10 examples of insurance cover
Fall in China
A trip with friends on the Great Wall ends in a serious fracture. You will have to undergo an MRI, which will cost between €565 and €1,980. Fortunately, your Yvon international health insurance can help you cover the costs.
Early return
While on an internship in Greece, you receive a call informing you of the emergency hospitalization of a member of your family for at least 10 days. Your Yvon international student insurance won’t let you down, and covers your airfare at actual cost.
Loss of documents and means of payment
On an internship in the USA, you can enjoy a road-trip. Unfortunately, your backpack is stolen, along with your bank card and passport. Fortunately, your Yvon international health insurance provides a cash advance of up to €500 to help you cope.
Hospitalization
You’ll have the chance to take a trip along the Amazon River during a training course in Brazil. Bad luck, a virus requiring 10 days’ hospitalization gets you. The invoice amounts to €10,000. Fortunately, with your Yvon international health insurance, you’ll be fully reimbursed.
Luggage insurance
You arrive in Tokyo, but not your suitcase, which was left behind at the Los Angeles stopover airport. Fortunately, Yvon will cover the replacement of your personal effects up to €2,000.
Internship liability
On an internship at a pharmaceutical laboratory in Germany, you get up and accidentally spill all the equipment on the desk. Computer, test tubes… all smashed to bits! Fortunately, thanks to Yvon, the damage is covered up to €12,000.
Rental liability
After a 1st month in Stockholm, you organize a party at your home to bring together your new Swedish friends. The atmosphere is top-notch, the music is loud, but the bathroom faucet was left on all night and the floor covering is completely ruined. Thanks to your Yvon foreign student insurance, the damage is fully covered.
General medicine
While on Erasmus in Athens, we visited the Acropolis with a smile, but in the rain, and angina set in the next day. Fortunately, with your international health insurance covering 100% of actual costs, Yvon, you’ll be reimbursed for a €100 GP consultation and €35 worth of medication.
Optical costs
Ah, Cambridge! Its majestic amphitheatres and the impression of re-enacting “Le Cercle des Poètes Disparus”… A dream semester! But then you fell down the stairs and broke your glasses. Fortunately, despite a replacement cost of €225, everything is covered by your international health insurance Yvon
Dental expenses
On a training course in Bali, you use a scooter like everyone else. Unfortunately, a little sudden braking and you’re left with a missing tooth. Fortunately, thanks to your Yvon international student insurance, you’ll be able to smile again. A dental prosthesis is fitted and your expenses reimbursed
Benefits included in your health insurance
international Yvon
Health
Covers 100 per cent
of the medical expenses
Dental and optical emergencies
Coverage from the subscription
Teleconsultation
Assistance
Transport and repatriation
Early return
Presence of a relative
Care for accompanying persons
Insurance
Luggage
Individual accident
Personal liability and internship
Rental liability
Warranty details
| COVERAGE | BENEFITS |
|---|---|
| Global coverage Limit : | 300 000 € Limits per period of coverage |
| MEDICAL AND HOSPITAL EXPENSES ABROAD | |
| HOSPITALIZATION (Inpatient and outpatient care ) | Benefits |
| Practioner's fees, emergency room, ambulance, prescriptions,surgery,intensive care, hospital stay expenses | 100% of the actual expenses In-Network No deductible or copayment Less the reimbursement of the French national social security or local compulsary health insurance. |
Maternity | 75% of the actual expenses : Maximum limit 8 000€ per policy period Excluding childbirth-related complications and newborn care |
Medical Assistance to direct to most suitable In-Network Hospitals | Unlimided |
Advance of hospital expenses (In-Network hospitals) : no need for upfront payment | Maximum limit : 150 000 € |
| ROUTINE OUTPATIENT CARE (Except Hospitalization, Dental and Optical) | Benefits |
| Physicians consultations /visits (General Practioner and Specialist) | 100% of the actual expenses |
Telehealth (General Practioner and Specialist) | Unlimited |
Health professionals (Non medical Doctors) : Nursing care ... | 100% of the actual expenses |
Laboratory tests | 100% of the actual expenses |
