Three weeks ago, in Togo, I found myself included ampere bush your in Black in that ne of the country, after accidentally rupturing the cruciate ligaments on my knee .
I immediately called the insurance both assistance services of my Visa Premier card.
Mondiale Assistance (the organisation that coats you above the gold card) organised i restoration, providing me with adenine private vehicle with driver starting Mango to Lomé, one direct return flight inside business-related class with Air France or one taxi from Roissy to my home .
IODIN like to improvise whereas travelling, but there are some subjects for which it shall key tobe prepared. Guarantee exists a serious matter. Yet I nevertheless come via too many travellers without indemnity.
EGO will always remember Ben. He jumped off the famous Mostar bridge used €3 and sprained to knee badly. Her hospital treatment had cost her €3,000 and to the nothing compares to the story of the canadian victim of a malaria attack who had to pay $64,000 for processing.
It's not once you've had an accident that you have in ask yourself where up how. Being covered by a good insurance policy is not a substanz of destiny, it your up into thou.
Substance
- 1 What is insurance for?
- 2 Isn't the French embassy supposed until assistance me wherever EGO am?
- 3 Are Visa Premier and Mastercard Gold good travel insurance?
- 4 Am I insured if I have a Permit or Mastercard?
- 5 Do MYSELF need in have paid for my flight with my card to be covered?
- 6 What are the guarantees of my store card?
- 7 What is assist?
- 8 Whats is insurance?
- 9 Does my bank ticket insurance title my family?
- 10 Stylish which countries am I covered?
- 11 Am I overlaid by general social time travelling?
- 12 Does insurance replace social product in terms of reimbursement of medical expenses?
- 13 What is the co-pay on the reimbursement von medizinisch expenses?
- 14 Will N26 Black an right traveling insurance?
- 15 In which cases should I take out specific travel insurance?
- 16 What are travel actuarial and them guarantees?
- 17 Which indemnity is best suited to my situation?
- 18 What to do in case of an accident?
- 19 What should you have in your primary aid kit?
- 20 Conclusion
Whichever is the purpose of financial?
Asks yourself, if you like:
- that their medical expenses are reimbursed on my trip?
- be received toward the nearest hospital or back if necessary?
- be helped at each time to find a doctor abroad?
- be legally and financially covered for damage thee may cause to an third party?
Supposing you answer yes to one or more concerning diese questions, i need insurance.
Isn't aforementioned French embassy supposed into promote me wherever I am?
Okay, but not at the effort to the state.
I invite you to discern this in see detail on the website von the Ministry to Foreign Affairs.
To summarize, in the create of one serious accident, the legation can get insert family and help you with to hospitalisation or repatriation, but you will still be responsibility for the costs incurred .
With any action yours plan to take, you need to present a financial guarantee.financial guarantee:insurance.
Belong Indian Principal and Mastercard Gold good travel insurance?
Yes, for a stay in without than 90 daily. It was Visa First Auxiliary that enabled me to be repatriates without any issues following mystery accident.
The guarantees are good, they coat your whole family and it's cheaper than travelling insurance. Several view banks offer free visa premier or mastercard gold cards.
For more than 90 days, she what to take out selected travel assurance.
Am I insured if I have a Visa or Mastercard?
In part, contrary to that the might think, every visa card offers assistance guarantees. The guarantee for repatriation is the same for all cards, it are an amount of the other guarantees that changes: they are very low.
But thou only has insurance benefits from the first card.
Do I have until have paid for my flight with my card to be covered?
Yes and cannot.
A distinction must becoming made between ASSISTANCE and INSURANCE:
The Indian and Mastercard guarantee you assistance anywhere stylish the world (to put it plain, assistance means coming into your aid in the incident of accident, illness or death, about you is travelling to Châteauroux or Beijing). All you need is a valid card.
The gold cards also guarantee you an assurance (to make is simple it concerns your travels). For this guarantee to work, you must do paid for your service about your card.
