WellAway Limited est le distributeur exclusif de produits d'assurance développés par WellAway Assurance. Ainsi qu'une agence d'assurance et souscripteur de Lloyd's of London, dont le siège se situe aux Bermudes; l'une des juridications les plus règlementées au monde selon les critères de solvabilité II.
WellAway couvre plus de 180 pays, et dispose de l'appui du réseau United Health Care aux Etats-Unis pour le tiers-payant hospitalisation et médecine de ses assurés US. Il s'adresse autant aux expatriés, qu'aux professionnels ou étudiants, et propose une offre complète avec un niveau de couverture élevé, pour une sécurité renforcée.
L'assureur propose des solutions d'assurance vie, d'assurance de dommages et de responsabilité civile en plus de ses contrats santé variés.
|Année de lancement||2015|
|Nombre de formules comparées||9|
|Tiers payant hospitalier||Monde entier|
|Centres de gestion||Bermudes|
|Assureur du contrat expatrié||Arch Re|
|Assistance évacuation||Payer Fusion|
Disponible au 1er USD et en complément de la CFE selon les contrats.
2 types de contrats: expatrié classique, ou ACA compliant avec des garanties typiquement américaines pour les Etats-Unis.
Ces deux types d'offres sont particulièrement adpatées aux USA. Plusieurs franchises sont disponibles en fonction des besoins et budget. La franchise est optionnelle pour le contrat non ACA compliant et obligatoire pour les contrats ACA compliant.
L'assistance rapatriement de base est automatiquement incluse et assurée par l'assureur lui-même.
|Procédure d'adhésion Cette note tient compte des délais de réponse, des services proposés en ligne et de la gestion des conditions médicales pré-existantes.||10%||5/10|
|Délais de carence Cette note tient compte des délais de carence appliqués en hospitalisation, frais médicaux, optique, dentaire, maternité et à la possibilité de les abroger en cas d'assurance antérieure.||5%||5/5|
|Rapidité des remboursements Cette note tient compte de la rapidité de traitement et de la facilité d'envoi des demandes de remboursements.||20%||13/20|
|Gestion des réclamations Cette note tient compte du délai de réponse, de la qualité de la réponse et de la capacité à trouver des solutions.||10%||4/10|
|Augmentation des tarifs Tous les assureurs recalculent chaque année leurs tarifs en fonction de l'évolution des dépenses de santé dans le monde. Cette note évalue les revalorisations sur 3 ans cet assureur par rapport aux autres.||20%||13/20|
|Sécurité contractuelle et légale Cette note évalue la clarté des contrats, la règlementation suivie par le contrat, la solidité financière de l'assureur du contrat et du gestionnaire.||15%||6.75/15|
|Exclusions Cette note tient compte des exclusions du contrat, par exemple sur les sports, les soins hors de la zone ou l'assistance.||10%||6/10|
|Souplesse du contrat Cette note tient compte des conditions de modifications des garanties (à quel moment, dans quelle forme) et de résiliations anticipées (fin d’expatriation, contrat groupe, sécu locale…).||10%||4/10|
Thanks to International-Santé and WellAway for their support
Michel on 02/21/2021
Our family moved to the US in 1998, and until the end of 2017 we were covered by CFE and my employer's complementary insurance. Then as of January 2018 I retired. As I had no American health insurance, I looked for the possibilities available to my wife and myself, either an American ACA insurance (Obamacare), or a complementary insurance to the CFE that was also ACA compliant.That's when we had a stroke of luck: I found the International Santé website on the internet, and got in touch with Raphaël Reiter. The latter was remarkably helpful and through him we decided to take a contract from WellAway: Life Abroad / Premier 4500 starting January 2018. I went on US Medicare in October 2020 and our Premier 4500 contract ended. My wife then signed a second identical contract with WellAway for herself, which will continue until she goes on US Medicare.My wife and I are pleased with the choice of WellAway and this contract. Among the most positive aspects of WellAway is the service provided by PayerFusion (based in Florida and working with WellAway), which acts as a liaison between all the different players: the health care providers, the US insurer whose network and logistics WellAway uses (Aetna until mid-2020 and now United Health Care), the CFE and of course the insured. This service, which is called ConciergeCare, has helped us on multiple occasions, and in particular Valerie provided us with invaluable assistance in resolving a situation with the CFE in early 2019.Due to a cancer diagnosed in 2019 in my wife, we still tested some limits. For example a provider at one point asked us to pay over ,000 for chemotherapy for which they (wrongly) felt insurance reimbursements were insufficient, and playing on the fact that WellAway is an international company. ConciergeCare and WellAway's claims department helped, advised and covered us in this difficult case by intervening directly with the provider. Our experience with WellAway has also included occasional "glitches", especially when we switched from Aetna to UHC as our US partner in 2020, but everything has always been resolved with the help of ConciergeCare. Some providers also have trouble understanding the difference between WellAway and UHC, but again, with a little patience, everything is eventually resolved, so if we had to do it again, we would not hesitate to take out a WellAway policy. We have encouraged our children to take out individual CFE/WellAway policies through International Santé, which they have done.
Disorganized and limited coverage
Catherine on 02/18/2021
The biggest problem with the Orbe Gold insurance I had for my whole family (two adults, two teenagers) is that the care is covered only up to the usual customary rates. No one explained to me what this meant when I chose this insurance. It is impossible to know in advance whether or not these "UCR" rates will be the actual rates charged by doctors and hospitals. In preparation for surgery, I tried to find out in advance about costs and reimbursements from the insurer and the hospital: I couldn't really know how much I would be covered. But despite the lack of transparency, I could see that I was at risk of having several thousand dollars out of pocket even though it was a small operation with local anesthesia, and absolutely medically necessary. It was after this experience that I decided to leave this insurer. Another example that gave me the bug: we go to a dermatologist and make sure that he is "in network". Big surprise when we received the bill: the insurer discount (which normally reduces the price of consultations by about 30-40%) was only a few cents, so the basic consultation was 0. When I tried after that to find out about these insurer discounts to choose other doctors, it was impossible for me to know in advance the amount of these discounts. Finally, this insurance has major problems with organization and management of the insured, especially since they switched from Aetna to United Healthcare. I was forced to have the insurer check to see if there was an error in my coverage, and very often they "forgot" to reimburse me as they were supposed to according to my contract. I am still waiting for dental reimbursements that they made a mistake on. If I didn't check, I would be paying out of pocket when it was covered! I have spent hours like this dealing with these insurance issues, what a waste of time! Their web portal is absolutely terrible, incomprehensible and full of bugs. They recently lost all my communications with them from last year! Their phone service is not bad at all, but again, what a waste of time. The worst thing is the opacity of the coverage and the risk of not being covered properly because of these "UCR".
I PREFER APRIL
Elisabete on 02/18/2021
Pb refusal to pay for dermatology consultation. Problem solved thanks to our broker HeathForExpats
mimdouble on 06/06/2017
a bad reimbursement, endless waits to answer an email, an unacceptable delay for reimbursements (optical: 2 months) for a contribution of more than 1800 per month (and we have to add the cfe) moreover, we had to leave the United States because of a visa problem after 9 months (so against our will) and wellaways refuses to terminate our contract (deduction made for the year..) and to reimburse us (one month to answer my request for cancellation) Insurance to be avoided..better to choose an American insurance