Travel insurance — France

[1] Medical expenses: €200,000 – €300,000 ↩

Emergency medical and dental expenses abroad are covered up to €200,000 per person, raised to €300,000 per person for the USA, Canada and Australia; a €30 per-person deductible applies.

En complément d'un régime primaire d'assurance maladie, prise en charge de vos frais médicaux d'urgence à l'étranger jusqu'à 300 000 € / personne (sans franchise)

[2] Medical transport: Covered ↩

Allianz Travel's medical team remotely assesses the insured's condition together with local resources to organize transfer or repatriation when necessary; no deductible applies.

Prise en charge de l'évacuation d’urgence et/ou du rapatriement sanitaire

[3] COVID-19 treatment: €200,000 – €300,000 ↩

Medical expenses cover includes costs arising from epidemic or pandemic-related illness, including COVID-19, within the standard medical expenses limit.

[4] Personal liability: Covered ↩

Covers financial consequences of accidental bodily injury or property damage caused to third parties abroad, according to local legislation; does not cover motor vehicle liability, professional activity, hunting or risk sports.

[5] Emergency dental: €200,000 – €300,000 ↩

Emergency dental expenses abroad are covered within the same €200,000/€300,000 per-person medical expenses limit.

[6] Search & rescue: Covered ↩

The traveller assistance guarantee includes cover for search and rescue costs as part of the assistance package.

Rapatriement médical. En cas de maladie, d'accident ou de décès, partout dans le monde. L' Assurance maladie ne couvre pas le rapatriement ;

[7] Legal assistance: Covered ↩

Assistance services include legal aid in case of a dispute or judicial issue encountered on site.

Assistance juridique : aide en cas de litige ou de problème judiciaire sur place.

[8] Emergency medical treatment: €200,000 – €300,000 ↩

Unforeseen emergency medical treatment abroad is covered within the overall €200,000/€300,000 per-person limit, subject to prior approval from Allianz's medical service before costs are incurred.

Si vous recevez des soins médicaux ou dentaires d'urgence pendant votre voyage à l'étranger pour l'un des motifs couverts suivants, nous vous remboursons les frais médicaux restant à votre charge, dans les limites indiquées au Tableau des garanties […] 300 000 €

[9] Hospitalization: €200,000 – €300,000 ↩

Emergency hospitalization costs are covered within the same €200,000/€300,000 per-person limit; Allianz Travel settles the hospital bill directly so the insured does not need to advance funds.

En complément d'un régime primaire d'assurance maladie, prise en charge de vos frais médicaux d'urgence à l'étranger jusqu'à 300 000 € / personne (sans franchise)

[10] Outpatient treatment: €200,000 – €300,000 ↩

Outpatient consultations and medication are covered within the overall medical expenses limit; the insured typically pays upfront and is reimbursed on presentation of receipts, subject to the €30 per-person deductible.

En complément d'un régime primaire d'assurance maladie, prise en charge de vos frais médicaux d'urgence à l'étranger jusqu'à 300 000 € / personne (sans franchise)

[11] Medical evacuation: Covered ↩

Organization and cost of medical repatriation is included; a 24/7 emergency medical hotline coordinates transfer or repatriation when local care is insufficient.

Si nous déterminons que les établissements médicaux locaux ne sont pas en mesure de fournir les soins appropriés […] Nous organisons et prenons en charge votre transport auprès d'un transporteur dans la même classe que le billet réservé à l'origine, sauf raison médicalement nécessaire, pour votre retour […] Pour une demande d’assistance, vous ou un tiers devez nous contacter par téléphone 24 heures sur 24 et 7 jours sur 7

[12] Repatriation of remains: Covered ↩

In case of death abroad, the repatriation guarantee covers organization and cost of returning the body, including funeral-related arrangements.

[13] Pre existing conditions: Conditional ↩

A condition is considered stable, and therefore insurable, if it has not required hospitalization or produced complications during the 6 months preceding the contract's signature; consequences of unstable pre-existing illnesses are excluded.

On peut donc considérer l’état d’un patient comme stable s’il n'a pas été hospitalisé ou s’il n’a pas eu de complication pendant une période de 6 mois avant la signature du contrat. Il sera alors assuré.

[14] Winter sports cover: Optional ↩

Additional protection can be added for at-risk activities such as skiing; certain extreme activities (e.g. ski jumping, high-altitude alpinism) remain excluded even with the option.

[15] Adventure sports cover: Optional ↩

Additional protection can be added for risk activities such as diving; certain sports (kite-surfing, bobsleigh, caving, hang-gliding, paragliding, parachuting) are excluded from the base contract.

[16] Pregnancy complications: Optional ↩

Pregnancy cover is available as an additional guarantee that can be added to the base travel insurance contract.

[17] Medical expenses: €300,000 ↩

Emergency medical and hospitalization expenses abroad are covered up to EUR 300,000, without deductible for the urgent medical care portion; limits vary by destination (e.g. USD 300,000 for USA/Canada).

En complément d'un régime primaire d'assurance maladie, prise en charge de vos frais médicaux d'urgence à l'étranger jusqu'à 300 000 € / personne (sans franchise)

[18] Medical transport: Covered ↩

Organization and coverage of medical transport is included as part of the repatriation assistance; no separate monetary limit is stated.

Prise en charge de l'évacuation d'urgence et/ou du rapatriement sanitaire

[19] COVID-19 treatment: Covered ↩

Medical expenses and trip extension costs resulting from epidemics/pandemics, including COVID-19, are covered; no separate monetary limit beyond the general medical expense cap is stated.

[20] Personal liability: €4,500,000 ↩

Private life civil liability abroad is covered up to EUR 4,500,000 for accidental bodily, material and immaterial damages caused to third parties.

Responsabilité Civile - Prise en charge des conséquences financières de tout dommage accidentel causé à un tiers ou un bien au cours de votre séjour à l'étranger, y compris dans le cadre de la location d'un hébergement.

[21] Emergency dental: See details ↩

The reviewed sources do not state a specific dental care limit for this product.

[22] Search & rescue: See details ↩

The reviewed sources do not state a specific limit for search and rescue costs.

Recherche et secours, remboursement jusqu'à 10 000 € par assuré

[23] Legal assistance: See details ↩

The reviewed sources do not state legal assistance/legal fees coverage terms for this product.

[24] Emergency medical treatment: €300,000 ↩

Emergency medical treatment abroad is reimbursed without deductible, within the overall EUR 300,000 medical expense limit.

En complément d'un régime primaire d'assurance maladie, prise en charge de vos frais médicaux d'urgence à l'étranger jusqu'à 300 000 € / personne (sans franchise)

[25] Hospitalization: €300,000 ↩

Hospitalization expenses abroad are covered within the overall EUR 300,000 medical expense limit.

Frais médicaux d'urgence à l'étranger jusqu'à 300 000 € sans franchise

[26] Outpatient treatment: See details ↩

The reviewed sources do not state a separate limit for outpatient treatment.

[27] Medical evacuation: Covered ↩

Medical evacuation is organized and covered as part of the repatriation guarantee; no separate monetary limit is stated in the reviewed sources.

Prise en charge de l'évacuation d'urgence et/ou du rapatriement sanitaire

[28] Repatriation of remains: See details ↩

The reviewed sources do not specify terms for repatriation of remains in case of death.

Prise en charge, en cas de décès, du transport de corps ainsi que des frais funéraires

[29] Pre existing conditions: Excluded ↩

Conditions arising from or related to illness/health issues existing before departure are generally not covered, notably for the cancellation guarantee.

[30] Winter sports cover: See details ↩

The reviewed sources do not clearly state whether general winter sports practice is included, beyond the exclusion of ski jumping.

[31] Adventure sports cover: Excluded ↩

Certain high-risk or competitive sports are not covered, including kitesurfing, bobsleigh, ski jumping, mountaineering above 3,000m, spelunking, hang-gliding, paragliding, and skydiving.

[32] Pregnancy complications: See details ↩

The reviewed sources do not detail specific pregnancy-complication coverage beyond the general pre-existing condition exclusion for cancellation.

[33] Medical expenses: €500,000 – €1,000,000 ↩

Reimbursement of medical costs abroad (visits, consultations, pharmacy, nursing, hospitalization) remaining after intervention of social security/mutual insurance, capped per insured per event at 500,000 € (Formule 1), 700,000 € (Formule 2) or 1,000,000 € (Formule 3), subject to a deductible of 75 € (F1) or 50 € (F2/F3).

FORMULE 1 FORMULE 2 FORMULE 3 Plafond par assuré et par événement Frais médicaux à l'étranger 500 000 € 700 000 € 1 000 000 €

[34] Medical transport: Covered ↩

AXA Assistance organizes and pays the transport costs (actual cost of the return ticket) for other insured travelers accompanying the repatriated or deceased insured.

Dans le cadre de votre rapatriement médical ou du rapatriement de votre corps, nous organisons et prenons en charge le retour au domicile des autres assurés.

[35] COVID-19 treatment: Excluded ↩

The general exclusions applicable to all guarantees exclude epidemics and any infectious or chemical risk.

les épidémies, tout risque infectieux ou chimique ;

[36] Personal liability: €4,500,000 ↩

Covers financial consequences of the insured's private-life civil liability for bodily, material or immaterial damage caused to third parties abroad. Ceiling of 4,500,000 € per insured for all damages combined (450,000 € for material and consequential immaterial damage), 150 € deductible per claim; only included in Formule 3.

