Mutual Insurance Company for Teachers of France (MAIF)
MAIF
MAIF is a travel insurance for the France market with online purchase and 24/7 assistance.
Direct payment
MAIF Assistance directly organizes and pays medical, hospitalization and repatriation costs abroad with hospitals and service providers; the insured must subsequently pursue reimbursement from social security bodies and refund MAIF Assistance for amounts recovered.
Geographic scope
Worldwide, with unlimited duration in mainland France, French overseas departments/territories (Guadeloupe, Martinique, Réunion, Saint-Barthélemy, Saint-Martin) and Monaco; all other countries worldwide for stays not exceeding one year
Judicial recourse (legal protection / recours) is never exercised by MAIF outside mainland France, the French overseas departments/territories where MAIF operates, and Monaco.
Unique selling points
- Travel medical assistance is automatically included at no extra cost in every MAIF home insurance policy, removing the need for a separate travel policy for trips up to one year.
- Medical and hospitalization expenses abroad are reimbursed up to €80,000 per insured person, a level above many entry-level standalone travel policies.
- MAIF Assistance operates a hotline reachable 24/7 from France and abroad, including an SMS line for hearing-impaired beneficiaries, to organize emergency care and repatriation.
- Search and rescue costs for missing persons are reimbursed up to €7,700, even when no accident has actually occurred.
- Mountain rescue costs abroad are covered whether or not the activity is linked to skiing, unlike policies that restrict this benefit strictly to ski-related incidents.
Coverage limits
Medical expenses abroad
€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.
Emergency medical treatment abroad
€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.
Hospitalization abroad
€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.
Outpatient treatment
No limit stated
No distinct outpatient-treatment sub-limit is disclosed separately from the general medical expenses guarantee.
Emergency dental care abroad
No limit stated
Dental prosthesis reimbursement is provided only under the domestic bodily-accident guarantee, not specifically as an emergency dental benefit within the travel assistance guarantee.
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.
Medical evacuation / sanitary repatriation
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.
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.
Search and rescue costs
€7,700
Search and rescue costs for human lives are reimbursed up to €7,700, even in the absence of an accident.
COVID-19 / viral disease 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.
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.
Mountain / winter sports rescue costs
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.
Adventure sports cover
No limit stated
No specific adventure-sports assistance benefit is disclosed in the sources.
Pregnancy complications
No limit stated
No specific pregnancy-complications benefit is disclosed within the travel assistance guarantee.
Personal liability (extended abroad)
€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.
Legal assistance / recours abroad
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.
24/7 assistance hotline
Covered
MAIF Assistance can be reached 24 hours a day, 7 days a week, from France (0800 875 875) or abroad (+33 5 49 77 47 78), with an SMS line for hearing-impaired beneficiaries.
Key conditions
Assistance call deadline
No strict deadline is stated for calling MAIF Assistance to trigger travel assistance; as a general rule, any event likely to activate a guarantee must be declared within 5 business days of becoming aware of it (30 days for a declared natural catastrophe).
Unauthorized treatment
Care must be prescribed in agreement with MAIF Assistance's doctors; as a matter of principle, MAIF Assistance does not cover expenses that the beneficiary incurs on their own initiative without such prior agreement.
Purchase while abroad
Not applicable: this travel assistance cannot be purchased as a standalone policy while abroad; it is automatically included within the MAIF home insurance contract taken out beforehand in France.
Chronic conditions
A chronic condition as such is not covered, but a sudden and unforeseeable worsening of a pre-existing condition, medically established, can qualify as a covered 'illness' under the assistance guarantee.
Pregnancy
Pregnancy-related medical events are not specifically addressed within the travel medical assistance guarantee; the separate trip-cancellation option excludes pregnancy beyond the third month from cancellation cover.
Pre-existing condition exclusions
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 or stay.
Coverage duration limit
Cover applies without limitation of duration in mainland France, the French overseas departments/territories and Monaco, and applies elsewhere in the world provided the trip or stay does not exceed one year.
Documents
MAIF Home Insurance General Terms and Conditions (current, incl. travel assistance guarantee)
Terms & conditions
IPID - MAIF Home Insurance (current)
IPID
Formulas comparison table (Formule 1/2/3)
Table of benefits
MAIF Home Insurance Raqvam 2 General Terms and Conditions
Terms & conditions
IPID - MAIF Raqvam 2
IPID
MAIF Home Insurance Raqvam 1 General Terms and Conditions
Terms & conditions
IPID - MAIF Raqvam 1
IPID
Policy specifics
Medical expenses limit
Medical expenses and hospitalization abroad are covered up to €80,000 per beneficiary
SourceTrip cancellation limit (individual)
Trip cancellation/interruption reimbursement ceiling of €2,000 per event for individual formula
SourceTrip cancellation limit (family)
Trip cancellation/interruption reimbursement ceiling of €5,000 per event for family formula
SourceMaximum trip duration
Travel assistance and medical coverage apply for stays abroad up to one year maximum
SourceViral disease exclusion
Viral infections including COVID-19 are not covered by MAIF travel assistance
SourceMedical repatriation
MAIF covers organization and payment of repatriation to France in case of medical emergency, via Inter Mutuelles Assistance
Source