OPAL is an international health insurance product created in partnership with one of the world’s insurance leaders with more than 55 million clients through 120 countries and jurisdictions (200 years of experience / more than 700 000 medical providers / more than 240 000 beneficiaries).

All around the world, OPAL and its network provide assistance to individual persons and their families as well as companies, whatever their health issues.

WHY
OPAL ?

null
Full guarantees and no deductible.
null
A dedicated hotline and multilingual staff at your service 24-7.
null
Reimbursement of health care expenses in 72 hours thanks to a dedicated online platform.

What they say about us

Sébastien F.
Single, expatriate in Panama

I left Madrid a few years ago for a job opportunity in Panama. I am anxious by nature and it has always been important to me to be insured at best and more importantly not to have to ask myself questions about what is or isn’t covered under my health insurance. With Opal, I know everything is covered (optical, dental care, doctors, etc) and that’s without a deductible. Such a comprehensive and simple contract is what convinced me.

Lucie L.
Married, one child, expat in London, United-Kingdom

I am very pleased with Opal. I appreciate the very user-friendly app: with a simple picture as proof of payment, you are quickly reimbursed at a suitable price for your family.  Therefore I would have no hesitations in recommending the Opal insurance.

Anne-Caroline D.
Married, three children, a Swiss expat in London (GB)

When my third child was born, we had to change our health insurance. I was worried at first but I’m very happy now. The online platform to send bills is very easy to use and refunds are very quick. Until now, Opal has taken care of all the health care expenses we submitted (pediatricians, general practitioners, physiotherapists and even speech therapist).

Laurence D.
Married, three children, French expat in italy

When we arrived in Italy, my husband’s status forced us to take a local insurance. It was very expensive and not very efficient so we quickly regretted our choice and then opted for Opal. With a wide range of health care to choose from and quick support, it is the ideal solution for families and you can be sure you’re going to get good treatment no matter what happens.

Oriane G.
Widow, two children, expatriate in the Netherlands, then in Spain

I lived in a complicated family situation with heavy and expensive health care. Without an effective insurance, we would certainly have had to go back to France. With Opal, we had the guarantee of having access to specialists and get an optimal coverage even in the worst-case scenario.

5 THINGS ABOUT OPAL

  • An innovative product adapted to people whose mobility is important.
  • The guarantee to have an insurer of international fame by your side.
  • An excellent international network of experts in health and medical care.
  • A complete coverage with a competitive price.
  • A reactive and fully-dedicated refunds management team.

News

Refund

Skiing outside Switzerland: what if an accident occurs?

Refund

Switzerland is an exceptional playground for winter sports, but many residents do not hesitate to cross borders to discover new areas. According to a recent survey conducted by the Belgian website European Best Destination among 110,000 holidaymakers, Alpe d’Huez was named the best ski area in Europe, followed by Brixental in Austria and Val Thorens in Savoie, which complete the podium. The Swiss resorts reach 5th place only with Crans-Montana, then further on Zermatt getting the 11th place… This shows the attractiveness of the resorts – especially – French! More than the reasons (budget, second home…) we are interested here in the consequences – sometimes dramatic – of such a choice in the event of a problem, such as an accident.

Read more
Refund

In England, Swiss expatriates who come with their families are looking for quality assurance. A question – also – of culture!

Refund

When you arrive in a country where – from language to currency – the differences are significant, which insurance system to choose in order to be guaranteed to have coverage at least equal to that of the country of origin? Combined with a random length of stay, a sometimes complicated medical “passive”, or – quite often – children to bring into the equation, which is sometimes a vital necessity, can quickly become an unnamed puzzle. With the risk of making the wrong choices!

Read more
Refund

Welcome to the era of globalized health !

Refund

Today’s world is made up of exchanges, networks and links, with an international dimension that has never before been achieved. Everything is now linked in one way or another to another: globalization of the economy, trade, transport, communications, commodities, trends… In this context, people themselves are becoming globalized, through their travels, their change of domicile from one country to another, their new professional assignment. What impact does this globalized world have on health?

Read more