Preventive options: how do they work?
An international insurance contract offers you additional guarantees related to risks of death, disability, disability and dependency, total or partial interruption of professional activity and loss of income.
Although not mandatory, it is strongly recommended that these options be taken out, especially for a family, in order to better manage the risks of everyday life. This ensures payment of benefits in case of major adverse events.
There is often a misunderstanding that insurance companies will systematically repatriate you to your home country to be operated on.
The general conditions indicate that you will be repatriated to the nearest hospital able to treat you properly. If you live in Latin America, it is unlikely that you will be repatriated to Europe.
Presence of a member of your family in case of hospitalization:
If your condition does not allow or require your repatriation and if the local hospitalization is for longer than six consecutive days, the insurance company will provide a return ticket by plane or by train for one of your family members. This benefit only applies if you do not have an adult family member with you already.
Death or Hospitalization of a Family Member
The insurance provides a round trip airfare by plane, in economy, or by train, in 1st class, in the event of the death or hospitalization for more than 5 days of a close member of your family in your country of nationality. The outward journey must be made within 8 days of the date of death or hospitalization.
Repatriation of the body in case of death and coffin expenses
In case of death, the insurance organizes and takes care of the repatriation of the body or ashes from the place of death to the place of burial in your country of nationality or origin.
Civil liability and legal assistance:
The civil liability insurance covers the financial consequences of damages that you would be held responsible for, if only in your private life. Your commute to and from work is also covered. Your children are also insured for extracurricular activities.
A legal, practical and administrative information service is associated with this civil liability insurance.
You will not be covered in the exercise of your professional activity or when driving your car.
Here is a list of the main exclusions:
- Damage resulting from the exercise of a professional activity.
The operation of any machinery, including animal-powered machines.
The consequences of any material or bodily injury suffered by the insured.
Property damage caused by fire, explosion, or water that originated or occurred in buildings or premises owned, rented or privately owned by the insured in any capacity.
Consequences from the practice of hunting.
Death benefit and total and irreversible loss of autonomy / double effect:
Death Benefit Guarantee
The death benefit will be paid in advance, in case of total and irreversible loss of autonomy (before 65 years and in case of illness or accident).
Guarantee in case of total and irreversible loss of autonomy
The total and irreversible loss of autonomy, due to an illness or accident guaranteed under this contract and before your 65th birthday, is treated identically to the conditions for death.
The sum insured in the event of death, set based on the date of the medical examination determining the total and irreversible loss of autonomy, is paid to you in advance.
This offer is exceptional in the American market. The vast majority of foreign companies offer coverage for total and permanent disability only (which is very rare before the age of 65). Partial discapacity is recognized and covered in the policies we offer.
Compensation for work stoppage on medical grounds:
The purpose of this guarantee is to provide a daily allowance in the case of total temporary disability related to work, or an annual pension in the event of permanent disability resulting from an illness or accident.
When the insurer recognizes you in a state of total temporary related to work, it shall pay you a daily allowance.
The waiting period for the payment of this allowance will be 30 or 60 days, depending on the option chosen when signing the contract.
You are recognized as being permanently disabled through the following two conditions:
- Whether you have a physical or mental disability
- You have a workplace disability.
In other words, when your physical or mental condition no longer allows you to exercise your professional activity.
This disability rate may be partial or total (>65%).