Insurance · Broker
ACS: a French broker-administrator placing expatriate health cover with MGEN Portugal, from the first euro or as a top-up to the CFE
French broker registered with ORIAS, which administers the ACS Expat contract on a delegated basis, insured by MGEN Portugal, from the first euro or as a top-up to the CFE. Subscription before an age limit; the United States is not eligible for expatriation.
Please note
Characteristics
- Type
- Broker
- Type
- Broker
- Risk carrier
- MGEN Portugal – Companhia de Seguros, S.A. (ACS Expat) ; groupe Allianz (ACS Asie Viager CFE, selon la brochure)
- Use
- Long-term expat health · CFE top-up · Travel and nomad
- French scheme
- Yes
- CFE top-up
- Yes
- Medical questionnaire
- Yes
- Covers
- Health · Hospital · Maternity · Dental and optical · Repatriation · Assistance
- Settlement
- Both
- Regulator
- ACPR
- Currencies
- EUR · USD
- Home country
- France
Reserved for expatriates living outside their country of usual residence for a minimum part of the year, who are members of the Globe Partner association. The United States is among the countries not eligible for expatriation; US nationals may be covered during returns to their home country within an annual limit, if they requested this at enrolment. The country of nationality may be included if it is selected; outside the coverage zone, only emergency care during short trips is covered.
Contracts and plans
Each plan is described from its contract documents. Compare plans in the same category: travel insurance does not replace expat health cover.
ACS Expat – Complément CFE
CFE top-up · Notice d’information, version 1 du 7 avril 2025
- Risk carrier
- MGEN Portugal – Companhia de Seguros, S.A.
- Distributor / administrator
- ACS (courtier, gestion administrative déléguée)
- United States
- Excluded
- Home country
- Partly
- Renewal
- Not verified
- Link with the CFE
- On top of the CFE
- Direct billing
- Partly
- Hospital : Yes
- Outpatient care : Yes
- Maternity : Yes
- Dental : Yes
- Optical : Yes
- Mental health : Partly
- Evacuation and repatriation : Yes
Who for : Members of the Globe Partner association below the age limit at enrolment, who are expatriates within the meaning of the policy notice; all beneficiaries must be affiliated with the CFE.
Pre-existing conditions : Health questionnaire for each beneficiary, validated by the medical adviser; pre-existing conditions are excluded unless declared at enrolment and accepted.
Limits : Overall annual ceiling and ceilings per module set out in an appended table, which we have not read; annual tacit renewal; waiting periods for dental care, psychiatric hospitalisation, optical care, orthodontics, maternity and medically assisted reproduction.
- less than 65 years ACS Expat: maximum age at enrolment (must be under)CFE supplementary cover notice, version dated 7 April 2025; same condition in the first-euro cover notice in English. Membership of the Globe Partner association is required.acs-ami.com · Verified on Nov 2, 2026
- from 6 months ACS Expat: minimum length of time living outside the country of habitual residence to be considered an expatriateContractual definition of an expatriate in the policy booklet; the English-language booklet also refers to the country of nationality.acs-ami.com · Verified on Nov 2, 2026
- up to 6 months ACS Expat: maximum coverage period for US nationals during returns to the United StatesThe United States is among the countries not eligible for expatriation; this exception must have been requested at the time of enrolment. Per insurance year.acs-ami.com · Verified on Nov 2, 2026
- from €500 ACS Expat: lowest optional deductible levelPer year and per insured person, for all modules except enhanced assistance; can be changed only once, at the renewal date.acs-ami.com · Verified on Nov 2, 2026
- up to €10,000 ACS Expat: highest optional deductible levelSame grid in the first-euro English-language policy notice (version dated 10 June 2024).acs-ami.com · Verified on Nov 2, 2026
- 12 months ACS Expat: maternity waiting periodWaiting periods do not apply if the insured person had equivalent coverage shortly before joining; other waiting periods apply to dental care, optical care, orthodontics and medically assisted reproduction.acs-ami.com · Verified on Nov 2, 2026
ACS Expat – Premier euro
Long-term expat health · Notice d’information en anglais, version 1 du 10 juin 2024
- Risk carrier
- MGEN Portugal – Companhia de Seguros, S.A.
- Distributor / administrator
- ACS (courtier, gestion administrative déléguée)
- United States
- Excluded
- Home country
- Partly
- Renewal
- Not verified
- Link with the CFE
- First-euro cover
- Direct billing
- Partly
- Hospital : Yes
- Outpatient care : Yes
- Maternity : Yes
- Dental : Yes
- Optical : Yes
- Mental health : Partly
- Evacuation and repatriation : Yes
Who for : Same age and expatriation conditions; no requirement to be affiliated with the CFE.
