Inter Partner Assistance S.A. (trading as AXA Schengen / AXA Partners)

Assistance call deadline

The insured must contact AXA Assistance's 24/7 call centre as soon as a situation appears to involve costs falling within the guarantees, and before any intervention is organized; assistance arranged without AXA Assistance's prior agreement gives no right to later reimbursement.

Section: 2. OBJET, ÉTENDUE ET MISE EN ŒUVRE DE L'ASSISTANCE > 2.1 PROCÉDURE À SUIVRE EN CAS D'INCIDENT MÉDICAL

Contactez le centre d'appels dès que la situation semble impliquer des frais entrant dans le champ d'application des garanties

Unauthorized treatment

Any service refused by the insured or organized without AXA Assistance's agreement does not give rise to any subsequent reimbursement or indemnity.

Section: 3. CONDITIONS DE PRESTATION DU SERVICE D'ASSISTANCE

Toute prestation refusée par la personne assurée ou organisée sans l'accord d'AXA ASSISTANCE

Purchase while abroad

The contract must be purchased before leaving the country of residence; the insured's destination cannot be their own country of residence, and contracts taken out while the insured is already within the Schengen area are excluded.

Section: 7. CADRE JURIDIQUE > 7.1 DATE DE PRISE D'EFFET DU CONTRAT

Le contrat doit être souscrit avant de quitter le pays de résidence

Chronic conditions

Any fact, event or medical condition known to the insured before the booking date, including relapse or worsening of a pre-existing pathological condition, is excluded from cover.

Section: 6. EXCLUSIONS

Tout fait, événement ou circonstance connus de la personne assurée avant la date de réservation

Pregnancy

Pregnancy diagnosis, monitoring, childbirth and voluntary termination are excluded, along with any pregnancy beyond 28 weeks, except for a distinct complication that could not have been foreseen before week 28.

Section: 6. EXCLUSIONS

Diagnostic, suivi et traitement de la grossesse, sauf l'existence d'une complication distincte

Pre-existing condition exclusions

Any illness, disease or medical condition known and diagnosed before the insurance was purchased is excluded from cover unless pre-authorized by AXA Assistance.

Section: 6. EXCLUSIONS

Affection préexistante et diagnostiquée avec un risque d'aggravation

Coverage duration limit

The contract is concluded for the duration stated in the Special Conditions but is limited to a maximum of 180 consecutive days; in all cases, cover is limited to trips of a maximum of 6 consecutive calendar months.

Section: 7. CADRE JURIDIQUE > 7.2 DURÉE DU CONTRAT

Le contrat est conclu pour la durée indiquée aux Conditions Particulières mais limitée à 180 jours consécutifs

other_insurance_priority

AXA Assistance only intervenes after the guarantees provided by other social security or welfare organizations to which the insured is entitled have been exhausted.

Section: 7. CADRE JURIDIQUE > 7.7 SUBROGATION ET PLURALITÉ DES GARANTIES D'ASSURANCE > 7.7.2 Pluralité des garanties d'assurance

AXA ASSISTANCE n'intervient qu'après épuisement des garanties accordées par les autres organismes de prévoyance

Cyprus explicitly included in Europe Travel coverage

Cyprus is explicitly listed in the territorial coverage for the Europe Travel (Essential/Premium) product as a non-Schengen EU country included in the coverage scope

Optional medical expenses top-up to €250,000

For an additional premium starting at €2.90, medical coverage can be increased from the base €100,000 limit up to €250,000

Optional baggage protection add-on

For €10.90 additional premium, baggage protection covers up to €1,000 for loss/theft/damage and €400 for delayed delivery

Country of residence is never covered

The insurance explicitly excludes coverage in the insured's country of residence under all circumstances.

Section: 2. OBJET, ÉTENDUE ET MISE EN ŒUVRE DE L'ASSISTANCE > 2.2 COUVERTURE TERRITORIALE

la présente assurance ne couvre pas le pays de résidence de la personne assurée

Policy must be purchased before departure from home country

Contracts taken out while already within the Schengen area or other covered territory are void; purchase must occur before leaving the country of residence

AXA Assistance pre-authorization required for all covered services

Insured must contact AXA Assistance call centre as soon as a situation involves potential covered costs; services arranged without prior agreement receive no reimbursement

€20 fee for reimbursements outside the European Union

When reimbursing the insured party, any bank transfer outside the EU incurs a flat charge of €20 per transfer

Maximum single trip duration of 180 consecutive days

Coverage for any single trip is limited to a maximum of 180 consecutive days; standard Schengen visas allow only 90 days

Pre-departure purchase requirement

Policy must be purchased before leaving the country of residence; contracts taken while already in the Schengen area are ineligible.

Section: 7. CADRE JURIDIQUE > 7.1 DATE DE PRISE D'EFFET DU CONTRAT

Le contrat doit être souscrit avant de quitter le pays de résidence

Visa refusal full refund guarantee

Full premium refund provided if insured submits official proof of visa denial from embassy/consulate, excluding bank/transfer fees.

Section: 7. CADRE JURIDIQUE > 7.4 PAIEMENT DE LA PRIME

AXA ASSISTANCE s'engage à rembourser le coût du contrat d'assurance

Maximum single trip duration

Single trip coverage limited to a maximum of 180 consecutive days; standard Schengen visas typically allow only 90 days.

Section: 7. CADRE JURIDIQUE > 7.2 DURÉE DU CONTRAT

limitée à 180 jours consécutifs

Travel advisory COVID-19 medical exclusion

COVID-19 medical expenses are excluded if travel occurs against government negative travel advisories, red-zone warnings, or travel bans.

Section: 6. EXCLUSIONS

si vous décidez de voyager contre l'avis (avis négatif, interdiction de voyager, zone rouge)

Assistance authorization requirement

The insured must contact AXA Assistance before any intervention and obtain prior agreement; costs incurred without approval are not reimbursed.

Section: 3. CONDITIONS DE PRESTATION DU SERVICE D'ASSISTANCE

Toute prestation refusée par la personne assurée ou organisée sans l'accord d'AXA ASSISTANCE

Contract renewal restriction

The contract cannot normally be renewed without the insured leaving the Schengen area and other covered countries; an exceptional renewal is possible for non-EU residents unable to return home, for a maximum total of 6 months.

Section: 7. CADRE JURIDIQUE > 7.3 RENOUVELLEMENT EXCEPTIONNEL DU CONTRAT POUR LES RESSORTISSANTS NON EUROPÉENS

le renouvellement ne peut être effectué que pour une durée maximale de six mois au total

International bank transfer fee

When reimbursing the insured, any bank transfer outside the European Union incurs a flat charge of €20 per transfer.

Section: 5. SEUIL D'INTERVENTION > 5.2 FRANCHISE

tout virement bancaire en dehors de l'Union Européenne fera l'objet de frais de 20 €