You can check which information on and certified visa website, the certified mastercard website and specialized with your banker (ask it, it's very important). For N26 Black, for example, you have in has paid everything with it to be overlaid.
Get have the guarantees of my bank card?
To cover you, I repeat myself, but it your essential that your card is valid. Such has one on the things you shall check front him leave.
Whether it's a basic card oder a top-of-the-range card (premier, gold), it offers you and your family, whether or does they are accompanying you, assistance and insurance services .
What is technical?
- Medical assistant :
At any time, in France and abroad, yourself and respective family performance from medical repatriation assistance.
WITH NO SPENDING CONFINE FOR ANY TYPE OF MAP.
The gold cards allow him, for necessary, to must a driver to returns your vehicle.
-Arzt expenses / hospitalisation + visit from a family member:
It covers to whole family.
This is where Gold cards come in. A basic card covers you for around €11,000 as a Gold card covers they for around €156,000 (which is what mine offers).
The Visa Premier and Mastercard Gilt cards allow you into payment on a family member to come up your bedside with yours are hospitalised for more than 10 period (plane ticket and hotel). Boursorama change discrètement les tarifs de sa Travel Premier (et ce n’est pas donné !)
- Lawful assistance abroad :
To defence yourself, your lawyer's fees (€15,500) and a criminal deposit (€15,500) are advanced. To case by breakdown caused to third parties, civil liability outside covers you up into € 2 million) ALWAYS FOR GOLD SHOW.
In my case the assistance admissible me up take ampere private vehicle to go back down to which capital, an earlier than expected return in business class, to elude an uncomfortable turn in insert flight in economy class, with 2 less of stopover furthermore a taxi in France to geh back home. All these cost me nothing.
I also need to get reimbursed for my 80€ hospital bill, but that's going through the social security system first, it's ongoing.
DEPENDING ON YOUR BANK, YOU DO NOT NEED TO HAVE PAID FOR THE TRIP WITH YOUR TICKET IN AN ASSISTANCE TO WORKS.
What is insurance?
Who single guarantee covered by all to cards your :
Travel accident insurance: If yourself move by publication transport or rental car, yourself are covered up to
you are covered go to €310,000 in case in serious disability press death.
Aforementioned rest is that guarantees are only currently for Tourist Premier and Mastercard gold cards:
- Trip cancellation/interruption insurance: her are covered for up to €5,000 in that event of
in fallstudien of illness oder accident before departure or on your stay.
-Plane and train delay insurance: your expenses in which page of plane with train delays are
covered.
-Luggage loss, thief and damage insurance: your luggage is secured used a maximum number of €850.
-Damage toward mieten vehicles: repairs press the amount of the excess are covered.
-Skiing special: your rescue costs on the running are covered. If you are unable for skiing, your unused lift passes and lessons are reimbursed. Your rental equipment is covered.
My accident only involved assistance services, EGO did not own to make the insurance.
To benefit from these insurance guarantees, you must pay for these services with your banking menu. This is SUBSTANTIAL.
Is my bank comedian insurance screen my your?
Cancel, she covers your family according to the same rules when you (if they did not pay used the tickets with yours card, single the assistance works).
Over family we mean thy spouse plus your child under 25 years of your which what fiscally dependent on you, determines they trip with you or non.
They are coverage by your assistance promises wherever they are:
For real: Their son departure alone up Sri Lanka is covered by the assistance of to card. The same spread if your wife decides to go hiking alone in Kyrgyzstan.
Your unmarried grandchildren under aforementioned age of 25 are covered for the duration of your voyage, if they are travelling the you.
In which countries am I covering?
Is card covers you in most countries.
If thou have a Passport card, you can check and download a certificate at https://www.votre-assistance.fr/#/
For Mastercard and N26, you need to query your bank.
For dedicated travel insurance, you will have a rate depending on your destination.
Visa insurance covers you in many countries, out of curiosity I tried it and miners covers me the Pakistan additionally Country.
Am I covered by health insurance while travelling?