Pre-existing conditions : Health questionnaire for each beneficiary, validated by the medical adviser; pre-existing conditions are excluded unless declared at enrolment and accepted.
Limits : Annual tacit renewal; same deductible scale; in this version, claims handling is entrusted to a different provider than in the CFE top-up version.
- less than 65 years ACS Expat: maximum age at enrolment (must be under)CFE supplementary cover notice, version dated 7 April 2025; same condition in the first-euro cover notice in English. Membership of the Globe Partner association is required.acs-ami.com · Verified on Nov 2, 2026
- from €500 ACS Expat: lowest optional deductible levelPer year and per insured person, for all modules except enhanced assistance; can be changed only once, at the renewal date.acs-ami.com · Verified on Nov 2, 2026
- up to €10,000 ACS Expat: highest optional deductible levelSame grid in the first-euro English-language policy notice (version dated 10 June 2024).acs-ami.com · Verified on Nov 2, 2026
- 12 months ACS Expat: maternity waiting periodWaiting periods do not apply if the insured person had equivalent coverage shortly before joining; other waiting periods apply to dental care, optical care, orthodontics and medically assisted reproduction.acs-ami.com · Verified on Nov 2, 2026
ACS Asie Viager CFE
Long-term expat health · Brochure non datée, sans valeur contractuelle
- Risk carrier
- Groupe Allianz (entité non précisée)
- Distributor / administrator
- ACS
- United States
- Excluded
- Home country
- Being verified
- Renewal
- Not verified
- Link with the CFE
- Either, depending on the plan
- Direct billing
- Being verified
- Hospital : Yes
- Outpatient care : Partly
- Maternity : Being verified
- Dental : Partly
- Optical : Partly
- Mental health : Being verified
- Evacuation and repatriation : Being verified
Who for : Residents of the Southeast Asian countries listed in the brochure, subscription before an age limit.
Pre-existing conditions : Not specified in the brochure.
Limits : Two modules (hospitalisation only, or hospitalisation and routine care with optical and dental) and two ceiling levels; the brochure states that the contract cannot be terminated by the insurer, without defining what lifetime cover means.
- less than 60 years ACS Asie Viager CFE: maximum age for subscriptionProgramme available only to residents of the Southeast Asian countries listed in the brochure; the brochure is undated and has no contractual value.acs-ami.com · Verified on Nov 2, 2026
- $500,000 ACS Asie Viager CFE: reimbursement ceiling, first optionThe brochure table applies this amount to hospitalisation, per beneficiary and per calendar year.acs-ami.com · Verified on Nov 2, 2026
- $1,000,000 ACS Asie Viager CFE: reimbursement ceiling, second optionHigher ceiling option; undated brochure.acs-ami.com · Verified on Nov 2, 2026
Globe Traveller, Globe WHV, Globe Partner
Travel and nomad · Page de présentation de l’acteur
- Risk carrier
- Non vérifié
- Distributor / administrator
- ACS
- United States
- Not verified
- Home country
- Being verified
- Renewal
- Not verified
- Link with the CFE
- Not verified
- Direct billing
- Being verified
- Hospital : Being verified
- Outpatient care : Being verified
- Maternity : Being verified
- Dental : Being verified
- Optical : Being verified
- Mental health : Being verified
- Evacuation and repatriation : Being verified
Who for : Travellers, working holiday visa holders, students and researchers in the Schengen area, according to the presentation page.
Pre-existing conditions : Not verified.
Limits : Contractual documents not read.
Published figures
- Premium, fromOn quote
- ACS Asie Viager CFE: reimbursement ceiling, second option$1,000,000acs-ami.com · Verified on Nov 2, 2026
- ACS Asie Viager CFE: reimbursement ceiling, first option$500,000acs-ami.com · Verified on Nov 2, 2026
- ACS Expat: highest optional deductible levelup to €10,000acs-ami.com · Verified on Nov 2, 2026
- ACS Expat: lowest optional deductible levelfrom €500acs-ami.com · Verified on Nov 2, 2026
- ACS Expat: maternity waiting period12 monthsacs-ami.com · Verified on Nov 2, 2026
- ACS Asie Viager CFE: maximum age for subscriptionless than 60 yearsacs-ami.com · Verified on Nov 2, 2026
- ACS Expat: maximum age at enrolment (must be under)less than 65 yearsacs-ami.com · Verified on Nov 2, 2026
Who bears the risk
ACS (Assurances Courtages et Services) is a French insurance brokerage company, registered with ORIAS under number 07 000 350 and supervised by the ACPR. For the ACS Expat contract, the insurer delegates administrative management to it; ACS in turn sub-delegates the handling of reimbursements and assistance to specialised providers.