Tous dommages confondus 4 500 000 € par assuré 150 € par assuré

[37] Emergency dental: €150 – €400 ↩

Emergency dental costs are covered per insured per event up to 150 € (Formule 1), 300 € (Formule 2) or 400 € (Formule 3).

Nous prenons en charge les frais dentaires d'urgence à concurrence de : Frais dentaires d'urgence 150 € 300 € 400 €

[38] Search & rescue: €10,000 ↩

Search and rescue costs to locate and evacuate the insured to the nearest reception center are covered up to 10,000 € per insured and 20,000 € per event, within a maximum of 60 hours of search per event.

Notre prise en charge se fera dans la limite de 10 000 € par assuré et 20 000 € par événement. La prise en charge se fera dans la limite de 60 h de recherche par événement.

[39] Legal assistance: €15,000 ↩

In case of unintentional legal proceedings abroad, AXA Assistance advances the criminal bail up to 15,000 € per insured and covers lawyer fees up to 3,000 € per insured.

Nous procédons à l'avance, sur présentation d'un dépôt de garantie ou signature d'une reconnaissance de dette, de l'éventuelle caution pénale qui serait exigée par les autorités judiciaires locales pour votre libération ou pour vous permettre d'éviter une incarcération, ceci à concurrence de 15 000 € par assuré.

[40] Emergency medical treatment: €500,000 – €1,000,000 ↩

Emergency medical treatment costs abroad are covered under the same per-assured/per-event ceiling as medical expenses (500,000 € / 700,000 € / 1,000,000 € depending on formula).

Notre prise en charge se fait à concurrence de : Frais médicaux à l'étranger 500 000 € 700 000 € 1 000 000 €

[41] Hospitalization: Covered ↩

AXA Assistance can advance hospitalization costs abroad directly, within the medical expenses ceiling, against a bank card imprint or security deposit; a deductible of 75 €/50 € per insured applies.

En cas d'hospitalisation, et si vous ou l'un de vos ayants droit en fait la demande, nous pouvons avancer les frais d'hospitalisation pour votre compte dans la limite des montants indiqués à l'article « Conditions et montant de la garantie »

[42] Outpatient treatment: See details ↩

Outpatient costs (visits, consultations, pharmacy) are reimbursed within the overall medical expenses ceiling, but no distinct outpatient sub-limit is stated in the sources.

[43] Medical evacuation: Covered ↩

If AXA Assistance's medical team recommends it, medical repatriation to a medical facility or to the insured's home is organized and paid for at actual cost ('frais réels'); the source does not state this benefit is unlimited. Refusal of the proposed solution forfeits the medical assistance guarantees.

Tout refus de la solution proposée par notre équipe médicale entraîne la déchéance des garanties d'assistance médicale.

[44] Repatriation of remains: €2,300 ↩

Repatriation of the body or ashes to the place of burial in the home country is organized and paid at actual cost, including post-mortem treatment and preparation for transport; coffin costs linked to transport are capped at 2,300 €. Funeral/burial ceremony costs remain at the family's charge.

Les frais de cercueil liés au transport sont pris en charge à concurrence de 2 300 €. Les frais d'obsèques, de cérémonie, de convois locaux, d'inhumation ou d'incinération restent à la charge de la famille du défunt.

[45] Pre existing conditions: Excluded ↩

Pre-existing illnesses or injuries diagnosed and/or treated, having led to a medical consultation or hospitalization within the 6 months before the assistance request, are excluded, unless there is a clear and unforeseeable complication or worsening.

les maladies ou blessures préexistantes, diagnostiquées et/ou traitées et ayant fait l'objet d'une consultation médicale ou d'une hospitalisation dans les 6 mois avant la date de demande d'assistance, à moins d'une complication ou aggravation nette et imprévisible ;

[46] Winter sports cover: See details ↩

No distinct winter-sports guarantee is stated. Winter-sports equipment is explicitly excluded from the baggage/sports-equipment guarantee, and practising snow/ice sports on a non-amateur (competitive/professional) basis is excluded from the common exclusions.

les équipements de sports d'hiver ;

[47] Adventure sports cover: Excluded ↩

The common exclusions exclude damage suffered while practising bobsleigh, mountaineering ('alpinisme') or rock climbing ('varappe'), as well as participation as a competitor in any sporting competition, speed/endurance events, or non-amateur snow/ice sports.

des dommages que vous avez causés ou subis lorsque vous pratiquez les sports suivants : bobsleigh, alpinisme ou varappe ;

[48] Pregnancy complications: See details ↩

Pregnancy-related events (unforeseeable complication, miscarriage, medical contra-indication) are addressed only as trigger events for the trip-cancellation guarantee (a different subtype), not as a medical-expenses benefit; no travel_medical field found.

une complication nette et imprévisible de votre grossesse, une fausse couche ou une interruption thérapeutique de grossesse et ses suites ;

[49] Medical expenses: Covered ↩

Section I of the policy covers medically necessary treatment costs incurred abroad; this guarantee is part of the Essentiel, Prestige and Premium formulas, but the exact monetary limit is stated only in the per-policy Certificat d'Assurance/benefits table, which was not retrievable as text.

[50] Medical transport: Covered ↩

The policy covers transferring the insured from one hospital to another abroad if medically necessary, under the emergency repatriation costs section.

[51] COVID-19 treatment: See details ↩

The general conditions list a physician-diagnosed epidemic or pandemic (e.g. COVID-19) among the defined serious-illness circumstances used elsewhere in the contract, but the source text is too fragmentary to confirm whether this operates as a covered trigger or an exclusion for medical-expense claims specifically.

[52] Personal liability: Not established from the insurer's documents ↩

Chubb's French travel insurance offers (Essentiel/Prestige/Premium) advertise personal liability coverage up to 1,000,000 €, described as a strong point of the product compared to some competitors.

⚖️ Responsabilité civile à l’étranger Jusqu’à 1 000 000 €

[53] Emergency dental: Covered ↩

The general conditions list 'Soins dentaires d'urgence' (item D) as a covered benefit under the medical section; the exact cap could not be extracted from the source text.

[54] Search & rescue: €20,000 ↩

Chubb Assistance (Chubb European Group SE, France) IPID states: Frais de recherche et de secours : 20 000 €/événement, contactable via Chubb Assistance. Other Chubb France travel notices (Notice d'Information Assurances et Assistance Voyage) confirm that search and rescue in high mountains abroad is covered under Chubb Assistance services, with a separate note for winter sports rescue costs incurred in France referred to a specific section.

[55] Legal assistance: Covered ↩

The general conditions include a Legal Costs (Frais Juridiques) guarantee, subject to reasonable grounds for the claim; the numeric limit could not be extracted from the source text.

[56] Emergency medical treatment: Covered ↩

Chubb Assistance provides emergency medical and referral services abroad including contacting doctors, hospitals and clinics; the numeric limit is in the Tableau des Montants de Garanties which could not be extracted.

Les services médicaux d’urgence et d’orientation médicale de Chubb Assistance peuvent Vous fournir une aide pour :

[57] Hospitalization: Covered ↩

If admitted to hospital abroad, Chubb Assistance contacts the hospital and treating physicians and can settle their fees directly up to the contract's guarantee limits.

Régler des factures : si Vous êtes admis à l’hôpital À l’Étranger, l’hôpital ou le ou les Médecins traitants seront contactés et le règlement de leurs honoraires, à concurrence des limites de garantie du Contrat, pourra être pris en charge pour Vous permettre de ne pas avoir à effectuer le règlement à partir de Vos propres fonds.

[58] Outpatient treatment: Covered ↩

Outpatient medical costs abroad fall under the general Frais Médicaux section; no separate sub-limit was found in the retrievable text.

[59] Medical evacuation: Covered ↩

Covers being repatriated to France if the Chubb Assistance-appointed physician considers it preferable, using standard transport or air/road ambulance if urgent specialized care is needed.

Être rapatrié en France : si le Médecin désigné par Chubb Assistance estime qu’il est préférable que Vous soyez soigné en France, Votre rapatriement peut être pris en charge par des services de transport habituels, ou par des services d’ambulance aériens ou routiers si des soins plus urgents et/ou spécialisés sont nécessaires au cours de Votre Voyage.

[60] Repatriation of remains: Covered ↩

The general conditions cover costs of repatriating the insured's body or ashes to France in case of death abroad; the numeric cap could not be extracted from the source text.

[61] Pre existing conditions: Excluded ↩

No medical exam is required to purchase the policy, but the exclusion for pre-existing medical conditions applies.

Aucun examen médical n'est requis. Toutefois, l'exclusion pour une maladie préexistante s'appliquera.

[62] Winter sports cover: Optional ↩

Insureds can subscribe to the 'Sports d'hiver' option to benefit from the guarantees of the Chubb travel insurance contract plus guarantees specific to winter sports practice.

Oui, vous avez la possibilité de souscrire les options « Sports d’hiver » ou « Loisirs Sportifs » pour bénéficier des garanties du contrat assurance voyage Chubb, ainsi que des garanties spécifiques à ces pratiques sportives (voir Conditions Générales d’assurance).

