| 
                                                                         Two
                                                                        options
                                                                        (the
                                                                        level of
                                                                        cover
                                                                        you
                                                                        require) 
                                                                       | 
                                                                      
                                                                        
                                                                          
                                                                            | 
                                                                               Option
                                                                              1 
                                                                             | 
                                                                           
                                                                          
                                                                            | 
                                                                               From
                                                                              the
                                                                              first
                                                                              euro
                                                                              as
                                                                              a
                                                                              percentage
                                                                              of
                                                                              expenses  | 
                                                                           
                                                                         
                                                                       | 
                                                                      
                                                                        
                                                                          
                                                                            | 
                                                                               Option
                                                                              2 
                                                                             | 
                                                                           
                                                                          
                                                                            | 
                                                                               From
                                                                              the
                                                                              first
                                                                              euro
                                                                              based
                                                                              on
                                                                              French
                                                                              Social
                                                                              Security
                                                                              reimbursement  | 
                                                                           
                                                                         
                                                                       | 
                                                                    
                                                                    
                                                                      | 
                                                                        These
                                                                        options
                                                                        cover
                                                                        healthcare
                                                                        in
                                                                        France,
                                                                        in the
                                                                        french
                                                                        overseas
                                                                        departments
                                                                        and in
                                                                        Europe
                                                                        excluding
                                                                        Russia.
                                                                       | 
                                                                    
                                                                    
                                                                      | 
                                                                         Reimbursement
                                                                        per year
                                                                        and per
                                                                        person  
                                                                       | 
                                                                      up
                                                                        to 230.000
                                                                        euro | 
                                                                      up
                                                                        to 230
                                                                        000 euro | 
                                                                    
                                                                    
                                                                      
                                                                        Hospitalisation
                                                                        with or
                                                                        without
                                                                        surgery -
                                                                        in a
                                                                        public
                                                                        or
                                                                        French
                                                                        S.S
                                                                        approved
                                                                        hospital -
                                                                        in
                                                                        others
                                                                        hospital
                                                                        in
                                                                        France
                                                                        and
                                                                        abroad
                                                                       | 
                                                                      
                                                                           
                                                                        100% of
                                                                        expenses  
                                                                        75% 
                                                                        of
                                                                        expenses
                                                                       | 
                                                                      
                                                                         
                                                                           
                                                                          
                                                                        100%
                                                                        of
                                                                        french
                                                                        social
                                                                        security
                                                                        reimbursement
                                                                        rate
                                                                        with
                                                                        same
                                                                        maximum
                                                                        amounts
                                                                        of cover
                                                                        in
                                                                        option
                                                                        1
                                                                        | 
                                                                    
                                                                    
                                                                      | 
                                                                        Consultations
                                                                        or
                                                                        visits,
                                                                        general
                                                                        practitioner
                                                                       | 
                                                                      
                                                                         90%
                                                                        of
                                                                        expenses
                                                                        up to 46
                                                                        euro /
                                                                        procedure
                                                                        | 
                                                                    
                                                                    
                                                                      | 
                                                                        Consultations
                                                                        or
                                                                        visits,
                                                                        specialist
                                                                       | 
                                                                      
                                                                         90%
                                                                        of
                                                                        expenses
                                                                        up to 76
                                                                        euro /
                                                                        procedure
                                                                        | 
                                                                    
                                                                    
                                                                      | 
                                                                        Drugs,
                                                                        diagnostic
                                                                        tests,
                                                                        radiography
                                                                       | 
                                                                      
                                                                         90%
                                                                        of
                                                                        expenses 
                                                                       | 
                                                                    
                                                                    
                                                                      | 
                                                                        Medical
                                                                        auxiliaries
                                                                        (nursing
                                                                        care).
                                                                       | 
                                                                      
                                                                         90%
                                                                        of
                                                                        expenses
                                                                        up to 430 euro /
                                                                        procedure
                                                                         
                                                                       | 
                                                                    
                                                                    
                                                                      | 
                                                                        Physiotherapy
                                                                        (only
                                                                        following
                                                                        surgery)
                                                                       | 
                                                                      
                                                                         90%
                                                                        of
                                                                        expenses
                                                                        up to 49 euro
                                                                        per
                                                                        procedure
                                                                         
                                                                       | 
                                                                    
                                                                    
                                                                      | 
                                                                        Dental
                                                                        treatment
                                                                        and
                                                                        dentures
                                                                        maximum
                                                                       | 
                                                                      
                                                                         80%
                                                                        of
                                                                        expenses 
                                                                       | 
                                                                    
                                                                    
                                                                      
                                                                         
                                                                        1st year
                                                                        of cover 
                                                                          2nd
                                                                        year of
                                                                        cover 
                                                                          3rd
                                                                        year of
                                                                        cover 
                                                                          4th
                                                                        year and
                                                                        next
                                                                        years
                                                                       | 
                                                                      
                                                                         up
                                                                        to 360
                                                                        euro  up
                                                                        to 715
                                                                        euro  up
                                                                        to 1,425
                                                                        euro  up
                                                                        to 2,140
                                                                        euro
                                                                        | 
                                                                    
                                                                    
                                                                      | 
                                                                        waiting
                                                                        period :
                                                                        6 months
                                                                        (12
                                                                        months
                                                                        for
                                                                        dental Prosthese)
                                                                       | 
                                                                    
                                                                    
                                                                      | 
                                                                        Orthodontics
                                                                        (up to
                                                                        age 16,
                                                                        maximum
                                                                        4 half
                                                                        years) 
                                                                        :
                                                                        waiting
                                                                        period 12
                                                                        months (in
                                                                        case of
                                                                        accident)
                                                                       | 
                                                                      
                                                                         80%
                                                                        of
                                                                        expenses
                                                                        up to 400 euro
                                                                        per
                                                                        half-years
                                                                        | 
                                                                    
                                                                    
                                                                      | 
                                                                        Eye
                                                                        care (lenses
                                                                        and
                                                                        frames
                                                                        or
                                                                        contact
                                                                        lenses).
                                                                        Waiting
                                                                        period :
                                                                        6 months
                                                                       | 
                                                                      
                                                                        80%
                                                                        of
                                                                        expenses
                                                                        up to 176 euro
                                                                        per year
                                                                       | 
                                                                    
                                                                    
                                                                      | 
                                                                        Maternity
                                                                        (pregnancy
                                                                        and
                                                                        delivery).
                                                                        Witing
                                                                        period :
                                                                        10
                                                                        months
                                                                       | 
                                                                      
                                                                         100%
                                                                        of
                                                                        expenses
                                                                        up to 2,140
                                                                        euro
                                                                         
                                                                       | 
                                                                    
                                                                    
                                                                      | 
                                                                        Protheses
                                                                        other
                                                                        than
                                                                        dentures
                                                                       | 
                                                                      
                                                                        90%
                                                                        of
                                                                        expenses
                                                                       | 
                                                                    
                                                                    
                                                                      | 
                                                                        Health
                                                                        check
                                                                        for th
                                                                        over
                                                                        30's.
                                                                        One
                                                                        check-up
                                                                        every 5
                                                                        years.
                                                                        Waiting
                                                                        period : 24
                                                                        months
                                                                       | 
                                                                      
                                                                         90%
                                                                        of
                                                                        expenses
                                                                        up to 550 euro
                                                                        |