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F.A.Q – Cap Tempo Expat
When you decide to become an expatriate, it is essential to think about heath insurance whilst overseas. It is especially necessary to understand what you’re covered for, but more importantly, what you’re not covered for!
Here are the answers to the frequently asked questions about our expatriate insurance, the Cap Tempo Expat.
If you have any doubts, don’t hesitate to contact our consultants on +33 1 74 85 50 50 or by email.
General information
Who is the policy intended for? Why subscribe to Cap Tempo Expat ? Why is Cap Tempo Expat cheaper than an expatriate insurance? Does you credit card insurance cover you ? What is not covered by my policy? What should I do if I’m not satisfied with Chapka's answer?Benefits
Medical expenses
What does the medical expenses benefit cover? Whas does emergency dental coverage cover? What are the exclusions in medical expenses? Which sports are covered? What is psychological assistance? Is there a waiting period? What does the optical expenses benefit cover?Daily allowance
What is the financial allowance benefit?Repatriation assistance
What does the repatriation benefit cover? What is the early return benefit ? I am hospitalised overseas, can a relative come to my bedside? Will my fellow travellers be covered for their return home?Luggage benefits
What does the luggage benefit cover? How is calculated the dilapidation? What is baggage delay insurance?Civil liability
What does the Private Life Liability benefit cover? Am I covered when I drive a vehicle? Am I covered as a tenant when I rent an apartment?How to report an accident
Medical expenses
What should I do if I am hospitalised? I must see a doctor, how can I get my refund? I must see a dentist, how can I get my refund? I lost the medical questionnaire, where can I find it?Repatriation assistance
I need assistance, what do I do? What is the money advance benefit? A close relative is deceased or hospitalised, I wish to return, what should I do?Luggage
How to report a problem with your luggage? What should I do if my baggage is stolen during my trip?Individual Accident
How to report a personal accident ?Coverage Area
If I come back to my home country temporarily, am I covered by the policy? Am I covered in other countries? What are the conditions?Social security and CFE expatriate insurance
What do I need to do to reregister for social security cover when I return to France? What is the CFE? What are the advantages and disadvantages of expatriate insurance? How will I be reimbursed by the social security system whilst abroad?Subscription
How to subscribe
How do I subscribe ? Can someone else take out a policy for me? How do I renew my contract? Can I subscribe from overseas? Can I insure my spouse or family on the same policy?Subscription deadline and length of policy
I don’t know how long I will stay overseas, what should I do? How can I change my policy cover dates? What is the subscription deadline? Can I renew my contract?Administrative procedures
How can I get a travel insurance certificate? How can I change my policy cover dates? Do I need to send back signed documents? Do I need to provide any supporting documents when I subscribe? I lost the document pertaining to my insurance, what can I do?Payment
Can someone else pay for me? Can I pay the insurance premium in instalments?Cancellation
If I come back early, can I get a refund? Can I receive a refund of my policy premium before I leave?
