Frequent questions

• 
  How do I subscribe ?
• 
  Is there a waiting period?
• 
  What does the Private Life Liability benefit cover?
• 
  How can I change my policy cover dates?
• 
  Why subscribe to Cap Tempo Expat ?
• 
  What is the early return benefit ?

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

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

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 is the CFE? What are the advantages and disadvantages of expatriate insurance?

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?