier for travelling.
(2) In the case of looking after a patient, confirmation and request have been made by the physician responsible for the treatment or by an embassy or consulate.
(3) Patient Carer, except parents, spouse, children, adopted children or children of the spouse, shall be granted no more than 1 extra person.
More info
For more practical information, read this story concerning hospitalization practices in Pattaya.
We also advise you to visit THAILAND MEDICAL TOURISM website.
]]>A recent survey points out that 54% of the 2500 people interviewed ignore that they have to have the EHIC to access state medical hospitals when they travel abroad. The ABTA (the UK’s leading travel association) adds that it is important to have the EHIC because in case of an accident in foreign countries it allows you access to state healthcare in Europe. They were precise that the EHIC only allows basic state care. The Association of British Insurers worries about the misunderstanding of consumers. The EHIC does not substitute medical or travel insurance. For example, the card does not cover for lost baggage, travel assistance or medical-related items like repatriation by plane or helicopter. Also, foreign medical state care is sometimes very far from standards people are used to.
The ABI (Association of British Insurers) says that it is absolutely not a substitute for travel insurance. The IPMI assert it is very important to get the appropriate health insurance before travelling abroad. If you travel to Europe, make sure your EHIC is updated. Also inform about healthcare system and practices (opening schedules of pharmacies, phone number of an ambulance, where are doctors, etc).
The ABTA gives the case of a pregnant woman on vacation in Spain. She gave birth prematurely. She had good medical care thanks to the EHIC but she could not fly back home because she did not have medical insurance to cover the repatriation cost for her and the baby.
The IPMI add that the world in 2013 is home to an array of new risks for tourists, as civil unrest, political instability and economic crisis. The magazine underscores that compulsory travel and medical insurance is the solution. Just like motor insurance, health insurance should be mandatory for everybody travelling abroad.
Abu Dhabi first proposed mandatory health insurance in 2005. Now employers have to provide their employees and families with health insurance. In Dubai, mandatory medical insurance should be finalised in 2013. The Dubai Health Authority is closely working with health insurance providers to steady transition. It will take 3 years for the system to be fully concluded.
A recent survey points out that 54% of the 2500 people interviewed ignore that they have to have the EHIC to access state medical hospitals when they travel abroad. The ABTA (the UK’s leading travel association) adds that it is important to have the EHIC because in case of an accident in foreign countries it allows you access to state healthcare in Europe. They were precise that the EHIC only allows basic state care. The Association of British Insurers worries about the misunderstanding of consumers. The EHIC does not substitute medical or travel insurance. For example, the card does not cover for lost baggage, travel assistance or medical-related items like repatriation by plane or helicopter. Also, foreign medical state care is sometimes very far from standards people are used to.
The ABI (Association of British Insurers) says that it is absolutely not a substitute for travel insurance. The IPMI assert it is very important to get the appropriate health insurance before travelling abroad. If you travel to Europe, make sure your EHIC is updated. Also inform about healthcare system and practices (opening schedules of pharmacies, phone number of an ambulance, where are doctors, etc).
The ABTA gives the case of a pregnant woman on vacation in Spain. She gave birth prematurely. She had good medical care thanks to the EHIC but she could not fly back home because she did not have medical insurance to cover the repatriation cost for her and the baby.
The IPMI add that the world in 2013 is home to an array of new risks for tourists, as civil unrest, political instability and economic crisis. The magazine underscores that compulsory travel and medical insurance is the solution. Just like motor insurance, health insurance should be mandatory for everybody travelling abroad.
Abu Dhabi first proposed mandatory health insurance in 2005. Now employers have to provide their employees and families with health insurance. In Dubai, mandatory medical insurance should be finalised in 2013. The Dubai Health Authority is closely working with health insurance providers to steady transition. It will take 3 years for the system to be fully concluded.
Who is Mr.Olivier LE FAOUDER?
Olivier is a certified European insurance broker and the managing director of AOC Insurance Broker, a leading private health insurance broker with offices in Europe and Asia.
More about AOC Insurance Broker
AOC Insurance Broker help and advices expatriates (individuals/families & corporate) and travelers abroad for their health insurance needs.
AOC Insurance Broker advises, bring its expertise and create health insurance plans for international and regional providers.
AOC Insurance Broker compare the best private and international health insurance with 30 Insurance companies.
AOC Insurance Broker is a member of United Global Brokers
You can read the whole IPMI article if you click here.