The insurer of the ACS Expat contract is MGEN Portugal – Companhia de Seguros, S.A., a Portuguese company supervised by the Portuguese insurance authority and operating in France under the freedom to provide services. The brochure for the ACS Asie Viager CFE programme, for its part, refers to the Allianz group without naming the entity. Enrolment is through the Globe Partner association.
Plans and cover
ACS Expat comes in two versions, each with its own policy notice: a version that tops up the CFE, which requires all beneficiaries to be affiliated with the fund, and a first-euro version. Cover is organised in modules (healthcare costs, assistance) with an overall annual ceiling and ceilings per module, detailed in an appended table that we have not read.
The contract is reserved for expatriates, defined as people living outside their country of usual residence for at least figure being updated of the year, and aged under less than 65 years7 at enrolment. The United States is not eligible for expatriation; US nationals may nonetheless be covered during their returns home, up to figure being updated per insurance year, if they requested this at enrolment.
The ACS Asie Viager CFE programme, reserved for certain Southeast Asian countries, must be taken out before less than 60 years6, as full cover or as a top-up to the CFE, with a ceiling of your choice of $500,0002 or $1,000,0001.
Deductibles, waiting periods and exclusions
The deductible is optional: from from €5004 to up to €10,0003 per year and per insured person, which can be changed only once, at renewal. Maternity is covered only after 12 months5; other waiting periods apply to dental care, optical care, orthodontics, psychiatric hospitalisation and medically assisted reproduction. Costs resulting from an accident are covered without delay, and waiting periods are waived if equivalent cover immediately preceded enrolment.
The contract is tacitly renewed each year. In France, the CFE pays the Social Security base amount and the administrator covers the balance, with direct payment through the Carte Vitale; abroad, a request for prior authorisation avoids having to advance hospitalisation costs.
The table of benefits and ceilings, the full list of ineligible countries and the contractual documents for the travel products (Globe Traveller, Globe WHV, Globe Partner) have not been read. The brochure does not define what lifetime cover means for the Asia programme.
Who it suits, and who it does not
ACS Expat suits a French expatriate who wants to keep the CFE and top it up, or to be insured from the first euro, with a European insurer. It excludes expatriates settled in the United States and can no longer be taken out beyond the age limit.
Price and points to check
Price on quotation depending on age, zone, modules, deductible and family composition.
- The version of the policy notice matching the option chosen: CFE top-up or first euro.
- Whether CFE affiliation must be maintained throughout the term of the top-up version.
- The exclusions entered after the health questionnaire.
Sources and verification dates
- 1.
ACS Asie Viager CFE: reimbursement ceiling, second option : $1,000,000
« Un plafond de remboursement de 500 000 USD ou d'1 000 000 USD »
ACS – Assurances Courtages et Services, « Brochure ACS Asie Viager CFE »Verified on Nov 2, 2026Verified source
- 2.
ACS Asie Viager CFE: reimbursement ceiling, first option : $500,000
« Un plafond de remboursement de 500 000 USD ou d'1 000 000 USD »
ACS – Assurances Courtages et Services, « Brochure ACS Asie Viager CFE »Verified on Nov 2, 2026Verified source
- 3.
ACS Expat: highest optional deductible level : €10,000
« Pas de franchise, 500 €, 1 000 €, 5 000 €, 10 000 € »
ACS – Assurances Courtages et Services, « ACS Expat – notice d’information Complément CFE »Verified on Nov 2, 2026Verified source
- 4.
ACS Expat: lowest optional deductible level : €500
« Pas de franchise, 500 €, 1 000 €, 5 000 €, 10 000 € »
ACS – Assurances Courtages et Services, « ACS Expat – notice d’information Complément CFE »Verified on Nov 2, 2026Verified source
- 5.
ACS Expat: maternity waiting period : 12 months
« Maternité : 12 mois. »
ACS – Assurances Courtages et Services, « ACS Expat – notice d’information Complément CFE »Verified on Nov 2, 2026Verified source
- 6.
ACS Asie Viager CFE: maximum age for subscription : 60 years
« peuvent être souscrits avant 60 ans »
ACS – Assurances Courtages et Services, « Brochure ACS Asie Viager CFE »Verified on Nov 2, 2026Verified source
- 7.
ACS Expat: maximum age at enrolment (must be under) : 65 years
« Sont admissibles facultativement les personnes membres de l’Association Globe Partner âgées de moins de 65 ans »
ACS – Assurances Courtages et Services, « ACS Expat – notice d’information Complément CFE »Verified on Nov 2, 2026Verified source