AXA Assurances Luxembourg S.A.
AXA
AXA is a travel insurance for the Luxembourg market with no online purchase and 24/7 assistance.
Direct payment
AXA Assistance may advance medical costs incurred abroad directly to the insured or to the care provider; reimbursement of medical expenses is complementary and only covers the shortfall remaining after intervention of Luxembourg social security and any other insurance or provident-fund coverage. If AXA Assistance advances the funds, the insured undertakes to claim reimbursement from social security/other organism within two months of receiving the invoices and to repay AXA Assistance the amounts recovered.
Geographic scope
Worldwide
The Travel option's guarantees (cancellation, luggage, assistance) apply worldwide from the moment the insured leaves their home in Luxembourg; however, medical costs incurred within Luxembourg (the residence zone) are not covered, even if consequent to an accident or illness that occurred abroad.
Unique selling points
- The Travel option bundles cancellation, luggage, medical expenses and repatriation into a single package that covers the insured and their family worldwide, all year round.
- AXA Assistance can advance emergency medical costs abroad on the insured's behalf, who then only needs to seek reimbursement from social security after returning home.
- If luggage is lost or stolen abroad, AXA Assistance organises delivery of a replacement suitcase and covers essential first-necessity purchases.
- A single 24/7 phone line coordinates medical, legal, luggage and lost-document assistance wherever the insured travels in the world.
- Includes a distinctive family-protection benefit: repatriation of parents from abroad if a child left at home is hospitalised in Luxembourg.
Coverage limits
Medical expenses abroad
€150,000
Following a medical incident abroad, AXA Assistance covers medical costs (honoraria, medication, dental care, hospitalisation, local medical transport) up to 150,000 € per insured, subject to a 40 € excess per claim per insured, complementary to and after exhaustion of social security and other provident-fund cover. Medical costs incurred in Luxembourg are excluded.
Emergency medical treatment
€150,000
Medical and surgical fees and prescribed medication following an accident or sudden illness abroad are covered within the overall 150,000 € medical expenses envelope, complementary to social security.
Hospitalization abroad
€150,000
Hospitalisation costs abroad are covered within the 150,000 € medical expenses envelope for as long as AXA Assistance's doctors consider the insured not fit to be transported.
Outpatient (non-hospitalization) medical care
Conditional
Non-hospitalisation medical care abroad is covered within the overall medical expenses envelope. Up to 2 such visits per insurance year may be reimbursed without prior notification to AXA Assistance, on production of a medical certificate; beyond that, prior contact with AXA Assistance at the time of the event is required.
Emergency dental care
€125
Emergency dental care abroad performed by a qualified dentist is covered up to 125 € maximum per insured; dental prostheses are excluded.
Local medical transport
Covered
Local transport ordered by a doctor abroad is covered within the overall medical expenses envelope.
Medical evacuation
Covered
AXA Assistance organises and finances transport of a sick or injured insured to a better-equipped, more specialised, or nearer-to-home care centre, by rail, light medical vehicle, ambulance, scheduled flight with special arrangements, or medical aircraft, as decided solely by AXA Assistance's doctors according to medical and technical criteria. No monetary ceiling is stated.
Repatriation of remains
Covered
In the event of death abroad, AXA Assistance organises repatriation of the remains and covers funeral treatment, embalming and coffin costs (coffin capped at 620 €), and transport of the remains to the place of burial/cremation in the insured's home country; ceremony and burial/cremation costs themselves are excluded. If the family opts for burial/cremation abroad, AXA Assistance's intervention is limited to the cost that repatriation to the home country would have represented.
Search and rescue costs
€5,000
AXA Assistance reimburses search and rescue costs incurred abroad to safeguard the life or physical integrity of an insured, up to 5,000 € maximum per claim, provided the rescue results from a decision of local competent authorities or official rescue organisations.
COVID-19 treatment
No limit stated
Not addressed in the OptiHome T&C or product page for this Travel option.