]]>
Who is Mr.Olivier LE FAOUDER?
Olivier is a certified European insurance broker and the managing director of AOC Insurance Broker, a leading private health insurance broker with offices in Europe and Asia.
More about AOC Insurance Broker
AOC Insurance Broker help and advices expatriates (individuals/families & corporate) and travelers abroad for their health insurance needs.
AOC Insurance Broker advises, bring its expertise and create health insurance plans for international and regional providers.
AOC Insurance Broker compare the best private and international health insurance with 30 Insurance companies.
AOC Insurance Broker is a member of United Global Brokers
You can read the whole IPMI article if you click here.
]]>AOC Insurance Broker provides you with a comparison and a call for tenders from 30 international insurance companies. We always negotiate the best solutions and conditions for our clients. Our group health insurance plans provide safety and choice for your employees living outside their home country.
If you choose our Group Health Plan, you will also have access to the following high-quality services:
+ A wide range of flexible international healthcare insurance products
+ Access to a 24 hours multilingual helpline for your employees
+ Easy online administration of your plan.
+ Disregard previous medical history (MHD)
+ Effective, proven cost containment processes
+ Multi-cultural staff with AOC and our partners
+ Claims process in 2 to 5 working days
+ In-house and a regionally based team of medical experts providing a second medical opinion for our client
+ Built a plan to fit the exact medical insurance needs of your business
+ Sophisticated range of online services for group scheme Manager’s & Members
+ Members can select the medical provider of their choice.
+ Direct billing settlement network of medical providers.
AOC Insurance Broker- GET BETTER, GET HEALTHIER
]]>AOC Insurance Broker provides you with a comparison and a call for tenders from 30 international insurance companies. We always negotiate the best solutions and conditions for our clients. Our group health insurance plans provide safety and choice for your employees living outside their home country.
If you choose our Group Health Plan, you will also have access to the following high-quality services:
+ A wide range of flexible international healthcare insurance products
+ Access to a 24 hours multilingual helpline for your employees
+ Easy online administration of your plan.
+ Disregard previous medical history (MHD)
+ Effective, proven cost containment processes
+ Multi-cultural staff with AOC and our partners
+ Claims process in 2 to 5 working days
+ In-house and a regionally based team of medical experts providing a second medical opinion for our client
+ Built a plan to fit the exact medical insurance needs of your business
+ Sophisticated range of online services for group scheme Manager’s & Members
+ Members can select the medical provider of their choice.
+ Direct billing settlement network of medical providers.
AOC Insurance Broker- GET BETTER, GET HEALTHIER
]]>This should be set out in detail - not just the country but also the location of the offices and geographical area that the expat activities will cover. Will they be expected to travel to other countries in the course of this assignment? If so, how often and what is the likely duration of such trips?
Duration of assignment
Whether the expatriate is unaccompanied or relocating with their family, a firm idea of the contract period, the duration of the assignment must be specified. If this is to be determined by the completion of a specified objective, an estimated duration will need to be given. The contract should also specify whether there is a trial period and, if so, how long that period lasts and how it is evaluated.
The job function
The contract should specify exactly what the employee’s duties are and give details of all responsibilities and the goals they will be expected to achieve. If there will be subordinate employees for whom the expatriate will be responsible, this should also be detailed.
Salary
The contract must specify the gross annual salary, any likely or possible bonuses and the salary structure in terms of increases. On what factors are any increases based? Is there a corporate policy of annual salary increases for all employees or are this performance-based only? If performance-based, the employee might want to know who will be making the decision, will it be their immediate superior or a financial officer back at HQ?
Housing and interim living allowance
The contract must give precise details of what the relocation package includes. The type of housing to be provided must be specified and how long the employee will be expected to spend in short-term housing. Who will be responsible for finding the accommodation, the employee/student or the company/university? If the destination country is not too far, a home search trip should be included in the contract. Will the cost of short-term housing be paid directly by the company or will the employee pay it from the interim living allowance? How much will the interim living allowance be and how long a period does it cover?
Transportation
Is a company car provided for the duration of the assignment? If so, details should be included in the contract. Is there a company carpool or will the employee be allocated a vehicle for their use? Will this also include personal use? If the vehicle breaks down for any reason, will there be a substitute available or will a hired vehicle be necessary? If so, who pays? Who has financial responsibility for routine maintenance or for any mechanical problems that the vehicle may develop?
