AMBASSADE

 

People travelling out of France and of their country during more than 1 year

Status / age  Expatriates under 65
Individual Yes
Family Yes
Citizenship All
Validity Outside their own country and outside France

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  • Medical expenses : reimbursement from the first Euro up to 100% of actual costs.
  • No excess on medical expenses
  • No up-front payment of medical expenses if you are hospitalided
  • Repatriation assistance
  • Personnal liability up to 7,500,000 Euros
  • Death ent total permanent disability cover from 20,000 to 400,000 Euros
  • Daily sick allowance

  

Medical expenses (option)

2 levels of cover INTERMEDIO EXTENSO

Reimbursement up to 

250,000 Euros / year / person 500,000 Euros / year / person
Hospitalisation
Hospitalisation for surgery due to illness or accident 100% of expenses 100% of expenses
Non-surgical hospitalisation

100% of expenses

100% of expenses

Second opinion before surgery

-

medical advisory service
Ambulance (if hospital costs covered by us) 100% of expenses 100% of expenses
Hospital costs covered with no up-front payment yes, if prior agreement obtained yes, if prior agreement obtained
Daily hospital charge 100% of expenses 100% of expenses
Private room up to 60 Euros per day up to 80 Euros per day
Staying with your child in hospital up to 45 Euros per day
for children under 12
up to 60 Euros per day
for children under 16
Medical expenses
Consultations et visits : general practitioners

90% of expenses up to 100 Eur per procedure

100% of expenses up to 130 Eur per procedure

Consultations et visits : specialist practitioners (including acupuncturists and dieticians if referred by a general practitioner)

90% of expenses up to 130 Eur per procedure
A upper limit of 200 Euros per year per person applies to consultations with dieticians

100% of expenses up to 150 Eur per procedure
A upper limit of 200 Euros per year per person applies to consultations with dieticians

Examinations and treatment of not more than 24 hours carried out of hospital ** 90% of expenses up to 400 Euros per day 100% of expenses up to 600 Euros per day
Medical auxiliairies and specialist care 90% of expenses 100% of expenses
Diagnostic tests/x-rays 90% of expenses 100% of expenses
Drugs
All prescription drugs including homeopathy

90% of expenses

100% of expenses

Prevention and screening
Vaccination

up to 60 Euros / year / person

up to 100 Euros / year / person

Osteodensitometric examination (osteoporosis screening)

up to 90 Euros / year / person

up to 90 Euros / year / person

Screening for colorectal, breast or testicular cancer

up to 60 Euros / year / person

up to 60 Euros / year / person

Counselling

Helps you release tension and cope better in difficult circumstances. So available for 6 months following your return home.

dialogue by phone or email with a team of clinical psychologists available 24 hours a day 7 days a week dialogue by phone or email with a team of clinical psychologists available 24 hours a day 7 days a week
Maternity : waiting period 9 months
Consultations, drugs and pre or post- natal care 100% of expenses 100% of expenses
Delivery

up to 5,000 Eur in A zone, up to 3,000 Eur in B and C zone
 In the event of surgical delivery the upper limit is multiplied by 1,5

up to 8,000 Eur in A zone, up to 5,000 Eur in B and C zone
 In the event of surgical delivery the upper limit is multiplied by 2
Adoption : Lump sum of 50 % of the upper limt per zone

Post-natal physiotherapy up to 10 sessions
Pre-natal classes (held by a doctor or midwife)
HIV screening as part of pre-natal tests only
Screening for chromosomal abnormalities (prioragreement must ne obtained)
Medically assisted procreation up to 300 Euros / year included in the overall limit per zone indicated above Jusqu' 500 Euros / year included in the overall limit per zone indicated above
Dental care
Treatment : waiting period : 6 months***

90% of expenses up to 380 Euros / tooth up to 800 Euros / year / person and up to 2,000 Euros from the third year

100% of expenses up to 500 Euros / tooth up to 2,000 Euros / year / person and up to 2,500 Euros from the third year

Parodontology : waiting period : 6 months*** (treatment of receding gums and gum didease)
Dentures : waiting period : 9 months***
Orthodontics until 16s : waiting period : 9 months***

90% of expenses up to 800 Euros / year / person for a maximum of 2 years

100% of expenses up to 1200 Euros / year / person for a maximum of 3 years

Eye care
Cost of frames and lenses : waiting period : 9 months*** 90% of expenses up to 350 Euros / year 100% of expenses up to 650 Euros / year
Laser correction of myopia not covered covered within the limits described above
Contact lenses including disposable lenses : waiting period : 9 months*** 90% of expenses up to 180 Euros / year 100% of expenses up to 250 Euros / year
Equipment and prostheses
Without hospitalisation 90% of expenses up to 300 Eur / prosthesis 100% of expenses up to 600 Eur / prosthesis
If hospitalisation is covered by us

up to 3000 Euros per hospitalization

up to 4000 Euros per hospitalization

Physiotherapy not linked to maternity
waiting period : 6 months unless following surgery covered by us

90% of expenses up to 35 Eur / session up to 15 sessions / year / person. (Following sugery : up to 40 sessions)

100% of expenses up to 50  Eur / session up to 30 sessions / year / person. (Following sugery : up to 60 sessions)

Thermal cure and thalassotherapy : waiting period 12 months
Valid for 3 months following a hospital stay of more than 10 days or childbith covered by us -

up to 500 Eur / year / person including thalassotherapy up to 300 Eur / year / person

Health check
One check-up every 2 years - up to 350 Euros

**  With the exception of chemotherapy and radiotherapy carried out during non-surgical hospitalisation.

*** Waiting period does not apply if the insured has equivalent cover which was cancelled less than one month previously

There is a third cover that is called Essentio : This cover is economic and only reimburses in case of surgical hospitalisation (100% of expenses) or in case of medical hospitalisation (100% of expenses if the time of the hospitalisation is equal or more than 72 hours).

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