Medical imaging (X ray, MRI, Scan, ultrasound, PET…) | 100% of the actual expenses |
Prescription drugs | 100% of the actual expenses |
Physiotherapy or equivalent treatments prescribed by a physician during your stay abroad, only following an accident | 75% of the actual expenses : Limited to 15 sessions per policy period + 2 sessions of physiotherapy or osteopathy/chiropractic without medical prescriptions Maximum limit : 50€ / session |
Kinésithérapie ou physiothérapie ou traitement "équivalents" prescrits dans le pays par un médecin et suite à un accident pendant le séjour | 75% des frais réels dans la limite de 15 séances par an sur prescription médicale * + 2 séances d'ostéopathie /chiropractie ou physiothérapie équivalente sans prescription médicale, dans la limite de 50 € / séance |
| EMERGENCY DENTAL CARE | Benefits |
| Emergency dental care | Dental care and dental prosthesis expenses caused by an accident : 100% of the actual expenses. Maximum Limit : 500€ per policy period |
| OPTICAL (only after accident) | Benefits |
| Frames and lenses, contact lenses | Maximum limit : 250 € Deductible : 50 €/ case |
| MEDICAL CARE IN FRANCE (prior to the policy term) | Benefits |
| a) In case of temporary return in France | Period of stay not exceeding 30 consecutive days Hospitalization : Maximum Limit 1 000 000 € * Outpatient Care : Maximum Limit 15 000€ |
b) In case of definitive early return to France | Extended cover for 90 days maximum, starting on the date of defenitive return to France, only if the trigger event occurs within the policy cover *Hospitalization : 1 000 000€ without deductible * Outpatient Care : Maximum Limit 15 000€ |
| COVERGAE | BENEFITS |
|---|---|
| MEDICAL ASSISTANCE IN CASE OF ILLNESS, INJURY OR DEATH | |
| Rapatriation of the Insured person for health reasons | 100% of the actual expenses |
A) Evacuation to the place of residence in France | 100% of the actual expenses |
B) Medical Transfer to the most suitable medical center near the Insured person's place of residence in France | 100% of the actual expenses |
C) Medical Tranfer to the most suitable medical center near Insured person's place of residence, in the hosting country abroad | 100% of the actual expenses |
Return of one accompanying family member, in case of medical evacuation of the Insured person | * Transport : 100% of the actual expenses (Provision of a 1st class train ticket or economy-class airline ticket) Housing : 50€/person/day (Maximum Limit 500€) |
Bedside visit of one family member in case of Hospitalization of the Insured person on the place of illness or accident in the hosting country abroad | In case of Hospitalization > 72 consecutive hours * Transport : 100% of the actual expenses (1st class round-trip train ticket or economy round-trip airline ticket) Housing : 50€/person/day (Maximum Limit 500€) |
Extension of the Insured person's stay abroad for medical reasons | Housing : € 50/person/day (Maximum Limit € 500) |
Early return of the Insured person in case of a family member's hospitalization > 72 consecutive hours or death | Transport : 100% of the actual expenses (1st class round-trip train ticket or economy round-trip airline ticket) |
Rapatriation of mortal remains of the Insured person | Transport organization and Transport costs : actual expenses Exluding costs of burial, embalming, coffin, and ceremony |
In case of the Insured person's death, costs of coffin, funeral urn, preparation of remains, all official and administrative formalities | Maximum Limit : € 1 500€ |
| PERSONAL ASSISTANCE IN THE HOSTING COUNTRY | |
Shipment of essential prescription drugs not available in the hosting country | Occasional shipment of essential prescription drugs not available int he hosting country, in accordance with the laws of the hosting country relative to the import and circulation of prescription drugs Shipping costs only |
Organization of a local Doctor's visit on the place of accident or illness in the hosting country, only if our medical staff consider it as necessaryr | 100% of the actual expenses |
Psychological counselling by phone | Maximum Limit : 3 psychologists phone consultations |
Medical Information related to travel ans stay abroad | Unlimided * before departure abroad : health prevention advice, compulsory or recommanded vaccinations, local healthcare system … * during the stay abroad : our medical staff is available on phone to answer to medical issues (need for diagnosis tests explanations, equivalent medications in the hosting country ...) |