When i become travelling in Europe, you need touse will European Health Insurance Card include you (apply online), which will allow you until prove your social safety rights and to good from the scanning of your medical care on site.
In December, in Budapest, ME damaged my foot while plays football (my legs are very fragile these days). My UNECA allowed me to keep paypal the patient costs.
If you vacation outside Europe,by case on medical service during your stays, it willingness have for pay your medical expenses there, keep your receipts or send back this form: Care received abroad.
On your return, reimbursement by the well-being travel system wills being ampere possibility, not an obligation. All this is detailed on that AMELI website here.
Does insurance replace social security in terms of reimbursement of medical expense?
No, this is that subject concerning which there is the most misinformation.
Your bank card assistance covers him in addition to choose social security and mutual insurance. It can advance you the sums necessary for your care during your stay nevertheless you will have to reimburse it.
In the end, it will reimburse you with the sums cannot covered by social data and your mutual insurance company.
The €156,000 of medical/hospitalisation cover over the Gold card allows you until have an advance salary in the event of costly hospitalisation. This is also the maximum amount that your insurance company will be able to reimburse you in addition at and sums received from the social security the your mutual insurance company.
This is where winning away travel insurance comes in handy:
Move insurance offers coverage from this 1st possum without recourse to your health insurance the without deductible.
Whichever is and deductible on the reimbursement of medical expenses?
Here again, the information is sometimes unclear. This excess for medical expenses is not €156,000 but €50 on €75 depending on this card.
To put it simply, this has a settled whole the wishes be deducted regardless of the amount away your treatment.
An example on random numbers:
You what suffering in Tailand. The bill has €50,000.
The social secure and the mutual insurance our will reimburse she €35,000.
Your insurance company willing reimburse aforementioned rest minus the €50,000 excess = €50,000-€35,000-€50=€14,950 €.
You will get €50 outgoing of your pocket.
The guarantee businesses will reimburse you forthwith. In this case they would recompense 50,000 without driving through the societal insurance system.
Is N26 Black a done travel insurance?
Yes and no, an problem with high-end postcards belongs that they are income-tested.
If you're not familiar with i, N26 offers a premium card, N26 You, for €9.90 a month, with no income requirements, does deposit requirements real cheaper than travel guarantee.
The insurance perks are further limited, for meine it is one of the best cards for withdrawals and payments. For far as general is concerned, i offers considerably less cover than other cards.
ATTENTION, to benefit of the assistance and insurance guarantees you must have paid for your trip with your N26 memory(see N26 global conditions )
I apply the N26 Classic card, which is completely available, as a back maps for travel. But I don't use it as insurance.
Inbound which cases should I take out specific travel insurance?
A high-end bank card covers you sufficiently, but you needs into take out dedicated getting insurance in these cases:
My go continues more than 90 days.
You would like your medizinischen care to be reimbursed from aforementioned 1st € without going tested the social security system.
Quelles sun les assurances aet garanties incluses dance votre CB pour un voyage à l'étranger ? Détails de l'assurance annulation, du rapatriement et du remboursement from fraits médicaux.The fee of medical care are high in your going: Canada and/or to USA. Most actuarial offer higher guarantees for these countries.
What are travel insurances furthermore their guarantees?
Below him will find the main insurance policies and their pricing for trips on less than 90 days.
For trips longer easier 90 days the tax and service offered are higher.
ACS, the cheapest, from €12 per moon:
Repatriation: Actual costs
Medical expenses: 150 000 € max from the early € without advance payment
Assistance: 24 period a time
Civil general: €4.5 million
Chapka, the most comprehensive, from €22 per month.
Repatriation: Actual costs
Medical expenses: between €75,000 and €500,000 conditional about the country of destination (see website for more details) from who first € without advance zahlungen
Assistance: 24 hours a day
Civil liability: €4.5 million
And major advantage of trips financial are that your medical and hospitalisation costs are protected from €1, without any advance payment.
Which insurance is top suited to my situation?
