Updated September 28, 2026 · AssureCue Editorial Team
APRIL International vs Waada
What sets them apart
| Compare |  APRIL International |  Waada |
|---|---|---|
| Premium from | €12 | PKR 1.5 |
| Insurance types | Health, Travel | Health, Life, Gadget |
| Provider type | Insurer | Broker |
| Cover limit | Up to EUR/USD 300,000 medical expenses (Premium travel plan); EUR/USD 150,000 (Essential and Prestige) | PKR 500,000 death benefit (Islamic Life Insurance Plan) |
| Claims channels | Easy Claim mobile app, Telephone, E mail, WhatsApp, Direct billing to healthcare provider | Online, Whatsapp, Phone, Email, Partner branches |
| Excess from | €50 | Not confirmed |
| Age range | Not confirmed | 18-65 years |
Same on both: Monthly payments (Yes).
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 8.9.
- APRIL International is available in 9 more countries.
- Insurance types: only APRIL International offers Travel.
- Insurance types: only Waada offers Life, Gadget.
- Claims channels: only APRIL International offers Easy Claim mobile app, Telephone, E mail.
- Claims channels: only Waada offers Online, Phone, Email.
- Support channels: only APRIL International offers Chat.
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.
Waada
Waada is a broker (broker) for health, life and gadget cover in Pakistan, with monthly premiums from PKR 1.50 and claims started online, whatsapp and phone. It suits customers who want small monthly payments on everyday cover and are happy to place the policy through an intermediary.
Score breakdown
| Area | APRIL International | Waada |
|---|---|---|
| Cost | 8.9Premium from €12 against a site median of €8.37, plus an excess starting at €50 on travel plans. | 9.1Higher |
| Offer | 9.4Higher | 9.3 |
| Trust | 9.6Higher | 8.4 |
What each covers
| Insurance types | APRIL International | Waada |
|---|---|---|
| Life | No | Yes |
| Health | Yes | Yes |
| Travel | Yes | No |
| Gadget | No | Yes |
How they place
| Ranking | APRIL International | Waada |
|---|---|---|
| Health insurance | 61 of 216 | 161 of 216 |
Every fact side by side
| Fact | APRIL International | Waada |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | APRIL International Care France | Waada Digital Private Limited |
| Headquarters | Not confirmed | Pakistan |
| Founded | Not confirmed | 2020 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | APRIL International | Waada | Median |
|---|---|---|---|
| Excess from | €50at the median | Not confirmed | €50 |
Median across 71 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.
Waada
Pros
- Monthly payments are available, with premiums from PKR 1.50
- Claims can be started online, whatsapp and phone
- Cover spans health, life and gadget
Cons
- Support runs on phone, email and help centre only, so a claim filed in person needs a branch
- Its provider type is broker, not insurer (broker), so the policy terms sit with whichever insurer holds the plan
- The Islamic Life Insurance Plan pays a fixed death benefit of PKR 500,000 death benefit (Islamic Life Insurance Plan), which may be modest beside what a family needs
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.
Waada
Who it suits
- Adults in Pakistan who pay premiums monthly rather than yearly
- People wanting health, life and gadget cover under one arrangement
- Anyone inside the eligible age range of 18-65 years
Who should look elsewhere
- People who want to deal with the insurer directly rather than through a broker
- Anyone who needs a face-to-face branch claim, since support runs on phone, email and help centre only
- Shoppers wanting cover lines beyond health, life and gadget, which is the full list of health, life and gadget
Country by country
| Country | APRIL International | Waada |
|---|---|---|
| China | Yes | No |
| France | Yes | No |
| Hong Kong | Yes | No |
| Indonesia | Yes | No |
| Pakistan | No | Yes |
| Philippines | Yes | No |
| Singapore | Yes | No |
| Thailand | Yes | No |
8 of 11 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.
Waada
How much does a Waada policy cost each month?+
Premiums start at PKR 1.50 and payments run monthly. Waada sells health, life and gadget cover, so the price depends on which line you pick and what the insurer charges for your age and cover level. Ask for the quote on the specific plan before you compare anything.
How do I make a claim with Waada?+
Claims can be started online, whatsapp and phone. That means you can begin without walking into a branch, using WhatsApp or a phone call, and partner branches are there if you prefer to deal with someone face to face. Keep your policy documents handy when you start the claim.