Groupama Travel insurance (Assurance Voyage Sejour Individuel Familial)

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.

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.

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.

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.

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

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.

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.

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€.

Sources disagree on the per-person and per-event limits for search and rescue costs at sea or in the mountains: the Mutuaide contract notice caps it at 5,000€ per person (15,000€ per event), while Groupama's current travel insurance page states a cap of 10,000€ per person (20,000€ per event).

Covered under both the Zen and Confort formulas: medical costs, repatriation, accommodation and an emergency kit if return is impossible or quarantine is imposed, and a local phone package during the trip; before departure, telemedicine consultation and trip cancellation after a positive test; after the trip, psychological support sessions and home-help hours following a quarantine or repatriation.

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.

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.

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.

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

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.

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.