Tuition fees
Many companies provide assistance with tuition fees for expatriate families, as international schools are expensive. The contract should include details of whether this assistance is partial or total reimbursement of fees.
Annual leave and home visits
The amount of annual leave must be detailed and how many paid home visits for the employee and family are included during the assignment. How long must a period be spent in the destination country before qualifying for a paid home visit? Are the airline's tickets provided for all the accompanying family or will the employee be expected to contribute towards part of the cost? What national holidays do the company and employees in the destination country observe?
Insurance
What provision will be made for the employee’s pension and protection in the case of unemployment? What contribution is expected from the employee? What health insurance is provided and will it also cover accompanying family members? Is the employee required to contribute towards health insurance for their family and, if so, how much?
Taxes
Will the employee be a fiscal resident of the host country? Will the various allowances and payments are ''grossed-up'' by the company to cover tax or will the employee be paying the tax? Some benefits (i.e. car, housing, etc.) may be considered as taxable income.
Moving costs
The contract must include details of the reimbursement of moving-in costs; the authorized amount for the removal package both outbound and inbound. Will the employee be expected to pay for insurance covering transportation of goods and personal effects? Will any documentation be required for the importation of goods into the destination country? Is it the employee’s responsibility to obtain any such documentation or will the company undertake the task?
What if relocation goes wrong?
Nobody wants to contemplate such a costly exercise going wrong, but relocations are not always successful. It is only sensible to have details of what constitutes a breach of the contract included in the contract itself. Clarification should be given as to what are acceptable reasons for any such breach and what are the likely repercussions or penalties. The applicable legislation pertaining to the contract and the courts with jurisdiction for determining any conflict should also be detailed.
In case relocation goes well...
Supposing all goes to plan and the employee and family wish to stay on. Is the contract renewable - and under what terms? At what stage can renewal be decided and will the terms remain the same?
Email: contact@aoc-insurancebroker.com
This should be set out in detail - not just the country but also the location of the offices and geographical area that the expat activities will cover. Will they be expected to travel to other countries in the course of this assignment? If so, how often and what is the likely duration of such trips?
Duration of assignment
Whether the expatriate is unaccompanied or relocating with their family, a firm idea of the contract period, the duration of the assignment must be specified. If this is to be determined by the completion of a specified objective, an estimated duration will need to be given. The contract should also specify whether there is a trial period and, if so, how long that period lasts and how it is evaluated.
The job function
The contract should specify exactly what the employee’s duties are and give details of all responsibilities and the goals they will be expected to achieve. If there will be subordinate employees for whom the expatriate will be responsible, this should also be detailed.
Salary
The contract must specify the gross annual salary, any likely or possible bonuses and the salary structure in terms of increases. On what factors are any increases based? Is there a corporate policy of annual salary increases for all employees or are this performance-based only? If performance-based, the employee might want to know who will be making the decision, will it be their immediate superior or a financial officer back at HQ?
Housing and interim living allowance
The contract must give precise details of what the relocation package includes. The type of housing to be provided must be specified and how long the employee will be expected to spend in short-term housing. Who will be responsible for finding the accommodation, the employee/student or the company/university? If the destination country is not too far, a home search trip should be included in the contract. Will the cost of short-term housing be paid directly by the company or will the employee pay it from the interim living allowance? How much will the interim living allowance be and how long a period does it cover?
Transportation
Is a company car provided for the duration of the assignment? If so, details should be included in the contract. Is there a company carpool or will the employee be allocated a vehicle for their use? Will this also include personal use? If the vehicle breaks down for any reason, will there be a substitute available or will a hired vehicle be necessary? If so, who pays? Who has financial responsibility for routine maintenance or for any mechanical problems that the vehicle may develop?
Tuition fees
Many companies provide assistance with tuition fees for expatriate families, as international schools are expensive. The contract should include details of whether this assistance is partial or total reimbursement of fees.
Annual leave and home visits
The amount of annual leave must be detailed and how many paid home visits for the employee and family are included during the assignment. How long must a period be spent in the destination country before qualifying for a paid home visit? Are the airline's tickets provided for all the accompanying family or will the employee be expected to contribute towards part of the cost? What national holidays do the company and employees in the destination country observe?
Insurance
What provision will be made for the employee’s pension and protection in the case of unemployment? What contribution is expected from the employee? What health insurance is provided and will it also cover accompanying family members? Is the employee required to contribute towards health insurance for their family and, if so, how much?