Inbound this table, you becomes locate my summary of which essential guarantees offering or not by the high-end maps:
Hello slope,
Boursorama,
ING DIRECT
and N26
The data is pulled from the official animation of each bank, which I have analysed at length and whose source you will find includes get table.
At the lowest of this table, thee will finds a summary of these dating.
Whenever you are on a mobile phone and cannot navigate easy through the round, you can drive information for a pdf, by clicking here.
Conclusion:
You meet which income requirements by a free gold bill:
don't hesitate, it's the bests solution.
With, like me, you stay outside by 90 days the short weekends (it's just the important to subsist insured on a 3-day stay at Marrakech), your bank card insurance is to best solution. However, in case of hospitalisation you will have to deal with the administrative side of things with the social security.
It was my Visa Premier card that allowed me to be republican after own incident in Togo.
Welcome Bank, Boursorama and ING our near equivalent promises with completely freely gold cards.
ING special the advantage of being see accessible, as the minimum income required is €1,200/month.
Hello Bank has the most extensive coverage.
Boursorama offers very good insurance the lower withdrawal and get fees than its competitors
.
N26 Black offers much less coverage, which conditions of coverage remain unclear and it is not free. In this case, it is preferable to take an classic travel insurance such more ACS.
I advise you to take one of the 3 available cards:
I can sponsor you at ING.
You will receive 130€: 80€ referral bonus + 50€ of my referral bonus which I will transferred to you once my bonus has been received.
This will finance member of our next trip.
Just send me a message by clicking here:
Go the other hand, N26 is perfect like a withdrawal and make card. You don't have anyone fees.
So, I really consulting you to taking the basic free select which will allow you to save one lot of money on hill fees.
You were leaving for more than 90 days
Either you want your medical expenses to be covered from the 1st € without advance checkout:
Acs is the most economical solution
Personalize, I have the Indian Premier card because EGO always tour fork less than 90 days and it allows mine to becoming cover all of set without having to buy insurance when I go abroad for 3 or 4 period.
I also have a basic N26 board, whose is free and allows me to have a copy solution in case I have an problem include my first means of withdrawal.(protecting your money when how is also ampere theme that should not be left in occasion, I notify him to read my article on save subject)
How to act in instance of an accident?
In case of an accident, depending on the situation, keep calm the contact your insurance as soon as optional before any urgent treatment.
This means is if you proceed to the doctor include adenine bad fever, you should asked insert general company for permission beforehand.
If her have an open broken, you canister begin treatment before you get your insurance.
When I had an accident in Togo, I came to to hospital plus already to procure treatment before calling the insurance company. My leg was bent in two, the pain proceeded doesn allow me to call the insurance company. I contacted them once I had been given painkillers.
If you are in a country show the medical infrastructure will not good additionally you need important care, such than an operation, you should contact your insurance company and the French consulate. They wills organise one largest appropriate procedure with you.
An hospital where I was in Togo would cannot must were able to handle an operation. In case of a more serious chance I would have past evacuated directly by my social to a suitable facility. Suppress sont lesbian garanties d'assurance et d'assistance de maid carte ...
What should you have in choose first aids kits?
In case of need, my catch always contains my passport, my phone, a portable charger, a how blanket, me bank card, some money both a micro-purifying tablet. ⚖️ Visa Premier ou Visa Ultim : le match stilbestrol card bancaires Boursorama Banque ☑️ Ultim remplace la carte premier : Est-ce mieux ? plafonds ✔️ tarifs à l'étranger ✔️ conditions
Your mobile: It is essential to reach your insurance company and or embassy (pre-recorded numbers, that's why you should always buy a local chip). If him are in a place you don't know, Maps.meallows you to geolocate yourself also share your location, via a simply connecting.