[63] Adventure sports cover: Optional ↩

Insureds can subscribe to the 'Loisirs Sportifs' option to benefit from guarantees specific to sporting activities during their trip.

Oui, vous avez la possibilité de souscrire les options « Sports d’hiver » ou « Loisirs Sportifs » pour bénéficier des garanties du contrat assurance voyage Chubb, ainsi que des garanties spécifiques à ces pratiques sportives (voir Conditions Générales d’assurance).

[64] Pregnancy complications: Conditional ↩

Emergency costs from pregnancy complications are covered only when such complications are diagnosed by a physician specialized in obstetrics.

[65] Medical expenses: €1,000,000 ↩

Complementary reimbursement of medical, surgical, pharmaceutical and hospitalization costs incurred abroad following illness or accident, up to €160,000 in Zone 2 (Europe & Mediterranean countries) and up to €1,000,000 in Zone 3 (worldwide), net of Social Security/mutual reimbursements and subject to a €30 deductible per insured.

160 000 € dans les pays de Zone 2 (Europe et Pays méditerranéens); – 1 000 000 € dans les pays de Zone 3 (reste du monde sauf pays exclus);

[66] Medical transport: Covered ↩

Actual costs ('frais réels', no fixed cap stated) of organizing the insured's return home or transfer to a suitable hospital under medical supervision by light medical vehicle, ambulance, train, scheduled flight or air ambulance, decided exclusively by Europ Assistance's doctors.

soit votre transport, le cas échéant sous surveillance médicale, vers un service hospitalier approprié proche de votre Domicile, par véhicule sanitaire léger, par ambulance, par train (place assise en 1re classe, couchette 1re classe ou wagon-lit), par avion de ligne ou par avion sanitaire.

[67] COVID-19 treatment: Covered ↩

Covid-19 contracted during the trip is treated like any other illness: medical costs are reimbursed and medical repatriation is organized if hospitalization is required, as confirmed on Europ Assistance's official Covid-19 travel insurance page.

Rapatriement médical si la contraction du Covid-19 entraîne une hospitalisation, tout comme pour n’importe quelle autre maladie, les frais engendrés par un rapatriement ou des frais médicaux à l’étranger seront pris en charge.

[68] Personal liability: €4,000,000 ↩

Optional guarantee (included only in the Multirisque and Premium formulas) covering financial consequences of bodily injury or material damage caused to a third party abroad, up to a global cap of €4,000,000 per event, of which material damage and related immaterial damage is capped at €75,000 per event; excludes motor vehicle and professional liability.

Les conséquences pécuniaires que vous pouvez encourir et faisant suite à une réclamation amiable ou judiciaire formée à votre encontre par le tiers lésé, en raison de tout dommage corporel ou matériel, causé à ce dernier par un accident, un incendie ou une explosion survenant au cours de votre voyage, dans la limite des montants indiqués au Tableau des Montants de Garanties.

[69] Emergency dental: €160 ↩

Emergency dental care costs incurred abroad are reimbursed up to €160, within the Tableau des Montants de Garanties.

Urgences dentaires 160 €;

[70] Search & rescue: Excluded ↩

The organization and costs of search and rescue of persons, notably in mountains, at sea or in the desert, are explicitly excluded from the assistance prestations.

l’organisation des recherches et secours des personnes, notamment en montagne, en mer ou dans le désert, et les frais s’y rapportant,

[71] Legal assistance: €3,000 ↩

Optional guarantee (included only in the Multirisque and Premium formulas), managed by L'ÉQUITÉ, covering advice, amicable settlement assistance, and legal defense/recourse expenses, up to €3,000 TTC per claim and per contract for judicial costs (plus up to €1,000 TTC for amicable expert fees).

Cette garantie de Protection Juridique est prise en charge par L’ÉQUITÉ (désignée ci-après par « nous »), 2, rue Pillet-Will – 75009 Paris ou par toute société qui s’y substituerait.

[72] Emergency medical treatment: Covered ↩

In case of illness or injury during the trip, Europ Assistance doctors liaise with the local treating doctor and organize, based solely on medical necessity, either the insured's return home or transfer to an appropriate hospital facility, using the most suitable means of transport.

Si au cours d’un Voyage en France ou à l’Étranger, vous êtes malade ou blessé(e), nos médecins se mettent en relation avec le médecin local qui vous a reçu à la suite de la Maladie ou de l’Accident.

[73] Hospitalization: €1,000,000 ↩

While hospitalized abroad and deemed non-transportable by Europ Assistance's medical team, hospitalization costs can be advanced up to €160,000 in Zone 2 and €1,000,000 in Zone 3; the advance stops once the insured is fit to be transported.

Vous êtes malade ou blessé(e) pendant votre Voyage à l’Étranger, tant que Vous vous trouvez hospitalisé(e) Nous pouvons faire l’avance des frais d’hospitalisation à concurrence du montant indiqué au Tableau des Montants de Garanties.

[74] Outpatient treatment: €1,000,000 ↩

Doctor's fees, prescribed medication, and doctor-ordered local ambulance/taxi costs abroad are reimbursed within the same overall complementary medical expense cap of €160,000 (Zone 2) / €1,000,000 (Zone 3), not as a separate additional limit.

honoraires médicaux, frais de médicaments prescrits par un médecin ou un chirurgien, frais d’ambulance ou de taxi ordonnés par un médecin pour un trajet local à l’Étranger, urgence dentaire à concurrence du montant indiqué au Tableau des Montants de Garanties,

[75] Medical evacuation: Covered ↩

Same benefit as 'Transport/Rapatriement': Europ Assistance organizes and covers, at actual cost, emergency evacuation to an appropriate care facility when medically required, with the transport method chosen solely by its medical team.

Les informations recueillies, auprès du médecin local et éventuellement du médecin traitant habituel, nous permettent, après décision de nos médecins, de déclencher et d’organiser en fonction des seules exigences médicales

[76] Repatriation of remains: €1,000 ↩

In case of death abroad, Europ Assistance organizes and covers, at actual cost, transport of the deceased to the place of burial in France, plus a contribution of up to €1,000 toward coffin/urn costs on presentation of the original invoice.

Nous prenons également en charge l’intégralité des frais nécessités par les soins de préparation et les aménagements spécifiques au transport exclusivement... nous participons aux frais de cercueil ou frais d’urne... à concurrence du montant indiqué au Tableau des Montants de Garanties, et sur présentation de la facture originale.

[77] Pre existing conditions: Excluded ↩

Health conditions, illnesses or injuries diagnosed and/or treated with continuous, day, or outpatient hospitalization in the 6 months preceding any assistance request are excluded, whether newly manifesting or aggravating.

les états de santé et/ou maladies et/ou blessures préexistants diagnostiqués et/ou traités ayant fait l’objet d’une hospitalisation continue, d’une hospitalisation de jour ou d’une hospitalisation ambulatoire dans les 6 mois précédant toute demande, qu’il s’agisse de la manifestation ou de l’aggravation dudit état,

[78] Winter sports cover: Excluded ↩

Accidents resulting from the practice of bobsleigh, skeleton, competitive luge, rock climbing (varappe), mountaineering, and any aerial sport are excluded from the Individual Accident of Travel guarantee.

les accidents résultant de la pratique des sports suivants : bobsleigh, varappe, skeleton, alpinisme, luge de compétition, tout sport aérien, ainsi que ceux résultant d’une participation ou d’un entraînement à des matchs ou compétitions,

[79] Adventure sports cover: Excluded ↩

Accidents resulting from scuba diving (with or without autonomous equipment), parachuting, any aerial sport including kite-related activities, and potholing/speleology are excluded from the Individual Accident of Travel guarantee.

les accidents résultant de la pratique de certains sports tels que : varappe, alpinisme, luge de compétition, plongée sous-marine avec ou sans appareillage autonome, parachutisme et tout sport aérien, y compris cerf-volant ou tout engin analogue, spéléologie ainsi que ceux résultant d’un entraînement ou d’une participation à des compétitions sportives,

[80] Pregnancy complications: Conditional ↩

Pregnancy complications can justify trip cancellation on presentation of a prenatal examination report and a sick-leave certificate; however, requests for assistance related to medically-assisted reproduction or voluntary termination of pregnancy are explicitly excluded from the assistance prestations.

les demandes d’assistance se rapportant à la procréation médicalement assistée ou à l’interruption volontaire de grossesse, leurs conséquences et les frais en découlant,

[81] Medical expenses: €150,000 – €300,000 ↩

Complementary reimbursement of medical fees, prescribed medicines and local ambulance/taxi costs incurred abroad due to sudden illness or accident, paid after Social Security/mutual insurer intervention, up to €150,000 in Zone 2 (Europe & Mediterranean) or €300,000 in Zone 3 (worldwide), subject to a €30 deductible; excludes costs incurred in mainland France, Monaco or French overseas departments.

Nous vous remboursons le montant des frais médicaux engagés à l’Étranger et restant à votre charge après remboursement effectué par la Sécurité sociale, la mutuelle et/ou tout autre organisme de prévoyance jusqu’à concurrence des montants indiqués au Tableau des Montants de Garanties, pour la durée du contrat.