Taxes
Will the employee be a fiscal resident of the host country? Will the various allowances and payments are ''grossed-up'' by the company to cover tax or will the employee be paying the tax? Some benefits (i.e. car, housing, etc.) may be considered as taxable income.
Moving costs
The contract must include details of the reimbursement of moving-in costs; the authorized amount for the removal package both outbound and inbound. Will the employee be expected to pay for insurance covering transportation of goods and personal effects? Will any documentation be required for the importation of goods into the destination country? Is it the employee’s responsibility to obtain any such documentation or will the company undertake the task?
What if relocation goes wrong?
Nobody wants to contemplate such a costly exercise going wrong, but relocations are not always successful. It is only sensible to have details of what constitutes a breach of the contract included in the contract itself. Clarification should be given as to what are acceptable reasons for any such breach and what are the likely repercussions or penalties. The applicable legislation pertaining to the contract and the courts with jurisdiction for determining any conflict should also be detailed.
In case relocation goes well...
Supposing all goes to plan and the employee and family wish to stay on. Is the contract renewable - and under what terms? At what stage can renewal be decided and will the terms remain the same?
Email: contact@aoc-insurancebroker.com
+ International in-patient and out-patient expenses, free choice of medical care providers with direct billing
+ Cover up to $1,000,000 per year of insurance
+ Guaranteed lifetime renewal of your policy
+ Geographical mobility in Asia ( Expat plan for residents of Thailand - Laos - Vietnam - Japan- India- Indonesia - Cambodia - Malaysia - Philippines and also in Singapore - China - Taiwan - Hong-Kong) and emergency around the world: The insurance policy will remain effective even if your plans make you change your country of residence. All medical conditions remain continuously covered and administrative arrangements are more convenient
+ Dental care is an option in our core plan
+ Coverage of emergency medical evacuation and repatriation,
+ Flexibility in terms of deductibles (with or without)
+ Several ways in which the monthly payments can be made to a majority of companies in order to better manage your health budget.
AOC Insurance- GET BETTER, GET HEALTHIER
]]>+ International in-patient and out-patient expenses, free choice of medical care providers with direct billing
+ Cover up to $1,000,000 per year of insurance
+ Guaranteed lifetime renewal of your policy
+ Geographical mobility in Asia ( Expat plan for residents of Thailand - Laos - Vietnam - Japan- India- Indonesia - Cambodia - Malaysia - Philippines and also in Singapore - China - Taiwan - Hong-Kong) and emergency around the world: The insurance policy will remain effective even if your plans make you change your country of residence. All medical conditions remain continuously covered and administrative arrangements are more convenient
+ Dental care is an option in our core plan
+ Coverage of emergency medical evacuation and repatriation,
+ Flexibility in terms of deductibles (with or without)
+ Several ways in which the monthly payments can be made to a majority of companies in order to better manage your health budget.
AOC Insurance- GET BETTER, GET HEALTHIER
]]>d’effectuer un stage lié aux études,
de se perfectionner et d’apprendre,
d’obtenir un travail l’été en tant qu’étudiant,
Quelles sont les différentes catégories éligibles aux jeunes expat français dans le programme Canada/France ?
- JEUNES PROFESSIONNEL pour l’apprentissage et le perfectionnement de ces connaissances et compétences dans le cadre d’un contrat a durée déterminé de 18 mois max.
- STAGIAIRES dans le cadre de ses études pour une durée de 12 max
- JOB ESTIVAL pendant une période 3 mois max
- PVT – WORKING HOLIDAY VISA pour échanger culturellement, voyager et travailler pendant 12 mois max
Infos Pratiques :
Sites Internet : Gouvernement du Canada (Programme EIC)
Le Texte de l’accord de mobilité EIC France Canada
Quelle est la réponse assurance pour ces jeunes expat pour le Canada?
L’ASSURANCE EXPAT AOC WORKING HOLIDAY ETUDIANT garanti par Groupama Mutuaide Assistance rempli totalement ces critères pour l’obtention du visa.
Nous garantissons les Séjour de 12 mois renouvelable en ligne ayant pour objectif (Cf page 2 des conditions générales) :
Les jeunes en convention de stage dans le cadre de leur étude (y compris pour les apprentis),
La formation professionnelle continue à l’étranger,
d’effectuer un stage lié aux études,
de se perfectionner et d’apprendre,
d’obtenir un travail l’été en tant qu’étudiant,
Quelles sont les différentes catégories éligibles aux jeunes expat français dans le programme Canada/France ?