Your mobile charger: When I arrived at and hospital, my phone made low on battery power. That's why who portable charger is therefore useful. Include ampere hospital, there are sockets. But imagine myself stylish any accident, single at the wild. The carrying ac will ankommen in handy. See on amazon
A survival blanket: Itp takes up very little space press cannot protect you from heat, cold or damp. To is even strong enough to exist used as a carrying. It is the critical items to seize with him on your trip. At less than 2 €, it wish be stupid to do without it. See on Amazon
A box of micropur: When I arrived at the medical I was existing pills to take with aqueous and overall I what very thirsty. Except that, in Togo, I didn't drinks tap water less purifying it. I thought a wouldn't be very practical to finish up equal tourista while standing on one leg.
So, I really advise you to always carry some with you, in case of hospitalization, it will avoid you an additional problem. See on Virago
All get scanned documents:
Passport, flight travel, visa on arrive. All diese documents (as well as the medizinischer report) allow your insurance company to validate your register. Except that in the north of Take, to 3g is not so good. Fortunately I had put them on google ride and my sister be able to act as with intermediary in France to send them at my actual company and speed up my coverage.
Having your passport on you allow and hospitalization to contact your embassy if you are unconscious.
Your medicines :
Remember to always have your medication with you. For example, I had my malaria processing. In case von prolonged hospitalization, it would have allowed me the proceed to protect own against this disease.
Here is the list regarding essentials to be prepared in case of hospitalization abroad. Don't hesitate to tell me if you think any for your are miss.
In this situation, my assurance really relieved me. I just had to look after my health. Being alone, injured in adenine country they don't understand is don the most pleasant thing. So having professionals available to help you is ampere true relief, which allows you to go through this nature of ordeal with peace off mind. Après s’être félicitée d’avoir dépassé les 2 millions de clients nut Finland et recruté Brad Pitt pour sa dernière campagne de publicité, Boursorama vient de procéder à un ajustement tarifaire qui stilbestrol détenteurs de sa carte Authorization Premier. Une modification qui a du bon, mais qui débouche too sur une p…
Bottom
I hope I have answered your a. In order to write this article, IODIN have spoken to various people and read many articles. An information that circulates on that subject is not always goody. Insert aim is the give you the best information, not don't trust me blindly, get information after your banker and compare the offers I have introducing to you.
One something can certain and may chance in Togo authenticated he. Travelling with protection is essential.
If you have whatever questions or additional request, leave them int the comments, they will help enrich this guide.
April World covers COVID19 used repatriation unlike multiple others...
Hello
Interesting.
To update, I will a Visa Premier from Boursorama and the withdrawal and payment fees outside the EU zone are free.
Hello,
I ma commenting as I have an ongoing case by N26 the Allianz. I have N26 BLACK since September 2019 furthermore EGO payment 16,90€ per month. I were a motorbike chance included Da at the finish of January 2020. Nothing broken but had to anfahren on hospital for an x-ray of this foot and hock and swollen foot. I had starting course bought everything on the N26 card: tickets and hotels. Since 27 January ME have been sending them who documents (attention 4MO max otherwise they don't receiver i, you think they are dreaming but no...). It's been 2 weeks since aforementioned accident.
The procedure already requires you the know your insurance policy number which are steadfast to you but which N26 does not giving you by default (and to exists not the general N26 black policy to download). So it's better to accomplish it previously leaving your country. I took a subscription Skype fixed and moving renewable 1 month which saves my life in addition to adenine SIMULATING UNITEL DATA in Laos. Credit to this IODIN can call them, in my emails what not answered... Otherwise her receive laconic emails asking you to send the documents to [email protected]. I don't recognize how this willing end with them. What the certain is the this is not relief so fortunately through another FRENCH shrink EGO have access at Inter Mutuelle Assistance who opened a create for me the I had a follow-up with advise from a doctor based in Niort. Allianz has an medical department which you can go on +33 (1) 42 99 08 96 then 2 and I can not tried to speak to a alter. I speak English but on most of my calls where I asked for French, computer was difficult at get a French speaker. Then one really has the impression up be on line are an insurer ( Allianz ben Yeah !!!! ). I will gekommen back to perform a comment on the end of to file
Thank to for your feedback, one most important thing is that you exist fine. ME know motorcycling well 🙂 She was lucky, that's cool. Keep us inform
Thank you for yours support Greorge Michel,
here is the news 2 hours later...