[82] Medical transport: Conditional ↩

Europ Assistance's own doctors organise and pay, at actual cost with no ceiling stated in the contract, transport by light medical vehicle, ambulance, train (1st class seat/couchette) or scheduled/medical aircraft to a hospital near the insured's home, based solely on medical necessity.

soit votre transport, le cas échéant sous surveillance médicale, vers un service hospitalier approprié proche de votre Domicile, par véhicule sanitaire léger, par ambulance, par train (place assise en 1re classe, couchette 1re classe ou wagon-lit), par avion de ligne ou par avion sanitaire.

[83] COVID-19 treatment: See details ↩

No specific COVID-19 treatment provision is mentioned; the epidemic/pandemic exclusion in the contract applies only to the Cancellation and Trip Interruption guarantees, not to a distinct medical treatment benefit.

[84] Personal liability: €4,000,000 ↩

Covers pecuniary consequences of bodily injury or property damage caused to a third party by an accident, fire or explosion during the trip, up to a global cap of €4,000,000 per event, of which up to €4,000,000 for bodily injury and consequential immaterial damage and up to €75,000 for property damage and consequential immaterial damage.

Les conséquences pécuniaires que vous pouvez encourir et faisant suite à une réclamation amiable ou judiciaire formée à votre encontre par le tiers lésé, en raison de tout dommage corporel ou matériel, causé à ce dernier par un Accident, un incendie ou une explosion survenant au cours de votre voyage, dans la limite des montants indiqués au Tableau des Montants de Garanties.

[85] Emergency dental: €160 ↩

Emergency dental treatment abroad is reimbursed up to €160, subject to the same €30 deductible applied to the medical expenses guarantee.

urgence dentaire à concurrence du montant indiqué au Tableau des Montants de Garanties.

[86] Search & rescue: Excluded ↩

The organisation of search and rescue operations for people, notably in the mountains, at sea or in the desert, is explicitly excluded from the assistance benefits.

l’organisation des recherches et secours de personnes, notamment en montagne, en mer ou dans le désert, et les frais s’y rapportant,

[87] Legal assistance: €3,000 ↩

Legal protection guarantee, underwritten by L'Équité, providing advice, amicable assistance and cover of legal/lawyer's fees up to €3,000 per contract for disputes linked to an accident during the trip, everyday consumer disputes with a service provider, or disputes over medical treatment received abroad.

Cette garantie de Protection Juridique est prise en charge par l’ÉQUITÉ... après examen du dossier en cause, à vous conseiller sur la portée ou les conséquences de l’affaire au regard de vos droits et obligations, chaque fois que cela est possible, à vous fournir notre assistance au plan amiable...

[88] Emergency medical treatment: See details ↩

Not separately itemised in the Dispositions Générales; emergency medical fees abroad are reimbursed as part of the general medical expenses guarantee (see medical_expenses).

[89] Hospitalization: €150,000 – €300,000 ↩

Europ Assistance can advance hospitalisation costs abroad up to €150,000 (Zone 2) or €300,000 (Zone 3) while its doctors judge the insured unfit to travel; this is a repayable advance, to be reimbursed by the insured within 30 days of receiving the invoice, and stops once transport becomes possible even if the insured chooses to stay.

Vous êtes malade ou blessé(e) pendant votre Voyage à l’Étranger, tant que vous vous trouvez hospitalisé(e) nous pouvons faire l’avance des frais d’hospitalisation à concurrence des montants indiqués au Tableau des Montants de Garanties.

[90] Outpatient treatment: See details ↩

Not itemised as a distinct benefit; ambulatory medical fees abroad are reimbursed within the general medical expenses guarantee.

[91] Medical evacuation: Conditional ↩

Under the Transport/Rapatriement guarantee, Europ Assistance organises and pays, at actual cost with no stated ceiling, the insured's medically supervised return to their country of domicile, the final decision on transport and destination resting solely with Europ Assistance's doctors.

Il est à cet égard expressément convenu que la décision finale à mettre en œuvre appartient en dernier ressort à nos médecins et ce, afin d’éviter tout conflit d’autorités médicales.

[92] Repatriation of remains: €1,000 ↩

In case of death abroad, transport of the body to the place of burial in the country of domicile is organised and paid at actual cost with no stated ceiling; a contribution toward coffin or urn costs is also paid, capped at €1,000 on presentation of the original invoice. Other costs (ceremony, local transport, burial) remain at the family's charge.

nous organisons et prenons en charge le transport du défunt assuré jusqu’au lieu des obsèques dans son pays de Domicile... nous participons aux frais de cercueil ou frais d’urne... à concurrence du montant indiqué au Tableau des Montants de Garanties et sur présentation de la facture originale.

[93] Pre existing conditions: Excluded ↩

An event cannot be covered if it originates from a health condition, illness or injury that was diagnosed and/or treated with continuous, day-case or outpatient hospitalisation in the 6 months preceding the assistance request, whether this concerns the onset or the aggravation of that condition.

Ne peut être ainsi couvert un évènement trouvant son origine dans un état de santé et/ou une maladie et/ou blessure préexistantes diagnostiquées et/ou traitées ayant fait l’objet d’une hospitalisation continue, ou une hospitalisation de jour, ou une hospitalisation ambulatoire dans les 6 mois précédant la demande d’assistance qu’il s’agisse de la manifestation ou de l’aggravation dudit état.

[94] Winter sports cover: See details ↩

No dedicated winter-sports benefit is provided. Skiing itself is not excluded, but specific mountain/winter disciplines (bobsleigh, skeleton, competitive luge, mountaineering) are excluded from several guarantees (see adventure_sports_cover).

[95] Adventure sports cover: Excluded ↩

Accidents resulting from bobsleigh, rock climbing (varappe), skeleton, mountaineering, competitive luge, any aerial sport, scuba diving (with or without autonomous apparatus), parachuting or caving, and accidents resulting from participation in or training for matches or competitions, are excluded from the Cancellation, Individuelle Accident de Voyage and RC vie privée guarantees.

les accidents résultant de la pratique de certains sports tels que : varappe, alpinisme, luge de compétition, plongée sous-marine avec ou sans appareillage autonome, parachutisme et tout sport aérien, y compris cerf-volant ou tout engin analogue, spéléologie ainsi que ceux résultant d’un entraînement ou d’une participation à des compétitions sportives,

[96] Pregnancy complications: Excluded ↩

Assistance requests related to medically assisted procreation or voluntary termination of pregnancy are excluded. Air and other carriers may impose transport restrictions on pregnant travellers up to departure, and repatriation of a pregnant insured is conditional on the carrier not refusing and on no unfavourable medical opinion regarding the health of the mother or unborn child; no distinct benefit for pregnancy complications is stated.

les transporteurs de personnes (dont notamment les compagnies aériennes) sont susceptibles d’opposer pour les personnes atteintes de certaines pathologies ou pour les femmes enceintes, des restrictions applicables jusqu’au moment du début du transport... le rapatriement de ces personnes ne pourra être réalisé que sous réserve d’absence de refus du transporteur, et bien évidemment, d’absence d’avis médical défavorable... au regard de la santé de l’Assuré ou de l’enfant à naître.

[97] Medical expenses: €30,000 – €150,000 ↩

Reimbursement of medical costs incurred outside the home country following illness or accident, up to 30,000€ in Zone 1 or 150,000€ in Zone 2 (each with a 50€ deductible), applicable only to insureds affiliated with a health scheme in their home country and only for the balance not covered by that scheme.

Zone 1 (cf. Article 2) Zone 2 (cf. Article 2) 30 000€ (dont 50€ de franchise) 150 000 € (dont 50€ de franchise)

[98] Medical transport: Unlimited ↩

Organization and cost of medically necessary transport of the insured to their home or a hospital near their residence, at actual cost, decided solely by the assistance medical team.

Nous organisons et prenons en charge votre rapatriement au domicile ou dans un établissement hospitalier proche de chez vous.

[99] COVID-19 treatment: Excluded ↩

The notice explicitly excludes the consequences of infectious-risk situations in an epidemic context that are subject to quarantine or specific preventive/surveillance measures by health authorities, as well as epidemics generally among the general exclusions.

Les conséquences des situations à risques infectieux en contexte épidémique qui font l’objet d’une mise en quarantaine ou de mesures préventives ou de surveillances spécifiques

[100] Personal liability: €750,000 – €4,500,000 ↩

Covers bodily, material and consequential immaterial damage caused to third parties during private (non-professional) activities abroad, up to 4,500,000€ per claim, of which 750,000€ for material and consequential immaterial damage (150€ deductible per claim); this guarantee, underwritten by Tokio Marine Europe Insurance Limited, applies only to insureds domiciled in mainland France or an overseas department who subscribed via a tour operator or travel agency.

L’Assureur garantit l’Assuré contre les conséquences pécuniaires de la responsabilité civile pouvant lui incomber en raison des dommages corporels, matériels et immatériels consécutifs, causés aux tiers au cours de sa vie privée.

[101] Emergency dental: €150 ↩

Emergency dental costs are reimbursed up to 150€, without application of the usual deductible, subject to prior agreement.

frais dentaires d’urgence (plafonnés au montant indiqué au Tableau des Garanties, sans application de franchise).

