AXA

Medical expenses abroad

Covered

Reimbursement of medical, surgical, nursing, pharmacy and hospitalization expenses incurred abroad following a bodily injury, after deduction of amounts covered by the insured's primary health fund and/or mutual insurance. Covers visits, consultations, pharmacy, nursing care, medical and surgical hospitalization including medical and surgical fees. A deductible of €75 (Formula 1) or €50 (Formulas 2 & 3) applies per insured. Coverage ceases on the date of repatriation. Requires affiliation to a health insurance scheme.

Emergency medical treatment abroad

Covered

Emergency medical and surgical treatment abroad is covered as part of the medical expenses guarantee (Chapter 1, Article 2). Covers any medical act or surgical procedure linked to sudden illness or accident constatée abroad, including emergency hospitalization. AXA Assistance must be notified within 24 hours in case of hospitalization (except force majeure). Limits: €500,000 (Formula 1), €700,000 (Formula 2), €1,000,000 (Formula 3) per insured per event.

Hospitalization abroad

Covered

Medical and surgical hospitalization costs abroad are covered under the medical expenses guarantee. AXA Assistance can advance hospitalization costs on request. AXA Assistance must be notified within 24 hours of the hospitalization certificate date (except force majeure). The insured must accept any change of hospital recommended by AXA Assistance's medical team. Coverage ceases at the date of repatriation. Limits range from €500,000 (F1) to €1,000,000 (F3) per insured per event.

Outpatient medical treatment abroad

Covered

Outpatient care (visits, consultations, pharmacy, nursing care) prescribed by a medical authority and incurred abroad is covered under the medical expenses guarantee, after deduction of primary health fund reimbursements. Covered within the same limits as medical expenses (€500,000 to €1,000,000 depending on formula). Deductible of €75 (F1) or €50 (F2/F3) per insured applies.

Emergency dental care

Covered

Emergency dental expenses are covered within the medical expenses guarantee. Limits: €150 per insured (Formula 1), €300 per insured (Formula 2), €400 per insured (Formula 3). Only emergency treatment is covered; routine care is excluded. Applies to sudden pain or trauma occurring abroad during the period of validity of the guarantees.

Medical transport

Covered

Organization and coverage of medical transport at actual cost (frais réels), decided exclusively by AXA Assistance's medical team. Transport may be by economy class aircraft, first class train, or taxi. After health consolidation, return home or continuation of trip to next destination is also covered up to €10,000 per insured. Any refusal of the solution proposed by the medical team results in loss of medical assistance guarantees.

Medical evacuation and repatriation

Covered

AXA Assistance's medical team organizes and covers medical evacuation and repatriation to the appropriate medical facility or home. The choice of destination, date, accompaniment need and means of transport rests exclusively with AXA Assistance's medical team. Costs covered at actual cost (frais réels). Includes sending a doctor to the insured abroad if circumstances require it. Also covers return of accompanying insureds to their home.

Repatriation of remains

Covered

AXA Assistance organizes and covers the repatriation of the body or ashes from the place of death to the place of burial in the insured's country of residence. Post-mortem treatment, coffining and necessary transport adjustments are covered. Coffin costs related to transport are covered up to €2,300. Funeral expenses, ceremonies, local convoys, burial or cremation remain at the family's expense. The choice of companies involved rests exclusively with AXA Assistance.

Search and rescue costs

Covered

Reimbursement of search and rescue expenses incurred to locate and evacuate the insured to the nearest reception center, by duly authorized companies. Covered up to €10,000 per insured and €20,000 per event, within a maximum of 60 hours of search per event. Excluded: costs resulting from non-observance of site operator safety rules or from practice of professional sports, expedition or competition.

Legal assistance abroad

Covered

Covered for all formulas. In case of unintentional violation of local law abroad in the context of private life, AXA Assistance provides: (1) advance of criminal bail up to €15,000 per insured; (2) attorney fees up to €3,000 per insured. The advance of bail is remitted directly to the local judicial authority. The insured must repay bail advances within 30 days of the enforceable court decision, or within 60 days of the date of payment in any case.

24/7 assistance service

Covered

AXA Assistance is available 24 hours a day, 7 days a week by telephone at +33 (0)9 75 18 02 96 (option 1) for assistance guarantees. Includes access to the medical teleconsultation service (Doctor Please! app or phone), medical team coordination, emergency medical repatriation organization, and transmission of urgent messages. Included in all formulas at no additional cost.