AXA

Covers medical expenses incurred abroad following a medical incident (illness or accident), after deduction of a franchise of maximum EUR 40 per claim per insured, and after exhaustion of benefits guaranteed by any third-party payer (social security, supplementary health insurance). Maximum EUR 150,000 per insured. Includes medical and surgical fees, prescribed medications, small emergency dental care up to EUR 125 per insured (prostheses excluded), hospitalization costs if the insured is deemed untransportable by AXA Assistance physicians, and local medically-ordered transport. Reimbursement is complementary to social security and supplementary health insurance.

AXA Assistance coordinates with local medical professionals from the first call in case of a medical incident abroad. Emergency medical treatment costs are covered up to EUR 150,000 per insured (after EUR 40 maximum franchise per claim per insured and after social security reimbursement). Covers medical and surgical fees, prescribed medications, emergency dental care up to EUR 125 per insured, local medically-ordered transport, and hospitalization when deemed untransportable.

Hospitalization costs abroad are covered as part of the overall medical expenses limit of EUR 150,000 per insured, provided the insured is deemed untransportable by AXA Assistance physicians. Covered under the public regime; private regime covered only if justified by technical and medical imperatives and pre-approved by AXA Assistance medical team. AXA Assistance can advance hospitalization costs.

Outpatient medical care abroad (not requiring hospitalization) is covered within the overall EUR 150,000 medical expenses limit per insured. For non-hospitalization medical expenses, reimbursement is made after the fact and is limited to a maximum of 2 medical visits per year of guarantee, on production of a medical certificate. No prior authorization from AXA Assistance required for non-hospitalization outpatient care.

Small emergency dental care abroad is covered up to EUR 125 per insured (prostheses excluded). Covers emergency conservative dental care (following an accident or acute crisis) performed by a qualified dentist. This coverage falls within the overall medical expenses limit of EUR 150,000 per insured.

AXA Assistance organises and covers local medically-ordered transport. Choice of transport means belongs to AXA Assistance: rail (1st class) for distances under 1,000 km; economy class airline for distances over 1,000 km. Repatriation or transport to a better-equipped medical centre is organised and covered when deemed necessary by AXA Assistance medical team, by rail (1st class), light ambulance vehicle, ambulance, scheduled airline (economy class with special arrangements if needed), or air ambulance. For events outside Europe and Mediterranean countries, transport is by scheduled airline (economy class) only.

AXA Assistance organises and covers medical evacuation (transport of the ill or injured insured, accompanied by medical personnel if necessary, to a better-equipped or more specialised medical centre, or back to Luxembourg) when deemed medically necessary. The decision on means of transport and choice of hospital belongs exclusively to AXA Assistance physicians. Medical evacuation is only envisaged in cases of medical emergency where appropriate treatment on-site is impossible.

In case of an insured's death abroad, AXA Assistance organises and covers the repatriation of the remains, including funeral treatment costs, laying-in-coffin costs, coffin costs up to EUR 620 maximum, and transport of the remains from the place of death to the place of burial or cremation in the country of the insured's legal domicile. If burial or cremation takes place locally abroad, the same services are provided along with a round-trip journey for a family member to attend. In case of cremation abroad with ceremony in Luxembourg, AXA Assistance covers the repatriation of the urn. AXA Assistance intervention is limited to the costs that would be incurred for repatriating the remains to the insured's country of legal domicile.

AXA Assistance reimburses search and rescue costs incurred to safeguard the life or physical integrity of an insured abroad, up to the equivalent of EUR 5,000 maximum per claim. The rescue must result from a decision by competent local authorities or official rescue organisations. The event must be reported to AXA Assistance as soon as it occurs and an attestation from local authorities or rescue organisations must be provided.

In the event of a road traffic accident abroad resulting in judicial proceedings against the insured, AXA Assistance advances: the criminal bail bond required by judicial authorities up to EUR 13,000 maximum per insured; and lawyer's fees up to EUR 1,300 maximum per insured. The insured must repay the advanced amounts to AXA Assistance within two months. AXA Assistance does not intervene in judicial costs in Luxembourg for actions taken by the insured abroad.