[102] Search & rescue: €5,000 ↩

Search and rescue costs at sea or in the mountains following a life-threatening event are covered up to 5,000€ per person, capped at 15,000€ per event; only fees invoiced by a duly licensed rescue company are reimbursed, and Mutuaide must be informed within 3 days of the intervention. A separate on-slope ski-rescue guarantee (sledge/helicopter evacuation from marked pistes) is capped at 1,500€ per person and per event.

Attention : ces frais sont pris en charge dans la mesure où l’assistance est informée dans les 3 jours suivant l’intervention, sauf cas de force majeure.

[103] Legal assistance: €1,500 – €8,000 ↩

In case of prosecution or detention for an unintentional breach of local law, Mutuaide advances the bail required for provisional release (up to 8,000€) and legal representatives' fees (up to 1,500€); these are advances against a security deposit, repayable within one month, and do not apply to facts related to professional activity or vehicle custody.

Nous faisons l’avance de la caution exigée par les autorités locales pour permettre votre mise en liberté provisoire, à concurrence du montant indiqué au Tableau des Garanties.

[104] Emergency medical treatment: €30,000 – €150,000 ↩

Covers doctor's fees, prescribed medication and prescribed emergency ambulance transport within the same zone ceilings (30,000€/150,000€), subject to prior agreement and affiliation with a home-country health scheme.

honoraires médicaux, frais de médicaments prescrits par un médecin ou un chirurgien, frais d'ambulance prescrite par un médecin pour un transport vers l'hôpital le plus proche

[105] Hospitalization: €30,000 – €150,000 ↩

Hospitalization costs are covered within the zone ceiling only if the insured is judged untransportable by the assistance doctors after consulting the local doctor; cover ceases once repatriation becomes possible.

frais d'hospitalisation à condition que vous soyez jugé intransportable par décision des médecins de l’Assistance... Cette prestation cesse à dater du jour où nous sommes en mesure d’effectuer votre rapatriement.

[106] Outpatient treatment: €30,000 – €150,000 ↩

Doctor's fees and prescribed medication received outside the home country are reimbursed within the same zone ceilings, only for the portion not covered by the insured's home health scheme.

honoraires médicaux, frais de médicaments prescrits par un médecin ou un chirurgien

[107] Medical evacuation: Unlimited ↩

Same guarantee as medical repatriation/transport: at actual cost, organized once the assistance doctor, after consulting the local doctor, decides evacuation is medically required; refusal of the proposed solution cancels the guarantee.

Tout refus de la solution proposée par notre équipe médicale entraîne l’annulation de la garantie d’assistance aux personnes.

[108] Repatriation of remains: Unlimited ↩

Transport of the deceased's body to the place of the funeral in the home country is covered at actual cost, including preservation care required by law; costs directly necessitated by the transport itself (handling, special packaging) are capped at 2,500€.

Les frais directement nécessités par le transport du corps (manutention, aménagements spécifiques au transport, conditionnement), à concurrence du montant indiqué au Tableau des Garanties.

[109] Pre existing conditions: Excluded ↩

Illnesses already established that led to hospitalization in the 6 months preceding departure, convalescence, and ongoing treatment not yet stabilized and carrying a risk of sudden worsening, are excluded.

Les maladies antérieurement constituées ayant fait l’objet d’une hospitalisation dans les 6 mois précédant la date de départ en voyage

[110] Winter sports cover: €1,500 ↩

Covers sledge, helicopter or other rescue transport from the accident site to the bottom of open, marked ski slopes following a skiing accident, up to 1,500€ per person and per event, provided Mutuaide is notified before the end of the stay and/or within 48 hours of the rescue.

Ces frais sont pris en charge dans la mesure où nous sommes informés avant la fin de votre séjour dans la station de ski, et/ou dans les 48 heures suivant l’intervention des secours.

[111] Adventure sports cover: Excluded ↩

Excludes accidents from aerial sports, motor sports, paragliding, underwater speleology, specific mountaineering climbs and unsecured climbing competitions, plus high-mountain alpinism, combat sports, speleology and internationally/nationally/regionally ranked snow sports among the general exclusions.

Les accidents survenant lors de la pratique de sports aériens, de sports mécaniques, du parapente, de la spéléologie sous-marine, de courses d’alpinisme spécifiques

[112] Pregnancy complications: Conditional ↩

Pregnancy is excluded unless an unforeseeable complication arises; in all cases, pregnancy beyond the 36th week, voluntary termination, and post-childbirth care are excluded.

Les états de grossesse, à moins d’une complication imprévisible, et dans tous les cas, les états de grossesse au-delà de la 36ème semaine, l’interruption volontaire de grossesse, les suites de l’accouchement

[113] Medical expenses: €1,000,000 ↩

Medical expenses abroad are covered across the Essentiel, Smart and Confort tiers, with a ceiling of up to €1,000,000 stated on certain (higher) formulas.

[114] Medical transport: See details ↩

No IMAWAY-specific source confirms a distinct medical transport benefit.

[115] COVID-19 treatment: See details ↩

Only the IMA Ibérica (Spain-operated) version of Imaway explicitly mentions Covid-19 cover; this is not confirmed for the French IMAWAY product.

[116] Personal liability: Covered ↩

Personal liability abroad is listed as a covered risk for certain destinations (e.g. Algeria), without a published monetary limit.

Partez en Algérie avec une assurance voyage adaptée : attestation pour le visa, frais médicaux, responsabilité civile et rapatriement.

[117] Emergency dental: See details ↩

No source specifies emergency dental coverage.

[118] Search & rescue: See details ↩

No source mentions search and rescue coverage.

[119] Legal assistance: See details ↩

Legal assistance is only mentioned on the IMA Ibérica (Spain-operated) version of Imaway; not confirmed for the French IMAWAY product.

[120] Emergency medical treatment: Covered ↩

IMAWAY provides immediate assistance in case of illness, accident or unexpected event abroad, but no specific monetary limit is published for this peril alone.

Une prise en charge immédiate en cas de maladie, accident ou imprévu à l’étranger.

[121] Hospitalization: Covered ↩

Hospitalization abroad is listed among the covered risks for several destinations (e.g. Tunisia, Japan), though no specific limit is published.

Partez au Japon avec une assurance voyage adaptée : frais médicaux, hospitalisation, catastrophes naturelles et rapatriement.

[122] Outpatient treatment: See details ↩

No source specifies outpatient treatment coverage separately.

[123] Medical evacuation: Covered ↩

Medical repatriation ('rapatriement') is listed as a covered risk across destinations, without a published monetary limit.

Rapatriement

[124] Repatriation of remains: See details ↩

No IMAWAY-specific source distinctly confirms repatriation of mortal remains as separate from general medical repatriation.

[125] Pre existing conditions: See details ↩

No source specifies treatment of pre-existing conditions.

[126] Winter sports cover: See details ↩

Winter sports risk is mentioned generically in destination guides but no specific policy inclusion or limit is confirmed.

Frais médicaux élevés pour les étrangers, longues distances et sports d'hiver : une assurance adaptée reste indispensable.

[127] Adventure sports cover: See details ↩

Risk activities (e.g. scooter accidents, private clinic care) are mentioned in destination guides but no specific coverage or limit is confirmed.

Accidents de scooter, soins en clinique privée, activités à risque : une assurance adaptée sécurise votre séjour.

[128] Pregnancy complications: See details ↩

No source specifies coverage for pregnancy complications.

[129] Medical expenses: €300,000 ↩

Reimbursement of emergency medical expenses abroad up to 300,000 € per insured, including a 300 € sub-limit for emergency dental care

Remboursement des frais médicaux d’urgence à l’étranger (plafond : 300 000 €, dont 300 € pour frais de soins dentaires)

[130] Medical transport: Covered ↩

Included medical assistance covering bedside visit transport and return of dependents; no monetary cap stated in the IPID

Transport au chevet Retour des personnes à charge

[131] COVID-19 treatment: Covered ↩

The Multi-Voyages contract covers the consequences of epidemics and pandemics, including COVID-19, notably for medical repatriation; no separate monetary cap identified beyond the general medical expenses guarantee

Si vous êtes mis en quarantaire, pendant votre séjour, suite à une exposition ou suspicion d'exposition à une épidémie/pandémie (dont Covid-19), impactant votre retour aux dates et heures initialement prévues.

