Updated September 29, 2026 · AssureCue Editorial Team
APRIL International vs Integra Global
APRIL International vs Integra Global: the differences
| Compare |  APRIL International |  Integra Global |
|---|---|---|
| Insurance types | Health, TravelCovers more | Health |
| Provider type | Insurer | Broker |
| Monthly payments | YesHas it | No |
| Claims channels | Easy Claim mobile app, Telephone, E mail, WhatsApp, Direct billing to healthcare provider | Members portal, Direct billing and guarantee of payment, Reimbursement by bank transfer |
| Premium from | €12 | Not confirmed |
| Excess from | €50 | Not confirmed |
| Cover limit | Up to EUR/USD 300,000 medical expenses (Premium travel plan); EUR/USD 150,000 (Essential and Prestige) | Not confirmed |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- APRIL International scores higher overall: 9.3 vs 8.6.
- Integra Global is licensed in 1 more country.
- Monthly payments: only APRIL International.
- Insurance types: only APRIL International offers Travel.
- Claims channels: only APRIL International offers Easy Claim mobile app, Telephone, E mail.
- Claims channels: only Integra Global offers Members portal, Direct billing and guarantee of payment, Reimbursement by bank transfer.
- Support channels: only APRIL International offers Help centre.
Our verdict on each
APRIL International
APRIL International is an insurer built for expats who want health and travel cover handled through one account, with monthly payments and direct billing to healthcare providers. Premiums start at €12 on its travel plans, and support runs on email, chat and phone.
Integra Global
Integra Global is a German broker for expats, and claims run through a members portal, direct billing with a guarantee of payment, or reimbursement by bank transfer: members portal, direct billing and guarantee of payment and reimbursement by bank transfer.
Score breakdown
| Area | APRIL International | Integra Global |
|---|---|---|
| Cost | 8.9HigherPremium from €12 against a site median of €8.37, plus an excess starting at €50 on travel plans. | 8.1 |
| Offer | 9.4Higher | 8.8 |
| Trust | 9.6Higher | 8.8 |
Where each is licensed and available
| Country | APRIL International | Integra Global |
|---|---|---|
| France | Not confirmed | |
| Germany | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 314761 |
Sources behind this comparison
APRIL International
- april-international.com: 11 facts, checked September 26, 2026
Integra Global
- hcigroupglobal.com: 9 facts, checked September 26, 2026
How they place
| Ranking | APRIL International | Integra Global |
|---|---|---|
| Health insurance | 61 of 216 | 197 of 216 |
Every fact side by side
| Fact | APRIL International | Integra Global |
|---|---|---|
| Audience | Expats | Expats |
| Pricing model | Monthly | Not confirmed |
| Legal entity | APRIL International Care France | HealthCare International Europe GmbH |
| Headquarters | Not confirmed | Germany |
| Founded | Not confirmed | 2004 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Email, Chat |
Where each stands against the rest
| Fact | APRIL International | Integra Global | Median |
|---|---|---|---|
| Premium from | €12above the median | Not confirmed | €6.02 |
| Excess from | €50at the median | Not confirmed | €50 |
Median across 116 listed insurance providers.
Pros and cons
APRIL International
Pros
- Health and travel sit in the same account, matching the expat audience on expats.
- Monthly payments are available, so cover can be paid as monthly rather than in one go.
- Claims run through Easy Claim mobile app, telephone and e mail, including direct billing to a healthcare provider.
Cons
- The excess starts at €50, so small medical claims still come with a cost to the policyholder.
- Cover limit differs by plan: medical expenses run to a higher ceiling on the Premium travel plan and a lower one on Essential and Prestige.
- Insurance types are limited to health and travel, so there is no motor, home or life cover to add to the account.
Integra Global
Pros
- Claims can start at the clinic through direct billing with a guarantee of payment, or run through the members portal, with reimbursement by bank transfer: members portal, direct billing and guarantee of payment and reimbursement by bank transfer
- Support runs on phone, email and chat, so phone, email and chat are all open.
- The intermediary is listed with the Financial Conduct Authority in the United Kingdom (314761) and with the Dortmund Chamber of Industry and Commerce insurance intermediary register in Germany (D-IVZX-JTLRH-97).
Cons
- Insurance types list health only: health, so travel, home and life lines are not among the lines on offer.
- Integra Global is a broker rather than an insurer, so the risk sits with the insurer it places members with: broker.
Who each suits
APRIL International
Who it suits
- Expats who want one insurer for health and travel rather than separate policies.
- Travellers who value direct billing to a healthcare provider over paying and reclaiming.
- Anyone who prefers paying for cover monthly rather than in a single payment.
Who should look elsewhere
- People wanting home, motor or life cover, since health and travel is the full list.
- Anyone unwilling to pay an excess, because the minimum on travel plans is €50.
- Buyers wanting the cheapest entry price, since premiums start above the site median of €8.37.
Integra Global
Who it suits
- Expats settled in Germany who want private health cover billed straight to the clinic: expats
- Members who prefer direct billing or reimbursement by bank transfer to paying treatment costs themselves: members portal, direct billing and guarantee of payment and reimbursement by bank transfer
- Readers who want a named contracting entity rather than an anonymous aggregator: HealthCare International Europe GmbH
Who should look elsewhere
- People who want more than health cover in a single place: Oney lists health, life and gadget.
- Households shopping for health alongside home, auto or pet cover: Good Sam covers auto, home and renters.
- Members who want travel, pet and motorcycle lines in the same book: bonus.ch covers auto, home and life.
Country by country
| Country | APRIL International | Integra Global |
|---|---|---|
| China | Yes | No |
| France | Yes | No |
| Hong Kong | Yes | No |
| Indonesia | Yes | No |
| Philippines | Yes | No |
| Singapore | Yes | No |
| Thailand | Yes | No |
| United Arab Emirates | Yes | No |
8 of 10 countries where either is available.
Questions about each
APRIL International
What does APRIL International cost to start?+
Premium from €12 on the travel plans listed. That sits above the site median of €8.37 for premium from, and the excess starts at €50, so the first bill is not the whole cost of a claim.
Can I pay for cover monthly?+
Yes. Monthly payments are available, and the model on monthly means cover can be paid in monthly instalments rather than one annual sum. This matters for anyone moving country and settling costs over time.
Integra Global
Is Integra Global an insurer or a broker?+
It is a broker, so the cover sits with an insurer it places members with rather than with Integra Global itself: broker. The contracting entity is HealthCare International Europe GmbH, and the book it places is limited to health: health.
How are claims handled?+
Claims run on several routes: a members portal, direct billing with a guarantee of payment, and reimbursement by bank transfer: members portal, direct billing and guarantee of payment and reimbursement by bank transfer. Direct billing settles treatment with the clinic, so money does not leave the member first and get claimed back afterwards.