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F.A.Q - Cap Working Holiday

You need advice and information on insurance for your WHV? You’ve come to the right place: At Chapka, we love simple words and clear examples!

We have created a complete FAQ section to help you understand what your Cap Working Holiday policy covers, but also, and especially, what it does not cover.

We have therefore banned the insurance jargon to give clear and simple answers to your questions!

Caution: We are responsible for what we say but not for what you understand!

If you have any doubts, don’t hesitate to contact our consultants on +33 1 74 85 50 50 or by email. It is important that you understand what you are covered for, but more importantly, what you’re not covered for!

Most popular questions

How to report a problem with your luggage? Covid-19 - What's covered by your policy? I must see a doctor, how can I get my refund? I lost the medical questionnaire, where can I find it? If I come back early, can I get a refund?

General information

Who is Cap Working Holiday suited to? Why subscribe to Cap Working Holiday? Does your credit card insurance cover you? What should I do if I’m not satisfied with Chapka's answer? Mon assurance est-elle remboursable en cas de refus de visa Working Holiday ?

The benefits of the Cap Working Holiday

Covid-19 - What's covered by your policy?

Medical expenses

What does the medical expenses benefit cover? Is there a waiting period? What are the exclusions in medical expenses? Whas does emergency dental coverage cover? Which sports are covered? What does the optical expenses benefit cover? What does the Cap Working Holiday pregnancy expenses benefit cover? What is psychological assistance? What is not covered by my policy?

Luggage benefits

What does the luggage benefit cover? How is calculated the dilapidation?

Civil Liability

What does the Private Life Liability benefit cover? Am I covered as a tenant when I rent an apartment? Am I covered when I drive a vehicle?

Daily allowance

What is the financial allowance benefit?

Personal accident

What is the Personal Accident benefit?

Repatriation assistance

I am hospitalised overseas, can a relative come to my bedside? What is the money advance benefit? What does the search and rescue benefit cover? What does the legal assistance cover? What does the repatriation benefit cover? What is the early return benefit ?

Travel incident

What does the travel incident benefit cover?

Policy coverage area

Am I covered in other countries? What are the conditions? If I come back to my home country temporarily, am I covered by the policy?

How to report an accident ?

General information

Can I get the reimbursement on a foreign bank account?

Repatriation assistance

I need assistance, what do I do? A close relative is deceased or hospitalised, I wish to return, what should I do?

Medical expenses

I must see a doctor, how can I get my refund? I must see a dentist, how can I get my refund? What should I do if I am hospitalised? I lost the medical questionnaire, where can I find it? If I have any medical expenses outside my WHV country, what should I do?

Reporting a problem with your luggage

How to report a problem with your luggage?

Personal accident

How to report a personal accident ?

Social security and CFE

What is CFE? What are the advantages of being a CFE member? Can I retain my social security benefits? How can I get my refund from Social Security whilst overseas? What is the procedure to re-register with Social Security when I return to France?

Subscribing to Cap Working Holiday

The subscription

How do I subscribe ? Can someone else subscribe for me? Can I subscribe from overseas ? How can I renew my insurance ?

Subscription deadline and length of policy

What to do if my visa or status changes during my trip? Is there a minimum or maximum duration? What is the deadline for subscription? I don't know how long I'm going to stay abroad, how long should I choose for my contract?

Practical information about my policy

Do I need to send back signed documents? Do I need to provide any supporting documents when I subscribe? I need an insurance certificate, how quickly can I get it? I lost the document pertaining to my insurance, what can I do?


How can I pay for my insurance? Can someone else pay for me? Can I pay the insurance premium in instalments?


Can I get a refund for my policy before my departure? If I come back early, can I get a refund?