[132] Personal liability: €4,500,000 ↩

All combined bodily, material and consequential immaterial damages covered up to 4,500,000 €, including a 450,000 € sub-limit for material and consequential immaterial damages

Tout dommage confondu corporels, matériels et immatériels consécutifs (plafond : 4 500 000 € dont 450 000 € pour dommages matériels et immatériels consécutifs)

[133] Emergency dental: €300 ↩

Sub-limit of 300 € within the 300,000 € emergency medical expenses guarantee, for emergency dental care

Remboursement des frais médicaux d’urgence à l’étranger (plafond : 300 000 €, dont 300 € pour frais de soins dentaires)

[134] Search & rescue: €10,000 ↩

Search and rescue costs covered up to 10,000 € per insured

Recherche et secours (plafond : 10 000 € par assuré)

[135] Legal assistance: Not established from the reviewed documents ↩

Not listed as a guarantee in the reviewed documents

[136] Emergency medical treatment: €300,000 ↩

Core included benefit; emergency medical treatment abroad covered up to 300,000 € per insured

Remboursement des frais médicaux d’urgence à l’étranger (plafond : 300 000 €, dont 300 € pour frais de soins dentaires)

[137] Hospitalization: See details ↩

No specific hospitalization sub-limit stated separately from the overall medical expenses cap in the reviewed documents

[138] Outpatient treatment: Not established from the reviewed documents ↩

Not separately itemized in the IPID or product page

[139] Medical evacuation: Covered ↩

Emergency evacuation and/or medical repatriation included as a systematic guarantee; no monetary cap stated in the IPID

Evacuation d’urgence et/ou rapatriement sanitaire

[140] Repatriation of remains: Covered ↩

Assistance in case of death is included as a systematic guarantee; no separate monetary cap stated

Assistance en cas de décès

[141] Pre existing conditions: Not established from the reviewed documents ↩

Not explicitly addressed as a specific guarantee or exclusion in the reviewed documents

[142] Winter sports cover: Covered ↩

The 'Garantie Sport' is included automatically in the annual Multi-Voyages contract, allowing sports practice (including winter sports) without needing to add an option; no specific monetary cap for medical costs tied to sport is stated beyond the general medical expenses guarantee

Cette garantie est incluse systématiquement dans notre assurance multi-voyages (annuelle).Elle peut être ajoutée dans nos assurances vacances multirisque et annulation voyage pour une protection complète.

[143] Adventure sports cover: €500 ↩

Included via the 'Garantie Sport' bundled in the annual plan: reimbursement of costs for a missed prepaid activity up to 500 €, and repair/replacement of lost, damaged or stolen sports equipment up to 500 €

Activité manquée - Vous ne pouvez pas participer au cours de votre voyage à une activité prépayée. Remboursement des frais engagés restant à votre charge 500 € Dommages à votre équipement sportif - Votre matériel de sport est perdu, endommagé ou volé au cours de votre voyage. Remboursement du coût de réparation ou du coût de remplacement 500 €

[144] Pregnancy complications: Not established from the reviewed documents ↩

Not mentioned as a specific guarantee in the reviewed documents

[145] Medical expenses: €80,000 ↩

Medical and hospitalization expenses incurred abroad are reimbursed up to €80,000 per beneficiary, in addition to social security reimbursements, provided the beneficiary is covered by a health insurance scheme. This guarantee is embedded in the home insurance 'assistance en cas de déplacement' cover and is not sold as a standalone travel policy.

Prise en charge des frais médicaux et d'hospitalisation engagés sur place à concurrence de 80 000 € par bénéficiaire, sous réserve que le bénéficiaire ait la qualité d'assuré auprès d'un organisme d'assurance-maladie.

[146] Medical transport: Covered ↩

MAIF Assistance organizes and pays for the sanitary transport of the injured or ill beneficiary (ambulance, train, scheduled or medical aircraft) when medically required; no fixed monetary cap is stated for this organizational service.

Le retour du patient est organisé jusqu'à son domicile ou dans un hôpital adapté proche, par ambulance, train, avion de ligne, avion sanitaire ou tout autre moyen approprié.

[147] COVID-19 treatment: Excluded ↩

Viral infections, including COVID-19, are excluded from cover, consistent with the general exclusion of viral, microbial and parasitic afflictions under the bodily-injury guarantee referenced by MAIF's travel assistance terms.

La garantie ne s'applique pas : aux affections virales, microbiennes et parasitaires

[148] Personal liability: €100,000,000 ↩

The home insurance policy's general civil liability guarantee (bodily and material damages up to €100,000,000, consequential immaterial damages up to €15,000,000) territorially extends to stays abroad not exceeding one year, but is not a dedicated travel-liability product.

[149] Emergency dental: See details ↩

Dental prosthesis reimbursement is provided only under the domestic bodily-accident guarantee, not specifically as an emergency dental benefit within the travel assistance guarantee.

des prothèses dentaires et auditives, selon les modalités particulières indiquées ci-après

[150] Search & rescue: €7,700 ↩

Search and rescue costs for human lives are reimbursed up to €7,700, even in the absence of an accident.

MAIF vous rembourse les frais de recherche et de sauvetage des vies humaines, à concurrence du plafond (7 700 €) indiqué aux conditions particulières, même en l'absence d'accident.

[151] Legal assistance: Excluded ↩

MAIF does not exercise judicial recourse action outside mainland France, the French overseas departments/territories where it operates, and Monaco, so legal-recourse assistance is not available for events occurring in other countries.

MAIF n'exerce pas d'action judiciaire : quand l'événement qui est à l'origine du dommage est survenu en dehors du territoire de la France métropolitaine, des départements et collectivités d'outre-mer où MAIF pratique des opérations d'assurance (Guadeloupe, Martinique, Réunion, Saint-Barthélemy et Saint-Martin pour sa partie française) et de Monaco.

[152] Emergency medical treatment: €80,000 ↩

Emergency care abroad is covered under the same €80,000 per-beneficiary cap as medical expenses; care must be prescribed in agreement with MAIF Assistance doctors.

Les soins devront avoir été prescrits en accord avec les médecins de MAIF Assistance et seront limités à la période pendant laquelle ils jugeront le patient intransportable.

[153] Hospitalization: €80,000 ↩

Hospitalization costs abroad are included within the overall €80,000 per-beneficiary cap for medical and hospitalization expenses, limited to the period during which MAIF Assistance doctors deem the patient non-transportable.

Prise en charge des frais médicaux et d'hospitalisation engagés sur place à concurrence de 80 000 € par bénéficiaire.

[154] Outpatient treatment: See details ↩

No distinct outpatient-treatment sub-limit is disclosed separately from the general medical expenses guarantee.

[155] Medical evacuation: Covered ↩

Organization and payment of the medical repatriation of the blessed/ill beneficiary to their home or a nearby suitable hospital, decided by MAIF Assistance doctors after consultation with local physicians; no explicit monetary cap disclosed.

Organisation et prise en charge du rapatriement du blessé ou du malade, en cas de nécessité médicalement établie par les médecins de MAIF Assistance, après consultation des médecins locaux.

[156] Repatriation of remains: Covered ↩

MAIF Assistance organizes and pays for the transport of the deceased beneficiary's body to the place of burial in France, including preparation of the body, transport arrangements and a standard coffin; ceremony, procession and burial costs remain the family's responsibility.

Organisation et prise en charge du transport jusqu'au lieu d'obsèques ou d'inhumation en France. La prestation comprend les frais de préparation du défunt, les aménagements spécifiques au transport ainsi qu'un cercueil, conforme à la législation et de qualité courante.

[157] Pre existing conditions: Conditional ↩

Illness is defined as a sudden and unforeseeable alteration of health, whether or not linked to a pre-existing condition, provided it is not caused by a covered bodily accident and prevents the normal continuation of the trip; routine management of a known chronic condition is not itself a covered event.

La maladie est une altération soudaine et imprévisible de la santé, consécutive ou non à une situation préexistante, n'ayant pas pour origine un accident corporel, constatée par une autorité médicale compétente et qui empêche la continuation normale du voyage ou du séjour.

[158] Winter sports cover: Covered ↩

Mountain rescue costs, without kilometric deductible, are covered in France only when linked to alpine or cross-country skiing within the authorized ski area and outside competition; abroad, mountain rescue costs are covered whether or not linked to skiing, excluding competitive sport.

Prise en charge, sans application de la franchise kilométrique, des frais de secours appropriés du lieu de l'accident jusqu'à la structure médicale adaptée : en France, à la condition que ces frais soient liés à la pratique du ski alpin ou de fond... à l'étranger, que ces frais soient ou non liés à la pratique du ski, hors compétition sportive.

[159] Adventure sports cover: See details ↩

No specific adventure-sports assistance benefit is disclosed in the sources.

[160] Pregnancy complications: See details ↩

No specific pregnancy-complications benefit is disclosed within the travel assistance guarantee.

[161] Medical expenses: €150,000 ↩

When the Assuré is hospitalised abroad following an Atteinte corporelle, AXA Assistance can advance the medical costs directly to the hospital, on request, within the limit of 150,000 € per Evénement, on behalf of Humanis Assurances.

Lorsque l'Assuré est hospitalisé à l'Etranger à la suite d'un Atteinte corporelle, AXA Assistance peut avancer les frais médicaux afférents à cette Hospitalisation en payant directement l'hôpital si l'Assuré en fait la demande, dans la limite de 150 000 € par Evénement.

[162] Medical transport: Covered ↩

Once the Equipe médicale of AXA Assistance confirms the Assuré's health has stabilised, AXA Assistance organises and pays for the additional transport costs necessary for the Assuré's return to their Pays d'expatriation; no monetary ceiling is stated.

Lorsque la consolidation de l'état de santé de l'Assuré est constatée par l'Equipe médicale d'AXA Assistance, AXA Assistance organise et prend en charge les frais de transports supplémentaires nécessaires à son retour dans son Pays d'expatriation.

[163] COVID-19 treatment: Excluded ↩

No dedicated Malakoff Humanis travel_medical (short-stay travel insurance) product exists for French residents; reviews state medical expenses from accident or illness abroad are not addressed by their standard contracts. COVID-19 related sanitary repatriation is referenced only within their long-term expatriate CFE-complementary offer, where COVID repatriation is included if hospitalisation exceeds 48h and a medical opinion justifies transport, but hotel quarantine costs are excluded unless an extended assistance option is taken.

