Inter Partner Assistance S.A. (trading as AXA Schengen / AXA Partners)
AXA Schengen
AXA Schengen is a travel insurance for the Cyprus market with online purchase and 24/7 assistance.
Direct payment
The premium, including taxes and contributions, must be paid electronically in advance at subscription. If the subscriber provides official proof that the requested visa was refused, AXA Assistance will refund the cost of the contract, excluding transaction and money-transfer/exchange fees.
Geographic scope
Schengen Area plus EU countries outside Schengen, San Marino, Andorra, Monaco, Vatican City, Cyprus, Ireland and the United Kingdom
Assistance is provided in all Schengen countries at the time of the insured event, plus San Marino, Andorra, Monaco, Vatican City, Cyprus, Ireland and the United Kingdom; the insured's own country of residence is never covered.
Unique selling points
- Full premium refund if the subscriber provides official proof of a refused visa application.
- Search and rescue costs covered up to €5,000 per insured person, included as standard.
- Territorial coverage extends beyond the Schengen area to the UK, Ireland, Cyprus, San Marino, Andorra, Monaco and Vatican City.
- No medical deductible applies; the only fixed charge is a €20 fee for reimbursement transfers outside the EU.
- Optional add-ons let travelers raise medical cover to €250,000 or add baggage protection, unlike many competitors' fixed limits.
Coverage limits
Medical expenses coverage limit
Covered
Maximum guarantee of €100,000 per insured person for medical and hospitalization incidents that occur and are treated within the covered territory; this ceiling is shared with repatriation costs.
Emergency medical and surgical treatment
Covered
AXA Assistance covers medical and surgical costs and medicines prescribed locally, within the overall €100,000 medical/repatriation ceiling per insured person.
Hospitalization costs
Conditional
Hospitalization costs are covered within the €100,000 ceiling only when AXA Assistance's medical team determines the insured cannot be transported.
Outpatient treatment
Covered
Local outpatient medical care, prescribed medicines and doctor-ordered local transport are covered within the shared €100,000 medical ceiling.
Emergency dental care
Covered
Urgent dental care costs are covered up to a maximum of €150 per insured person.
Doctor-ordered local medical transport
Covered
Transport costs ordered by a doctor for local travel are covered within the overall €100,000 medical ceiling.
Medical repatriation or transport following a medical incident
Covered
If AXA Assistance's medical team deems it necessary, the insured is transported by train, ambulance, scheduled airline or medically equipped aircraft to a better-equipped facility or towards the country of residence, within the shared €100,000 ceiling.
Repatriation of remains / funeral costs
Covered
In case of death, AXA Assistance organizes repatriation of the body or supports local burial/cremation, covering post-mortem treatment, embalming and transport costs; coffin costs are capped at €750. Ceremony, burial and cremation costs are excluded.
Search and rescue costs
Covered
The insurer covers the first €5,000 per insured person for search and rescue costs incurred to save the life or health of the insured, provided the rescue results from a decision by local competent authorities or official rescue services.
COVID-19 related medical expenses
Conditional
COVID-19 related medical expenses fall under the general medical expenses ceiling, but are excluded if the insured travels against a negative travel advisory, travel ban or red-zone warning issued by the competent authorities.
Pre-existing medical conditions
Excluded
Any illness, disease or medical condition known to the insured and diagnosed before the booking date is excluded, including relapses or worsening of a pre-existing condition that presented a risk of rapid deterioration.
Adventure sports cover
Not offered
Not addressed in the reviewed policy documents; the T&Cs only exclude professional competitive sports and racing events.
Pregnancy complications
Conditional
Diagnosis, monitoring and treatment of pregnancy, childbirth and voluntary termination are excluded, as is any pregnancy after week 28, except for a distinct complication that could not have been foreseen before week 28.
Personal liability
Excluded
Personal liability cover is not addressed as a benefit in the General Conditions; per the exclusions clause, any event not explicitly mentioned in the contract is excluded.
24/7 assistance call centre
Covered
AXA Assistance operates a call centre reachable 24 hours a day, 7 days a week, to be contacted as soon as a situation may involve costs covered by the policy.
Daily hospitalization allowance
Conditional
If hospitalized for more than 5 days, the insured is reimbursed €50 per day from the first day of hospitalization, up to a maximum of €500, to cover communication, personal care and visiting costs.
Hotel costs for extended stay due to medical grounds
Conditional
If the insured cannot travel back on the originally scheduled date due to medical necessity confirmed by AXA Assistance's doctor, hotel costs are covered up to €75 per night per room, capped at €750.
Communication costs with the assistance centre
Conditional
Communication costs incurred to contact the call centre are reimbursed once they exceed €30, subject to invoices, with an overall guarantee not exceeding €100; mobile data/information charges are not covered.
Assistance for theft/loss of identity or travel documents
Covered
In case of loss or theft of identity/travel documents, AXA Assistance provides embassy/consulate contact details and covers round-trip transport costs to reach them, up to €100 per insured person.
Optional medical expenses ceiling extension
Optional
Subscribers may pay an additional premium starting at €2.90 to raise the medical expenses reimbursement ceiling from €100,000 up to €250,000.
Optional baggage protection add-on
Optional
For an additional premium of €10.90, subscribers can add baggage protection reimbursing up to €1,000 for loss, theft and/or damage, and up to €400 for delayed delivery.
Key conditions
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.
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.
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.
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.
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.
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.
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.
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.
Policy specifics
Cyprus territorial coverage inclusion
Cyprus is explicitly included in Essential and Premium plans but NOT in Basic plan; coverage extends beyond Schengen to all EU countries plus UK
Medical expense coverage upgrade
Optional top-up available to increase medical coverage from €100,000 base to €250,000 maximum for additional premium
Luggage and baggage protection add-on
Optional benefit providing up to €1,000 for loss/theft/damage and €400 for late delivery, available at €10.90
Territorial coverage scope
Coverage is valid in all Schengen countries, EU countries outside Schengen (including Cyprus and Ireland), European microstates (San Marino, Andorra, Monaco, Vatican City), and the UK.
Medical repatriation
Coverage for repatriation costs in case of serious illness, injury or medical emergency requiring transport, within the shared €100,000 medical ceiling.
Pre-departure purchase requirement
Policy must be purchased before leaving the country of residence; contracts taken while already in Schengen area are ineligible
Home country exclusion
Insurance never covers the insured's country of residence or any countries under international sanctions
Visa refusal full refund guarantee
Full premium refund provided if insured submits official proof of visa denial from embassy/consulate, excluding bank fees
Maximum single trip duration
Single trip coverage limited to maximum 180 consecutive days; standard Schengen visa typically allows only 90 days
Travel advisory COVID-19 medical exclusion
COVID-19 medical expenses excluded if travel occurs against government negative travel advisories, red-zone warnings, or travel bans
Country of residence restriction
Insurance does not cover the country of residence; the policy must be purchased before leaving the home country and the destination cannot be the insured's own country of residence.
COVID-19 travel advisory compliance
Medical expenses related to COVID-19 are not covered if travel occurs against a government negative travel advisory, red-zone warning or travel ban.
Assistance authorization requirement
The insured must contact AXA Assistance before any intervention and obtain prior agreement; costs incurred without approval are not reimbursed.
Maximum contract duration
The contract is limited to a maximum of 180 consecutive days, and in all cases to trips of a maximum of 6 consecutive calendar months.
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.
International bank transfer fee
When reimbursing the insured, any bank transfer outside the European Union incurs a flat charge of €20 per transfer.