Also regarding the April International Policy (issued in France), I have two questions to those having studied the contract:
1. Is it really lifetime renewable?
The contract says in section 3. WHO IS COVERED UNDER THE PLAN?
To be covered by the insurance, You must:
On the Effective date of the plan, be:
> between the age of 16 and 64 for medical expenses, repatriation assistance and personal liability (private capacity) cover, if covered in zone 0, Thailand and Mexico,
Then under 4.4 f) when You no longer meet the conditions of insurance (see paragraph 3). Cancellation will take effect at the end of the current period and at the latest within 30 days of receipt of notification, subject to receipt of a supporting document;
The question is, what means "effective date"? The policy states: "EFFECTIVE DATE: date on which the plan starts. It is specified on the Membership certificate". What date is specified in the membership certificate: Is it the first date that I take out the insurance, or is it the annual renewal date? Because if it is the latter, April can terminate the contract after age 64.
2. The contract says they exclude "in the event of Hospitalisation or excessive unreasonable or unusual costs considering the country in which they were incurred". What is the insurance definition of "unreasonable or unusual cost"? For example, if I were to get treatment in a private hospital such as Bangkok Hospital, the cost would be higher than in a government hospital. Would the insurance deem this as unreasonable?
Many thanks for anyone who can provide clarity, it's much appreciated.