Repatriation insurance

Repatriation insurance should not be forgotten when you are going abroad.
Here is a guide to understanding what repatriation insurance covers and how to access the services in the event of accident or illness abroad.

Why take out repatriation insurance?

In France, there is an effective healthcare system and you are covered by both Social Security and your top-up insurance scheme. Your situation is less secure in foreign countries where you are not protected in the event of accident or illness.

Generally, your insurance does not cover you once you leave your home country and the medical environment is not always satisfactory abroad.  Repatriation insurance guarantees that, if you have a serious problem, you will be repatriated and treated in an appropriate environment.

What are the main benefits of repatriation insurance?

Repatriation insurance guarantees your transfer and repatriation in the event of illness or accident abroad. The assistance provider’s medical team determines the place and manner of repatriation in accordance with medical requirements. This may be by light sanitary vehicle, ambulance, train, scheduled airline or air ambulance.

What other benefits might be offered?

Depending on your policy, you might be entitled to other benefits to protect you against potential risks:

  • In the event of illness or injury:
    • search and rescue expenses,
    • presence of a relative in the event of hospitalisation,
    • sourcing and delivering medicines not available locally,
    • repatriation of other beneficiaries if the insured is repatriated.
  • In the event of the death of the insured or a relative:
    • early return home if a relative dies,
    • cover of coffin expenses and repatriation of the body,
    • repatriation of other beneficiaries living with the insured.
  • In the event of the loss or theft of ID documents, baggage or travel tickets:
    • cash advance or a new ticket,
    • transmission of urgent messages.
  • In the event of an unintentional violation of the laws of a country:
    • legal fees,
    • advance of bail.

How to access repatriation services

If you suffer an accident or illness abroad, you should contact your insurer’s helpline using the number on your insurance card.

The assistance coordinator will assess your needs and help you manage your problem. In some cases, you will be put in touch with a doctor and you may even be repatriated, depending on your state of health and the medical facilities available locally.

We suggest you keep your insurance card in your wallet. That way you'll always have the numbers you need to contact the assistance helpdesk when problems arise.

Date of publication May 7, 2012

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