Advance of bail in the hosting country (unintentional violation of law) | Maximum limit : € 7 500 |
Legal fees in the hosting country (unintentional violation of law) | Maximum limit : € 3 00 per Insured |
Search and rescue costs abroad (sea, montain, desert) | Maximum limit : 5 000€ per Insured Maximum limit : 25 000€ per event |
Sending urgent messages | Unilimited |
Advance of funds in case of theft, loss or destruction of the Insured identity documents and means of payment | Advance of funds : € 500 maximum per Insured |
| BAGGAGE AND PERSONAL EFFECTS | |
| Loss* or theft* of baggage and personal belongings in the hosting country abroad (outside the place of residence or housing accomodation) * reported to the local competent authorities within 48 hours (police …) | * Providing services with a maximum Llimit of 2 000€ per Insured and per year * Deductible : 25€/case |
Loss* or theft* of baggage and personal belongings during the round-trip to and from the hosting country * reported to the local competent authorities within 48 hours (police, transport company, purser ...) | * Providing services with a maximum Llimit of 2 000€ per Insured and per year * Deductible : 25€/case |
Valuable items | Maximum Limit : € 1 000 |
| COVERAGE | BENEFITS |
|---|---|
| ACCIDENTAL DEATH AND PERMANENT DISABILTY IN THE HOUSING COUNTRY | |
| Principal sum in case of accidental death | € 8 000 maximum per Insured |
Capital sum in case of accidental permanent Total or Partial disability | * € 40 000 maximum per Insured * Only disability levels >31% are covered. The insurance company will pay a Capital sum according to the level of disability, calculated as follows : € 40 000 X the disability level rate (%) |
| THIRD PARTY LIABILITY IN PRIVATE LIFE IN THE HOSTING COUNTRY | |
Accidental Bodily injury *caused by the Insured to third parties | * € 4 500 000 * Deductible : € 80 per case |
Accidental property damages and consequential financial loss*,*caused by the Insured to third parties | * Sub-limit : € 450 000 per event * Deductible : € 80 per case |
Property Damage to material and equipment delivered by the internship Organization | € 12 000 per event |
| TENANT LIABILITY INSURANCE IN THE HOSTING COUNTRY | |
Property damages This benefit does not override to comply with legal or landlord's agreement requirements to subscribe local Tenant Insurance in the hosting country | * Maximum Limit : 100 000€ Only in case of accidental fire, water damage or explosion to the rented property * Deductible : 80€ per case |
4 examples of insurance coverage
Computer out of order
After a storm, your computer stops working.
Yvon’s comprehensive home insurance covers material damage to household goods resulting from a short circuit.
Fractured door
The door to your student residence has been broken into and your computer stolen. Luckily you were insured!
With the theft option, you’re covered. However, depending on the Yvon student home insurance package you choose, you may have to pay a €100 deductible.
Escape!
A water leak from your sink has caused damage to your downstairs neighbor’s house.
You are covered by occupier’s liability insurance. However, depending on the Yvon student home insurance package you choose, you may have to pay a €100 deductible.
Fire
A fire in the kitchen has left your home inaccessible for several weeks.
Thanks to Yvon’s student home insurance, temporary accommodation and basic necessities will be covered.
Warranty details
| Property | |
|---|---|
| Limits of warranties | |
| Furniture | Depending on the accommodation |
| • personal belongings contained in living quarters. • exclusions for valuables, cash, funds and securities | Room : (max 10m²) € 2300 1 room : (+ de 10 m²) € 3900 2 rooms : € 5400 3 rooms : € 7000 4 rooms : € 12200 |
| • except movable goods stored in the cellar or outbuildings | € 500 |
| Third-party liability | |
|---|---|
| Warranty limits | |
| Bodily injury only | € 20 000 000 |
| Material and immaterial damage only | € 15,000,000 (limited to €450,000 for temporary rental liability in the event of an internship) |
| Defense | |
|---|---|
| Limits of warranties | |
| Defense and recourse | € 16,000 from € 225 of damage for which you are responsible |
| Assistance | |
|---|---|
| Limits of warranties | |
| Assistance in the event of a claim | See General Terms and Conditions |