- JEUNES PROFESSIONNEL pour l’apprentissage et le perfectionnement de ces connaissances et compétences dans le cadre d’un contrat a durée déterminé de 18 mois max.
- STAGIAIRES dans le cadre de ses études pour une durée de 12 max
- JOB ESTIVAL pendant une période 3 mois max
- PVT – WORKING HOLIDAY VISA pour échanger culturellement, voyager et travailler pendant 12 mois max
Infos Pratiques :
Sites Internet : Gouvernement du Canada (Programme EIC)
Le Texte de l’accord de mobilité EIC France Canada
Quelle est la réponse assurance pour ces jeunes expat pour le Canada?
L’ASSURANCE EXPAT AOC WORKING HOLIDAY ETUDIANT garanti par Groupama Mutuaide Assistance rempli totalement ces critères pour l’obtention du visa.
Nous garantissons les Séjour de 12 mois renouvelable en ligne ayant pour objectif (Cf page 2 des conditions générales) :
Les jeunes en convention de stage dans le cadre de leur étude (y compris pour les apprentis),
La formation professionnelle continue à l’étranger,
Cette épargne dans ce statut juridique est disponible à tous moments sous forme de rachats partiels et ou d’avance.
En préambule, l’intérêt pour un expatrié de souscrire une assurance-vie est française est bien moins intéressante que de l’effectuer chez son voisin au Luxembourg, voire nulle et nous examinons ici un expatrié souscrivant une assurance-vie en dehors du territoire français.
Il n’existe pas de retenue à la source au Luxembourg, que ce soit en cas de rachat partiel, plus-value etc…
Une éxonération des prélèvements sociaux (CSG, CRDS etc…)
Les personnes physiques non fiscalement domiciliés en France et ayant le statut de non résident ne sont pas assujetties aux prélèvements sociaux.
La notion de domicile fiscal impose pour l’expatriés non résident à ne pas tirer de revenus de quelques sortes et ou de son patrimoine de France.
NB : En cas de retour dans son pays d’origine, la France, l’expatrié devra conserver la et ou les preuves de sa qualité de non résident (contrat de travail, feuille de paies, attestation fiscale du pays d’expatriation, justificatif de domicile, permis de travail etc…)
La comparaison effective des compagnies d’assurance-vie internationale Luxembourgeoise (Allianz, Foyer, La Baloise, Lombard, Zurich, Swiss Life etc…) après examen de votre profil et de vos attentes
Avec AOC Insurance Broker, c’est avant tout des conseils pertinents, un pool de services en relation directe avec les compagnies d’assurance-vie, la non détention des fonds des épargnants, des outils intéractifs en ligne pour un suivi efficient tout au long de la vie de votre contrat.
]]>
Cette épargne dans ce statut juridique est disponible à tous moments sous forme de rachats partiels et ou d’avance.
En préambule, l’intérêt pour un expatrié de souscrire une assurance-vie est française est bien moins intéressante que de l’effectuer chez son voisin au Luxembourg, voire nulle et nous examinons ici un expatrié souscrivant une assurance-vie en dehors du territoire français.
Il n’existe pas de retenue à la source au Luxembourg, que ce soit en cas de rachat partiel, plus-value etc…
Une éxonération des prélèvements sociaux (CSG, CRDS etc…)
Les personnes physiques non fiscalement domiciliés en France et ayant le statut de non résident ne sont pas assujetties aux prélèvements sociaux.
La notion de domicile fiscal impose pour l’expatriés non résident à ne pas tirer de revenus de quelques sortes et ou de son patrimoine de France.
NB : En cas de retour dans son pays d’origine, la France, l’expatrié devra conserver la et ou les preuves de sa qualité de non résident (contrat de travail, feuille de paies, attestation fiscale du pays d’expatriation, justificatif de domicile, permis de travail etc…)
La comparaison effective des compagnies d’assurance-vie internationale Luxembourgeoise (Allianz, Foyer, La Baloise, Lombard, Zurich, Swiss Life etc…) après examen de votre profil et de vos attentes
Avec AOC Insurance Broker, c’est avant tout des conseils pertinents, un pool de services en relation directe avec les compagnies d’assurance-vie, la non détention des fonds des épargnants, des outils intéractifs en ligne pour un suivi efficient tout au long de la vie de votre contrat.
]]>