Groupama

Medical expenses outside country of domicile

Covered

Reimbursement of medical fees, prescribed medications, ambulance, hospitalization (when medically non-transportable), and emergency dental costs (capped at 150 EUR, no deductible) incurred outside the country of domicile. Zone 1 (Europe and listed countries): up to 30,000 EUR with 50 EUR deductible. Zone 2 (rest of world): up to 150,000 EUR with 50 EUR deductible. Coverage is secondary: pays the portion not covered by the insured's primary health insurance. Requires prior agreement from Mutuaide Assistance. Ceases when repatriation becomes medically possible.

Emergency medical treatment

Covered

Emergency medical treatment is covered under the medical expenses reimbursement guarantee (Article 7). Covers medical fees and prescribed medications following sudden illness or accident outside the country of domicile. Zone 1: up to 30,000 EUR (50 EUR deductible); Zone 2: up to 150,000 EUR (50 EUR deductible). Prior authorization from Mutuaide Assistance is required except in genuine emergencies.

Outpatient treatment

Covered

Outpatient medical fees (consultations, prescribed medications) are covered under the medical expenses reimbursement guarantee, within the overall ceiling applicable to the zone (Zone 1: 30,000 EUR; Zone 2: 150,000 EUR). A 50 EUR deductible applies. Prior agreement from Mutuaide Assistance is required. Minor ailments that do not prevent continuation of travel are excluded.

Emergency dental care

Covered

Emergency dental care is covered up to 150 EUR with no deductible applied. Covered within the scope of the medical expenses reimbursement guarantee. Dental prostheses are explicitly excluded.

Medical transport

Covered

Medical transport and repatriation are covered at actual cost (frais réels). Covers transport to the nearest appropriate medical facility or back to the insured's home country. The Mutuaide Assistance medical team decides the transport modality. Ambulance costs to the nearest hospital are also covered for minor cases not requiring full repatriation. Excess baggage costs remain at the insured's expense.

Medical evacuation and repatriation

Covered

Medical evacuation is covered at actual cost (frais réels). Mutuaide Assistance organizes and covers all repatriation costs to the insured's home or nearest appropriate hospital. Only medical criteria are considered for the timing, transport means, and destination. Refusal of the solution proposed by the medical team cancels the assistance guarantee entirely.

Repatriation of remains

Covered

In the event of death during the stay, Mutuaide Assistance organizes and covers: transport of the body at actual cost (frais réels), legally-required conservation costs, and necessary transport-related costs (handling, specific arrangements, packaging) up to 2,500 EUR. Family member travel costs for death formalities are also covered (round-trip train 1st class or economy air + hotel up to 80 EUR/night, max 4 nights).

Search and rescue costs

Covered

Search and rescue costs at sea or in the mountains following a life-threatening event are covered up to 5,000 EUR per person and 15,000 EUR per event. Only costs invoiced by a duly approved organization are reimbursable. Mutuaide Assistance must be notified within 3 days of the intervention (except force majeure). Additionally, on-piste ski rescue costs are covered up to 1,500 EUR per person per event, including helicopter costs when ground rescue is impossible.

Winter sports / on-piste rescue

Covered

On-piste ski rescue costs are covered up to 1,500 EUR per person per event for accidents on open and marked ski runs (Article 7 - Frais de secours sur piste). Covers sled descent and helicopter or other means when ground services cannot reach the accident site. Mutuaide Assistance must be notified before the end of the ski stay or within 48 hours of the rescue. Competitive snow sports with national/international rankings, as well as off-piste extreme skiing, are excluded under general exclusions.

Personal liability abroad (Responsabilité Civile Vie Privée à l'Étranger)

Covered

Covers pecuniary consequences of civil liability for bodily injury, material and consequential immaterial damage caused to third parties during private life activities abroad. Total limit: 4,500,000 EUR per claim (bodily + material + immaterial). Sub-limit for material and consequential immaterial damages: 750,000 EUR per claim with 150 EUR absolute deductible. Legal defense costs are covered by the insurer. Insured by Tokio Marine Europe Insurance Limited (policy no. 35.806.460). Applies only to persons domiciled in metropolitan France or overseas departments who subscribed via a tour operator or travel agency.

Legal assistance abroad

Covered

In the event of judicial proceedings or incarceration for unintentional violation of local laws abroad, Mutuaide Assistance provides: advance of criminal bail up to 8,000 EUR; advance of lawyer fees up to 1,500 EUR. Advances must be repaid within one month of Mutuaide's reimbursement request. Not applicable for facts related to professional activities or use of motor vehicles.

24/7 assistance service

Covered

Mutuaide Assistance operates a 24/7 assistance service (7 days/7, 24h/24) reachable at +33 1 55 98 87 89 or medical@mutuaide.fr. A telephone call from the insured at the time of the event is the sole trigger for assistance services. The service organizes all medical, logistical, and legal assistance measures provided under the contract.