Malakoff Humanis couvre-t-il le rapatriement COVID-19 ? Oui, rapatriement sanitaire COVID inclus si hospitalisation supérieure à 48h et avis médical justifiant transport.

[164] Personal liability: €5,000,000 ↩

Covers the pecuniary consequences of the Assuré's private-life civil liability for bodily, material or immaterial damage caused to third parties abroad, up to 5,000,000 € TTC per Assuré for all combined damages (150 € excess); this guarantee is an optional add-on ("option n°0803228 02") for the Santé 1, Santé 2 and Santé 3 formulas, and is included automatically for the Santé 4 and Santé 5 formulas.

Tous Dommages confondus 5 000 000 € TTC par Assuré 150 € par Assuré

[165] Emergency dental: Not established from the insurer's documents ↩

Malakoff Humanis does not offer a genuine short-stay travel_medical product for occasional travellers; independent reviews confirm its standard mutuelle/health contracts contain no travel-specific guarantees and travel medical/emergency expenses abroad are simply absent from those contracts. Emergency dental cover (up to roughly €1,000/year in some tiers) exists only inside its long-stay expatriate 'Pack Expat' CFE-linked products, not in a consumer travel_medical policy.

🩺 Frais médicaux et rapatriement à l'étranger : Inclus dans les contrats Santé Internationale (Expat, Senior).

[166] Search & rescue: Excluded ↩

The contract does not include a distinct search-and-rescue benefit; the only mention is an exclusion of search-and-rescue costs resulting from non-observance of site safety rules or regulations governing the practised activity.

des frais de recherche et de secours résultant de l'inobservation des règles de prudence édictées par les exploitants du site et/ou des dispositions réglementaires régissant l'activité que l'Assuré pratique ;

[167] Legal assistance: €30,500 ↩

If the Assuré faces judicial proceedings abroad for a non-intentional infraction committed during private life, AXA Assistance advances any criminal bail required to secure release/avoid incarceration up to 30,500 € TTC per Assuré, and covers lawyer's fees up to 7,500 € TTC per Assuré.

pour la libération de l'Assuré ou pour lui permettre d'éviter une incarcération, ceci à concurrence de 30 500 € TTC par Assuré.

[168] Emergency medical treatment: Covered ↩

AXA Assistance's medical team contacts the treating physicians on site and orients the Assuré towards a Structure médicale referenced in its network when acts, laboratory exams, ambulatory care or hospitalisation are required; no separate monetary ceiling is stated for this orientation service.

L'Assuré dont l'état nécessite des actes et examens de laboratoire, des soins médicaux et traitements ambulatoires ou une Hospitalisation dans son Pays d'expatriation peut contacter l'Equipe médicale d'AXA Assistance afin qu'elle l'oriente vers une Structure médicale adaptée à sa pathologie.

[169] Hospitalization: €150,000 ↩

AXA Assistance may advance and pay the hospital directly for medical costs linked to a Hospitalisation abroad, within the limit of 150,000 € per Evénement; hospitalisations exceeding 3 days for which AXA Assistance was not previously involved trigger a specific cost-monitoring procedure once costs exceed 10,000 €.

En cas d'Hospitalisation prévue d'une durée supérieure à trois (3) jours à l'Etranger pour laquelle AXA Assistance n'est pas intervenue préalablement, l'Equipe médicale d'AXA Assistance peut à la demande de l'Assuré mettre en place une prestation de suivi médical.

[170] Outpatient treatment: Excluded ↩

Under the assistance and direct-billing procedure, outpatient consultations and/or ambulatory medical treatments are explicitly excluded from direct payment ("ne font pas l'objet d'une prise en charge directe") and must be handled through the standard reimbursement circuit instead.

Les consultations externes et/ou traitements médicaux ambulatoires ne font pas l'objet d'une prise en charge directe.

[171] Medical evacuation: Covered ↩

If the medical team of AXA Assistance recommends repatriating the Assuré to a Structure médicale in the Pays de Domicile or Pays d'expatriation, AXA Assistance organises and pays for the repatriation; destination, timing and means are decided exclusively by AXA Assistance's medical team, and refusing the proposed solution forfeits the assistance guarantees. No monetary ceiling is stated for this benefit.

Si l'Equipe médicale d'AXA Assistance recommande le rapatriement de l'Assuré vers une Structure Médicale, dans son Pays de Domicile ou son Pays d'expatriation, AXA Assistance organise et prend en charge sa réalisation.

[172] Repatriation of remains: €2,300 ↩

AXA Assistance organises and pays for the repatriation of the Assuré's body or ashes from the place of death to the place of burial in the Pays de Domicile or Pays d'origine, including post-mortem treatment, coffining and transport arrangements; coffin costs linked to transport are capped at 2,300 €. Funeral, ceremony and burial/cremation costs remain at the family's expense.

Les frais de cercueil liés au transport sont pris en charge à concurrence de 2 300 €. Les frais d'obsèques, de cérémonie, de convois locaux, d'inhumation ou d'incinération restent à la charge de la famille du défunt.

[173] Pre existing conditions: Excluded ↩

Excluded from the assistance guarantees: pre-existing illnesses or injuries, diagnosed and/or treated, that were the subject of a medical consultation or hospitalisation within the six (6) months preceding the date of the assistance request, as well as convalescences and conditions still under treatment and not yet stabilised.

les maladies ou blessures préexistantes, diagnostiquées et/ou traitées et ayant fait l'objet d'une consultation médicale ou d'une hospitalisation dans les six (6) mois avant la date de demande d'assistance ;

[174] Winter sports cover: Conditional ↩

The assistance guarantees exclude the practice of snow or ice sports on a non-amateur basis; practising these sports as an amateur is therefore not excluded by this specific clause, making cover conditional on amateur status.

ainsi que la pratique des sports de neige ou de glace à un titre non-amateur ;

[175] Adventure sports cover: Conditional ↩

Excluded: participation as a competitor in any competitive sporting event or endurance/speed trial and preparatory trials on any terrestrial or aerial locomotion device, non-homologated aerial activities, and non-professional practice is otherwise not addressed, meaning casual adventure activities are conditionally covered while competitive/professional practice is excluded.

de la participation de l'Assuré en tant que concurrent à toute épreuve sportive de compétition ou à des épreuves d'endurance ou de vitesse et à leurs essais préparatoires, à bord de tout engin de locomotion terrestre ou aérienne (à moteur ou non)

[176] Pregnancy complications: Excluded ↩

The assistance guarantees explicitly exclude the consequences of pregnancy: delivery, caesarean section, newborn care, and voluntary termination of pregnancy.

les suites de la grossesse : accouchement, césarienne, soins au nouveau né ; les interruptions volontaires de grossesse ;

[177] Medical expenses: €150,000 ↩

Medical expenses incurred abroad are covered up to €150,000 per insured person (advance of funds or reimbursement), reduced to €30,000 for nervous, mental, psychic or psychological illnesses; identical ceiling for both Horizon and Zénith

Frais médicaux à l’étranger : jusqu’à 150 000€ (30 000€ pour les maladies nerveuses, mentales, psychiques et psychologiques)

[178] Medical transport: Covered ↩

Sanitary transport to the most appropriate hospital facility is systematically covered in case of accident or illness, with no monetary ceiling stated

Organisation et prise en charge du transport sanitaire si nécessaire.

[179] COVID-19 treatment: See details ↩

No official MGEN source explicitly clarifies whether COVID-19 medical treatment abroad is covered under the general illness guarantee or excluded

[180] Personal liability: €4,500,000 ↩

Personal liability for bodily and material damages caused to third parties abroad is covered up to €4,500,000 per claim with a €75 deductible per file; this guarantee is bundled automatically into the Zénith formula, while it is listed as an optional add-on that can be selected on the Horizon formula

Si vous provoquez des dommages corporels, matériels et immatériels à un tiers, l’assurance peut verser une indemnisation jusqu’à 4 500 000 € par sinistre, selon les conditions du contrat.

[181] Emergency dental: See details ↩

No specific emergency dental coverage or sub-limit was found in the reviewed sources

[182] Search & rescue: €15,000 ↩

Search costs are covered up to €15,000 and rescue costs up to €5,000 per the Horizon formula documentation; systematically included on both tiers

Conformément à l'assurance d'Horizon de base, Horizon participe aux frais de recherche et de secours jusqu'à 15 000 €.

[183] Legal assistance: €3,000 ↩

Lawyer's fees and/or legal costs following a theft abroad are covered up to €3,000; the Horizon offer page additionally mentions a bail bond advance up to €10,000

Frais de justice & caution pénale (étranger) : prise en charge de frais de justice et caution à l’étranger.

[184] Emergency medical treatment: €150,000 ↩

Emergency medical treatment abroad is covered via advance of funds or reimbursement within the overall €150,000 medical expenses ceiling

En cas d’urgence médicale à l’étranger, frais couverts jusqu'à 150 000 € dans 9 400 établissements.

[185] Hospitalization: €150,000 ↩

Hospitalization costs abroad are included within the overall €150,000 medical expenses ceiling; no separate hospitalization sub-limit is stated

Consultations, examens, hospitalisation, soins ambulatoires. Frais médicaux pris en charge jusqu’à 150 000 € par personne assurée.