Pre-existing / chronic conditions
Excluded
Chronic diseases causing neurological, respiratory, circulatory, blood or renal impairment are excluded, as are relapses and convalescence of conditions diagnosed but not yet stabilised and under treatment before departure and presenting a real risk of rapid deterioration.
Winter sports cover
€125
If a ski-slope accident leads to hospitalisation of more than 24 hours and/or a repatriation organised by AXA Assistance, the ski-pass ('forfait remonte-pentes') is reimbursed pro-rata up to 125 € maximum; sledge-transport costs following a piste accident are reimbursed on the original receipt if reported to AXA Assistance within 72 hours. Off-piste skiing without a guide approved by local authorities is excluded.
Adventure / dangerous sports cover
Excluded
Dangerous activities (acrobat, animal tamer, diver, etc.), professional practice of any sport, participation in competitions or related training, and the practice of sports deemed dangerous are excluded from the travel assistance guarantee.
Pregnancy complications
Conditional
Pregnancy is covered up to the 26th week; pregnancy states beyond the 26th week and voluntary termination of pregnancy are excluded from the travel assistance medical guarantee.
Personal liability
Optional
Personal liability abroad is not part of the Travel option itself; it is available under the separate 'Responsabilités civiles, protection juridique et risques liés à internet' option of the OptiHome policy, which applies worldwide (8,658,260 € for bodily injury / 865,826 € for material and immaterial damage) provided the insured is a Luxembourg resident.
Legal assistance abroad
€13,000
Following a road accident abroad, AXA Assistance advances the criminal bail (caution pénale) demanded by local judicial authorities up to 13,000 € maximum per insured, and advances lawyer's fees up to 1,300 € maximum per insured. Both are repayable advances that must be reimbursed to AXA Assistance within two months.
24/7 assistance helpline
Covered
AXA Assistance is reachable 24/7 on +352 45.30.55 to coordinate medical assistance, repatriation, legal help, lost luggage and documents while travelling worldwide.
Key conditions
Assistance call deadline
Assistance must be requested from AXA Assistance at the time the event occurs; interventions not requested at that time or organised without AXA Assistance's prior agreement are not reimbursed, except for search & rescue costs, ski-slope sledge transport, and non-hospitalisation medical care abroad (limited to 2 visits/year with a medical certificate). Ski accidents must be reported to AXA Assistance within 72 hours.
Unauthorized treatment
If the insured incurs assistance-related costs without AXA Assistance's prior agreement, reimbursement is limited to the amount AXA Assistance would have spent had it organised the service itself.
Purchase while abroad
Not specified in the reviewed OptiHome terms and conditions or product page for this Travel option.
Chronic conditions
Chronic diseases causing neurological, respiratory, circulatory, blood or renal impairment are excluded, as are relapses and convalescence of conditions diagnosed but not yet stabilised and under treatment before departure.
Pregnancy
Pregnancy is covered up to the 26th week of pregnancy; pregnancy beyond the 26th week and voluntary termination of pregnancy are excluded.
Pre-existing condition exclusions
Chronic or pre-existing conditions that are unstabilised, under treatment, or in convalescence before departure are excluded from the medical assistance guarantee.
Coverage duration limit
Cover under this Travel assistance guarantee is limited to trips of a maximum of 90 consecutive calendar days; events occurring beyond this period are not covered.
Policy specifics
Flight and trip cancellation
Coverage for cancellation costs of tickets and rentals when trip is cancelled before departure
SourceMedical expenses abroad
Coverage for medical care and hospitalization abroad with AXA Assistance coordination
SourceMedical repatriation
Coverage for return transport and repatriation in case of serious illness or accident abroad
SourceParental repatriation from abroad
Coverage for repatriation of parents abroad if child at home is hospitalized in Luxembourg
SourceLanguage assistance
Telephone language assistance service for travel arrangements and communication difficulties
SourceWorldwide coverage scope
Travel option provides worldwide coverage all year round for insured and family
SourceAXA Assistance as service provider
AXA Assistance is designated as the travel and assistance service provider coordinating medical and travel support
SourceMedical certificate requirement
Medical certificate must be provided for non-hospitalization medical expenses abroad
Source