ACS – Travel & Expatriate Insurance Solutions
ACS Intl is dedicated to international mobility for more than 40 years, ACS designs insurance plans. ACS’s journey begins in 1979 specialized in travelers insurance. In 1986, ACS steps into the international health insurance market, insuring foreign students . In 2005, ACS decided to widen their offer to people residing outside their home country. Today wih 40 years of experience and its more than 100 000 clients all over the world, ACS is à prominent player with affordable insurance package with reliable partners in re-insurance and specialists in claims, assistance and evacuation services.
ACS is registered at the Orias.fr, the independent association under surveillance of the France Treasury directorate; founded in 2007 to approve and register the Insurance and Financial institutions and intermediaries in accordance to the EU directive 2002.
Financial strength and guarantee is provided to all plans underwritten by :
- Allianz, international insurance company working with 140 000 employees and covering 86.3 million clients in more than 70 countries.
- Axa, French international group, AXA is today the first global insurance brand, with more than 166 000 employees all over the world and representations in more than 63 countries.
Both are regulated by the French Insurance Regulatory Commission (ACPR – Paris)
Overall Insurance Rating
Both ACS and their re-insurers (Axa world #1 and Allianz world #3) are strongly regulated in France for client protection and deposit guarantees.
With a history of travel student then extended to young expats in Asia, ACS has à long experience of basic benefits for cheaper value competitive to the market prices.
ACS health or travel products offer 2 or 3 choices of benefits with all family members in the same level of cover. Products have stayed the same over the past 5-to-10 years.
Pricing is competitive or below the market to pay for the base protection Expat and travelers needs.
ACS uses third party claims and assistance providers, very specialized for Asia or the regions the products are destined to, namely :
- Axa assistance for medical evacuation
- MAI Medical Administrators Intl or EuroCenter specialists in claims
Ideal Client Profile
ACS, is ideal for international individuals and families with need for basic or comprehensive cover. They dont offer too many costly options. They cater for French clients with cheap complementaires to CFE.