[186] Outpatient treatment: €150,000 ↩

Outpatient (ambulatory) care abroad is covered within the overall €150,000 medical expenses ceiling

Consultations, examens, hospitalisation, soins ambulatoires. Frais médicaux pris en charge jusqu’à 150 000 € par personne assurée.

[187] Medical evacuation: Covered ↩

Sanitary repatriation of the insured (with accompanying persons if necessary) is covered at actual cost with no deductible, no overall monetary ceiling stated

Le rapatriement sanitaire est pris en charge en frais réels, sans franchise.

[188] Repatriation of remains: Covered ↩

Repatriation of the body to France in case of death is systematically covered, with no monetary ceiling stated

Décès/rapatriement : organisation et prise en charge des retours/rapatriements (dont rapatriement de corps) selon les situations prévues.

[189] Pre existing conditions: See details ↩

No official MGEN source clarifies the treatment of pre-existing conditions

[190] Winter sports cover: Covered ↩

Standard winter/gliding sports such as skiing, snowboarding and surfing are covered outside of competition, within the general medical guarantees

Les sports de glisse standards (ski, surf) sont couverts hors compétition.

[191] Adventure sports cover: Excluded ↩

Sports practiced competitively or professionally, and high-risk activities such as diving beyond 40m, paragliding, mountaineering, bungee jumping and skydiving are excluded from cover

Non, les formules Horizon et Zénith excluent les sports pratiqués en compétition ou à titre professionnel, ainsi que certaines activités à risque comme la plongée au-delà de 40 mètres, le parapente, l’alpinisme, le saut à l’élastique ou le parachutisme.

[192] Pregnancy complications: See details ↩

No official MGEN source specifies coverage terms for pregnancy complications

[193] Medical expenses: $250,000 ↩

Medical treatment and hospitalization for new, unexpected illnesses and injuries while traveling is covered up to an overall limit of $250,000

Medical treatment and hospitalization This includes: see more ... US$250,000 max limit

[194] Medical transport: $250,000 ↩

Ambulance transport for hospitalization is covered at usual, reasonable and customary charges up to the overall limit

Emergency local ambulance transportation is covered as long as the illness or injury results in hospitalization for an illness or injury that is also covered under the Policy. The Policy does not provide cover for search and rescue services.

[195] COVID-19 treatment: See details ↩

Not found explicitly quantified in the verified sources reviewed

[196] Personal liability: See details ↩

Not found in the verified sources reviewed

[197] Emergency dental: $1,000 ↩

Emergency dental treatment to relieve acute onset of pain, or dental surgery following an accident, is covered up to $1,000 per active insurance period

SafetyWing covers: Up to $1,000 in relation to acute onset of pain.

[198] Search & rescue: See details ↩

Not found in the verified sources reviewed

[199] Legal assistance: See details ↩

Not found in the verified sources reviewed

[200] Emergency medical treatment: $250,000 ↩

Emergency treatment for injuries and unexpected illnesses while traveling, up to the overall plan limit of $250,000

Medical treatment and hospitalization ... US$250,000 max limit

[201] Hospitalization: $250,000 ↩

Hospital stays, nursing care, and ambulance transport for hospitalization are covered up to the overall limit of $250,000

hospital stays nursing care ambulance for hospitalization ... US$250,000 max limit

[202] Outpatient treatment: $250,000 ↩

Outpatient diagnostics and eligible medical expenses (e.g. X-ray, MRI, blood count) are covered up to the overall limit when deemed medically necessary

Examples: X-ray, MRI scan, CT scan, complete blood count. Covered if deemed medically necessary by a physician (exceptions: psychometric, intelligence, behavioral or educational testing are not included).

[203] Medical evacuation: $100,000 ↩

Evacuation to the nearest qualified hospital is covered up to $100,000 during the insured's lifetime (lifetime max), reduced to $25,000 in relation to a pre-existing illness or injury

SafetyWing covers: Up to $100,000 during your lifetime (lifetime max), or $25,000 in relation to a pre-existing illness or injury. Up to $5,000 for a ticket to return to your home country.

[204] Repatriation of remains: See details ↩

Not found in the verified sources reviewed

[205] Pre existing conditions: Conditional ↩

Pre-existing conditions are excluded, except that acute onset of a pre-existing condition may be covered up to the overall limit if it is essential and necessary to stabilize the condition and specific policy conditions are met

Pre-existing illness or injuries are not covered in general, but emergency treatment of a pre-existing illness or injury is covered.

[206] Winter sports cover: $250,000 ↩

Injuries from leisure sports and activities including skiing and snowboarding are covered as standard up to the overall limit of $250,000

Injuries from leisure sports & activities See full list of activities here US$250,000 max limit

[207] Adventure sports cover: Optional ↩

Essential plan can be extended with an optional add-on to cover higher-risk adventure activities such as scuba diving, paragliding, and white water rafting

Want to add extra coverage? US coverage For non-residents only Learn more Adventure sports Learn more Electronics theft Learn more

[208] Pregnancy complications: Excluded ↩

The Essential plan does not cover pre-existing conditions, maternity care or cancer treatment

The Essential plan does not cover pre-existing conditions, maternity care or cancer treatment. Limited coverage for visits to your home country.

[209] Medical expenses: Covered ↩

Emergency overseas medical treatment is covered up to policy limits, with a choice between a Standard Plan and an Explorer Plan, each offering different benefits, limits and sub-limits. Exact euro limits for the France-resident product were not disclosed in the accessible sources.

We offer you a choice between a Standard Plan and an Explorer Plan, with different benefits, limits and sub-limits for each plan.

[210] Medical transport: Covered ↩

Transport to appropriate medical facilities is arranged by the Emergency Assistance team when medically necessary.

Ambulances and medical transport, including by helicopter if medically necessary and available.

[211] COVID-19 treatment: Conditional ↩

Depending on country of residence, plans may include emergency medical cover for travelers who fall sick with Coronavirus while abroad, excluding pre-existing conditions.

Depending on your country of residence, our plans include emergency medical cover for travellers who get sick with Coronavirus while abroad (excluding pre-existing medical conditions, as outlined in the policy wording).

[212] Personal liability: Not established from the reviewed documents ↩

Not found in the sources checked for this product.

[213] Emergency dental: Covered ↩

Emergency dental expenses are covered alongside overseas medical expenses, up to policy limits varying by plan.

We'll pay for emergency dental treatment overseas which the dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain.

[214] Search & rescue: Not established from the reviewed documents ↩

Not found in the sources checked for this product.

[215] Legal assistance: See details ↩

Not found as a distinct monetary benefit; marketing text only mentions general help finding a lawyer, not covered legal costs.

Anything illegal (we can't bail you out or pay for your lawyer, but we might be able to help you find a lawyer that speaks your language).

[216] Emergency medical treatment: Covered ↩

Cover applies if there is a sudden and unexpected accident or illness during the trip; this is accident and emergency cover only, not a private health insurance policy.

This is accident and emergency cover only and is not a private medical insurance policy. It only covers you if there is a sudden and unexpected accident causing you injury or if you suddenly become ill during your trip.

[217] Hospitalization: Covered ↩

Hospitalisation is referenced as a covered emergency event requiring contact with the 24-hour Emergency Assistance Service, subject to policy limits.

If you are admitted to hospital as an in-patient or require on-going outpatient treatment overseas, the 24 hour Emergency Medical Assistance Service must be notified immediately.

[218] Outpatient treatment: Covered ↩

Covered as part of overseas medical expenses, though no specific outpatient sub-limit was found for the France-resident product.

day surgery or outpatient treatment;

[219] Medical evacuation: Covered ↩

Emergency medical evacuation and repatriation to the country of residence for ongoing treatment is covered, subject to approval by World Nomads and the attending medical practitioner.

Transport back to your country of residence if we deem it medically necessary.

[220] Repatriation of remains: See details ↩

Not explicitly confirmed as a distinct benefit in the sources checked for the France-resident product.

[221] Pre existing conditions: Excluded ↩

The policy excludes cover for pre-existing medical conditions of the traveler, travelling party and close relatives which exist before the policy is purchased or extended.

This policy excludes cover for pre-existing medical conditions of you , your travelling party and close relatives and any other person upon whom your trip depends, which exist before you buy this policy, and in any new insurance period after you extend this policy.

[222] Winter sports cover: Conditional ↩

Winter sports and adventure activities are covered as part of the broader adventure activities benefit, with coverage depending on the specific activity and plan (Standard or Explorer) and adherence to safety terms.

our travel insurance can cover you for more than 150 adventures, snow and winter sports activities , medical emergencies and even extended stays if you are enjoying your winter escape to France too much.

[223] Adventure sports cover: Conditional ↩

More than 150 adventure sports and activities are covered with different coverage levels and conditions; some activities require specific safety gear or licensed guides and are categorized by level.

Some activities may require you to use specific safety gear or to be accompanied by a licensed guide, so check your policy for any conditions.

[224] Pregnancy complications: See details ↩

General marketing material states policies can help cover pregnancy-related emergencies, but this was not confirmed in the France-resident policy wording checked.

Our policies can help cover for medical emergency, pregnancy and Covid, trip interruption and also provide 24/7 worldwide emergency assistance .