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Whatever your health insurance needs, the OPALE health insurance contract should be able to meet your requirements with its three flexible cover options:

OPTION 1 - 100% COVER:
OPALE 100% reimburses all of your medical expenses (hospitalisation, everyday medical treatment, etc.) resulting from illness or accident at 100% of the French Social Security's conventional rate (200% for orthodontics, dentures and lenses for glasses).

FAMILY RATE: Premium of € 501.56 per month for an insured family group comprising 2 adults and 2 or more children of less than 21 years of age.


OPTION 2 - HOSPITALISATION COVER:
Cover for all hospitalisation expenses only further to an illness or accident at 100% of actual expenses (see summary of general conditions and table of benefits).


OPTION 3 - TOP-UP COVER with 2 optional levels of cover:
Designed for everyone, the top-up option provides for the reimbursement of the remainder of the cost of treatment (usually around 30%) after partial reimbursement by the French Social Security or other basic medical insurance scheme. It offers a supplementary reimbursement ranging from 100% up to 400% of the French Social Security's conventional rate depending on the level of cover chosen. No medical questionnaire






  • Direct settlement of hospitalisation expenses: payment made directly to the hospital or clinic for any stay


  • Direct settlement for pharmacy, radiology, out-patient treatment and laboratory tests


  • Direct settlement of medical expenses for people recognised as having a long-term illness for treatment linked to the illness in question


  • The majority of claims processed within one business day of receipt


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  • 'Premium waiver' cover in the event you are totally unable to work due to an illness or accident (options 1 & 2)


  • 'Premium reduction for students (options 1 & 3)


  • No premiums payable from the third child onwards (options 1 - 3)




    • The information contained in this website is a summary of cover; full details can be found in the tables of benefits and the general conditions of the contract.

    Amariz Limited is registered and incorporated in England and Wales with Company Number 3711064
    and is authorised and regulated by the Financial Services Authority.

    We are members of the Financial Services Compensation Scheme and
    the Financial Ombudsman Service.
    Designed by Team Partners