Contrat GAN ASSURANCES 220/464 917, 971 371 200 et 219/464 916
Contrat AXA ASSURANCES 5000048*00 et 5000043*00

HEALTH BENEFITS

France :

Hospitalization (surgical treatment),	}
Consultations, examinations, X-rays, Laboratory, medication	}100 % of actual costs up to 100 % }of the convention rate of French Social }Security, and with the following limits :
Medical auxiliaries (subsequent to a clearly defined accident)	} }
Orthodontic work, prostheses (subsequent to a clearly defined accident)	460 € (3.017,40 F) p/year max.
Dental care (subsequent to a clearly defined accident)	230 € (1.508,70 F) p/year max.
Other prostheses, optical (subsequent to a clearly defined accident)	230 € (1.508,70 F) p/year max.

All wolrdwide :

Hospitalization for surgery, visit, X-rays, testes, pharmacy.	No global limit for reimboursement No waiting period 100% of the medical expenses.
Medical assistants (subsequent to a clearly defined accident)	100 % of the real expenses
Emergency dental care expenses	100 % of the real expenses up to 460€ (3.017,40 F) p/year. Deductible 30€ (196,79 F) p/act except in the case of an accident
Other prostheses, optical (subsequent to a clearly defined accident)	100 % of the real expenses up to 460€ (3.017,40 F) p/year

In the country of origin :

The same medical cover is provided during vacation periods only.
Prior agreement in compulsory for coverinvolving any related treatment.
Physiotherapy is covered only after surgery covered by AIPS.

- In France, 100 % of the real expenses with agreed care centres and physicians only, 75 % in all other cases.

- In the others countries of origin, 100 % of the real expenses all over and in the same limits.

Assistance Services :

In the event of sickness or serious accidents and subject to the prior agreement of'AIPS ASSISTANCES, organization and medical cover for :

Medical transportation of insured	Actual cost
Medical rapatriation of beneficiary	Actual cost
Repatriation of the body in event of death	Actual cost
Accomodation for family if victim is hospitalised > 6 d.	Roundtrip ticket + 80 € (524,77F)/night, maxi 10 nights.
Early return in case of death of family member	Actual cost
Advance of bail bond in foreign country	Up to 7.625 € (50.016,72 F)
Travel assistance in case of theft/loss personal effects	Advance up to 460 € (3.017,40 F)

Private Life Civil Liability :

Cover is provided for third-party damage caused during journey and period of residence only. Amount per occurrence :

Bodily injury	765.000 € (5.018.071 F) max.
Material damage	460.000 € (3.017.402,20 F) max. Deductible of 76 €
Other damage	92.000 € (603.480,44 F) max.
Materiel damages caused to the training chief	Up to 12.000 € (78.714,84 F). Deductible of 76 €
Legal protection - Appeals	3.100 € (20.334,67 F) max. Minimum intervention 228 €

Baggage Insurance :

During outward & homeward journey in the event of loss, theft or destruction caused by fire, explosion, water damage 50 % of cover for valuables.

Up to 1.000 € (6.559,57 F) Deductible of 30 € (196,79 F) per occurrence.

Accident :

Death benefit, by accident	7.625 € (50.016,72 F) Burial expenses up to age 16
Disability benefit by accident	30.500 € (200.066,88 F) max. 20 % deductible