The aim of this document is to give you an overview of the most important benefits and exclusions associated with this insurance policy. This document is not tailored to your specific requirements, and the information it contains is not exhaustive. More information about the selected insurance policy and your obligations can be found in the terms and conditions for these offers, which you can download on the website. For further information, please contact us.

What is this type of insurance?

Assistance, Repatriation, Surgical, pharmaceutical, hospitalization expenses incurred abroad

What is insured?

• Assistance
• Repatriation
• Surgical, pharmaceutical, hospitalization expenses incurred abroad
• Privacy Liability (option)
• Visa Refusal (option)
• Refund of the premium due to visa refusal : Within the limit of the premium paid - Deductible 10 €

What is not insured?

• Diseases prior to the subscription as well as their consequences (See exclusion general conditions)
• Expenses related to contraception, abortion, pregnancy and all complications related to it (See exclusion general conditions)
• Accidents due to the practice of some sports (See exclusion general conditions)
• See exclusion in general conditions

Are there any restrictions on cover?

• Assistance: Real expenses
• Repatriation: Real expenses
• Surgical, pharmaceutical, hospitalization expenses incurred abroad: 35 000 € - Deductible 80 € per claim, except in the event of an accident where there is no deductible
• Privacy Liability (see table of guarantees) - Deductible 80 € per claim
• Visa Refusal: 50 €
• Refund of the premium due to visa refusal : Within the limit of the premium paid - Deductible 10 €

Where am I covered?

Your contract guarantees apply in all the countries in Schengen area as well as in the OD (Overseas Department) and OC (Overseas communities) of the French territory, the principalities of Andorra, Monaco, San Marino, Vatican City as well as in Ireland and United Kingdom, for stay not exceeding twelve months.

What are my obligations?

• On condition that their legal and/or tax residence is located outside the Schengen area
• changes in the dates : 24 working hours before the policy's effective date (start of trip).
• You must report us the claim, in writing, within five working days from the date when you have had knowledge, except in cases of fortuitous event or natural and unavoidable calamities. After this time, if we incur a loss by reason of late reporting, you lose any right to compensation.

When and how do I pay ?

You need a credit card to pay securely over the Internet. If you do not have a credit card, you can pay by opening a PayPal account: www.paypal.com . You can also pay by bank transfer but this incurs fees and takes time.

When does the cover start and end?

The contract takes effect on the date and duration indicated in the insurance certificate, subject to payment of dues.

How do I cancel the contract?

The contract is concluded for a firm period without tacit renewal, and cannot be terminated and reimbursed during the period.