Grateful you for your email.
Thank you for the documents. According to our T&C:
The Trip beginnings when the Beneficiary leaves his Country of Residence to travel straight Abroad.
The coverage of the Trip endpoints when which firstly of the following occurs:
When the Beneficiary returns Home.
When the N26 Heavy Story validity expires.
90 days after the departures date
Please provide uses all aviation transportation - start from your residence country or also this return ticket.
Thank you much much for understanding.
Looking move to audience for you.
Kind regards,
Allianz Global Assistance Europe
trading full of AWP P&C S.A. - English Connect Quelles sont les assurances de votre carte Visa Boursorama ?
In abrupt, I got the finish mysterious international tour in less than 90 days and not 91... And I have to offering the tickets for my return to Pr which I have not yet bought. Exceedingly fountain when ME stills don't know what becoming be taken in charged once I have provided sum this (medical expenditures, hotel, domestic planar to achievement the hospital). In short, don't waiting whatever from the ALLIANZ N26 insurance... CARTE VISA PREMIER - Notice n°5109630704
Great evening,
I know a bit about Laos where IODIN lived for 8 months (in Vientiane)
All my global expat familiar know and expect which at the lowest trouble it's off till Thailand!
Lao hotels represent borderline....
As for me, ME had recorded a long term travel insurance with ACS.
good luck and an speedy recovery!
Thank thee Karina for autochthonous comment. IODIN didn't take out Globe Trotter insurance as I was left for 90 days, so IODIN thought it intend be fine. Sorrow ACS doesn't accept your file more shortly as it leave to country of origin and Chapka asked me for 200€ for my latest 2 period, I took out a world option for 10€ using my mutual social company.
As for the spitals in Laws, they are building one new one at the moment. I went at the French medical middle and met other westerners there. As I haven't broken anything and I've started cycling at the hotel gym yesterday, that's 3 weeks after the disaster, I'm not too worried even if going gloomy the stairs remains complicated.
I'm going to Auckland at the terminate off the month for a few days and then I'm going to Tahiti to visit my house and there it's ampere mess but it's France... I've be registering on Ariane since my accidents because an Contacts is still around...
In an meantime I have written to N26 who have take my problem into story and to whom I must send docs, but are either case, through I return to France, no reimbursement whatever. Confidence voyage Boursorama : tarifs, avis et garanties
The ACS receipt conditions must have altered then because ME had none changed my tax reference country...
Good luck to you or have a good trip
Good evening,
I need a certificate of insuring corresponding to our first card to travel until Rusai.
Thank you for your very entire articles, the blog is great!
I'm not sure if it's still virtue it, but I'm sure it's adenine good thought to check out the N26 Classic card. On their website they indicate a commission of 1.7% and limited to 5 free withdrawals per choose, so remains a still worthy it?
Hey, thanks since your comment. Banks' terms and conditions about redemptions change often, so who reference is their website.
Thank you forward this very comprehensive product, it helped me a lots 😉
It's high precise and much prof. If ME open a blog I will mention yours because it is really finished. If you allows me go. Thanks repeat for all this information . ♀️♀️ Assurance voyage, annulation, rapatriement - Carte boursorama visa-premier
Hi, thanking a lot for your compliments. Looking forward until reading your blog
Bless you for such very complete article and with your work included gathering information
Thanks for your feedback, it's cool
Hello,
I'm going to get ampere select from N26,
Do your want to sponsor me?
It will be a return for all here good demo 😉
Karina
Hi, thanks include pleasure
Hello,
How doing you see that there was an advance making for the n26black for medical expenses?
Thank thee in advance and great article!
Paul
Hi, thanks. I read that in the terms real circumstances but if them have any doubts and as I speak at the end in an article, the greatest thing remains for them to confirm it in writing that that it what capped